School District 52

Core LTD: 15 hours per week

All Other Benefits: 15 hours per week or greater

60 calendar days

December 31 of the following year

$100 (Single/Family)

80% until $1,000 paid per family per calendar year, then 100%

Unlimited

Dependent coverage following the member’s death will continue until the earliest of the following occurs:

a. 24 months without further payment of premium contributions;

b. the date the person ceases to be a Dependent other than as a result of the Member’s death;

c. the date the contract is terminated;

d. the date the Dependent becomes eligible for coverage under a similar group plan

Retirement

Up to age 21, or 25 if in full time attendance at school, or to any age if disabled.

The person legally married to the Member or a person who has been residing with the Member in a common-law relationship for at least 1 year and who is publicly represented as the Member’s spouse. Only one spouse is eligible for coverage at any one time.

Transportation: by bus, scheduled air or rail or automobile to and from the nearest locale equipped to provide the required treatment within your province of residence.

Automobile: $0.20 per kilometer to a maximum of 2,000 km per trip.

Accommodation: in a commercial facility to a maximum of $30 per day for a total of 3 days (excluding accommodation for the attendant).

Travel expenses incurred to obtain dental treatment is excluded.

See Medical Referral Travel Benefit section for more details.

Blue Rx

Yes

n/a

Not Covered

Covered

$7,500 per lifetime

Not Covered

Included

100%

Combined with In-Province Maximum

Private or Semi-private Room

In-home nursing care covered

$4,000 per 5 calendar years

$4,000 per 2 calendar years

Covered

Covered

All Medical Equipment must be purchased from an Authorized Medical Supplier to be considered under your plan. Reasonable and Customary pricing will apply. Authorization by the Benefit Provider is required for equipment that costs more than $5,000.

$400 per calendar year for adults, $200 per calendar year for children

$400 per 2 calendar years

Covered

$625 per 24 months – prescription sun glasses included in vision maximum

$625 per 24 months – prescription sun glasses included in vision maximum

$125 per 24 months

$600 per calendar year

$600 per calendar year (Chiropractic x-rays are included in this maximum)

$1,200 per calendar year

$600 per calendar year

Not Covered

$1,000 per calendar year

$600 per calendar year

$1,500 per calendar year combined for Psychologists, Clinical Counsellors and Social Workers

$600 per calendar year

60 calendar days

12 months from date of service

n/a

PBC Schedule 2

Fee Guide plus 10%

Dependent coverage will continue with further payment of contributions until the earliest of the following occurs:

a. 100 days after the date of the Member’s death.

b. the date the person ceases to be a Dependent other than as a result of the Member’s death.

c. the date the Contract is terminated.

d. the date the Dependent becomes eligible for coverage under a similar group plan.

Earlier of Retirement or on the day employment terminates

Up to age 21, or 25 if in full time attendance at school, or to any age if disabled.

The person legally married to the Member or a person who has been residing with the Member in a common-law relationship for at least 1 year and who is publicly represented as the Member’s spouse. Only one spouse is eligible for coverage at any one time.

90%

n/a

2 every 1 calendar year

2 every 1 calendar year

Covered

60%

n/a

60%

$2,000 per lifetime

Covers adults and children

The Joint Early Intervention Service (JEIS) is a mandatory program providing proactive service to members to facilitate their return to work in a caring, safe, and timely manner. Members are contacted within six (6) working days of the start of their absence from work by a Healthcare Management Specialist (HCMS). The HCMS makes sure members receive the best possible care and, if appropriate, a coordinated rehabilitation plan. If members are unable to return to work after the LTD qualifying period, the HCMS helps them transfer to the LTD program. A primary factor for the success of the JEIS program is the collaboration and joint support of both union and employers.

60 calendar days

66.7% of weekly earnings

$700

Accident and Hospitalization: Nil

Illness: 3 days

26 weeks

5 days (working)

If a 10 month employee becomes Totally Disabled during the months they are Not Actively At Work, the Elimination Period will commence on the initial date of Total Disability and payment of Weekly Indemnity Benefits will begin on the later of the end of the Elimination period or September 1st, so long as the Member remains Totally Disabled. If a 10 month Member is Totally Disabled and in receipt of Weekly Indemnity Benefits as of June 30th, Weekly Indemnity will cease and the employee will not be entitled to Weekly Indemnity benefits payments from July 1st through August 31st, inclusive. If still Totally Disabled on the September 1st following, Weekly Indemnity benefit payments will resume.

Taxable

Included

Coverage terminates on the day employee turns 65 or on the day employment terminates.

The member’s regular rate of pay from the employer (prior to deductions), including regular bonuses and regular overtime pay. Earnings may include other income as agreed to in writing by the employer and the insurance company.

Core LTD: 3 months of continuous Active Employment with the Employer

Other LTD: 60 calendar days

Core LTD: 70% of monthly earnings

Other LTD Plan – provides top up to the Core LTD benefit equivalent to a 66.67% non-taxable benefit

$50 per month

$10,000 per month

n/a

Core LTD: 120 calendar days

Other LTD: 182 calendar days

Core LTD: Taxable

Other LTD: Non-Taxable

A Member, who is not receiving LTD Benefits shall cease to be entitled to coverage for LTD Benefits one hundred twenty days prior to the last day of the month during which the Member attains age 65 or thirty-five (35) years of pensionable service and a minimum age of fifty-five (55) pursuant to the terms of the Municipal Pension Plan or other school district pension arrangement.

For Members receiving LTD Benefits, the Maximum Benefit Period ends the earliest of normal retirement age as defined under the Municipal Pension Plan (currently 65 years of age), or 35 years of service and a minimum age of 55.

A Member’s basic rate of pay, including premiums/allowances paid for Regular Duties performed during a regular work year and vacation pay, but excluding overtime.

The Core LTD Program shall fund the Member’s portion of premiums for EHC (including medical referral travel benefits, if applicable) and dental while in receipt of Core LTD Benefits for the period starting the first of the month following completion of the Elimination Period, and ending on the earlier of the last day of the month in which the Member is no longer eligible for Core LTD Benefits or the last day of the final month of the Member’s twenty-four-month Regular Duties period outlined in the definition of Disabled.

60 calendar days

2 times Annual Earnings rounded to next higher $1,000

$250,000

$200,000

N/A

Matches Core LTD

Life coverage for a disabled employee will terminate at the earlier of age 65 or 35 years of pensionable service under the Municipal Pension Plan or any other registered pension plan arising out of employment with an Employer and a minimum age of 55, whichever is earlier.

Up to 50% of your Basic Life benefit to a maximum of $50,000 for members under age 65

Earlier of age 70 or retirement

The member’s regular rate of pay from the employer (prior to deductions), including regular bonuses and regular overtime pay. Earnings may include other income as agreed to in writing by the employer and the insurance company.

Available

60 calendar days

Matches Basic Life

$250,000

$200,000

n/a

Matches Core LTD

Basic Accident coverage for a disabled employee will terminate at the earlier of age 65 or 35 years of pensionable service under the Municipal Pension Plan or any other registered pension plan arising out of employment with an Employer and a minimum age of 55, whichever is earlier.

Earlier of age 70 or retirement

Available