School District 59

Core LTD: 15 hours per week

All Other Benefits: 15 hours per week or more

n/a

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 24 months without further payment of premium contributions, until the earliest of the following occurs:

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

b. the date the contract is terminated.

If an eligible dependent has coverage under another benefits plan, they are still eligible for survivor benefits up to the duration of the contractual limits. This would apply to both of the following scenarios:

1. The dependent already has coverage under another plan upon the member’s death.

2. The dependent later becomes eligible under another plan after the member’s death.

Please note, if a dependent child is or becomes a member on their own plan, they would no longer be eligible as a dependent under a parent’s 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.

When ordered by the attending Physician (includes optometrist) or Primary healthcare nurse practitioner because, in his or her opinion, adequate medical treatment is not available locally (remote area), the following are included as Eligible expenses when the patient (Member or Dependent) is referred to a Medical specialist:

1. Transportation for a patient by scheduled air, rail or private automobile to and from the nearest locale equipped to provide the required treatment, within Alberta, British Columbia and the Yukon when ordered by the attending Physician or Dentist because in his opinion, adequate treatment is not available locally.

2. The mileage allowance of $0.20 per kilometer, or the cost of return fare (including bus transportation) from the School District office in Dawson Creek to the closest treatment facility, including Fort St. John. This expense is also available to an escort if the employee or spouse is immobilized to the extent that an escort is necessary, or for a dependent child under age 19 who requires assistance when travelling.

Rural, Chetwynd and Tumbler Ridge Employees:

Mileage is paid only from Dawson Creek

Dawson Creek to Vancouver 1198 km

Dawson Creek to Prince George 412 km

Dawson Creek to Grande Praire 133 km

Dawson Creek to Edmonton 590 km

Dawson Creek to Fort St. John 80 km

3. Hotels and meal expense, in a commercial facility to a maximum of $40 per person per day for a total of 3 days, per referral.

4. Long-term and necessary parking charges are covered.

5. Travel expenses to utilize the services of the following licensed, certified or registered paramedical practitioners when operating within their recognized fields of expertise: Psychologist, Podiatrist, Physiotherapist, Naturopath, Speech Therapist, Chiropractor, Osteopath, and Massage Therapist.

6. Travel expenses incurred for elective and not medically necessary procedures.

7. Travel expenses to utilize the services of specific practitioners in another city will be limited to the reasonable and customary charges that would be incurred in the closest city.

8. Travel expenses to utilize services in order to avoid a local waiting list. These expenses will only be covered in an emergency situation.

9. Travel expenses to utilize services within the District boundaries but not within a 75 mile radius.

10. Taxi fares

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

n/a

12 months from date of service

n/a

PBC Schedule 3

Fee Guide plus 10%

n/a

Earlier of July 31st following the date you reach age 65 or 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.

100%

n/a

2 per calendar year

2 per calendar year

2 per person per calendar year

80%

$2,500 per person per calendar year

60%

$1,750 per person 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.

n/a

75% of weekly earnings

Greater of $550 or current EI maximum

Accident: Nil; Illness or Hospitalization: 5 days

52 weeks

5 days (working)

If a 10 month or 11 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

Earlier of July 31st following the date you reach age 65 or retirement.

Employee’s salary from the employer excluding bonuses, commissions and overtime, but will be adjusted to meet Employment Insurance legislation requirements concerning the definition of insurable earnings.

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

Other LTD: No waiting period

Core LTD: 70% of monthly earnings from the Employer

Other LTD: Covered

Other LTD provides cost of living adjustment based on Consumer Price Index up to 3%. First increase occurs after the end of the Elimination Period plus one year.

$50 per month

$10,000 per month

n/a

Core LTD: 120 calendar days

Other LTD: The expiration of benefits under the employer’s sick leave plan (to a maximum of 180 sick leave days) AND the weekly indemnity plan. The minimum Elimination Period to be served before benefits are payable under the Other LTD plan is 52 weeks.

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.

n/a

2 times Annual Earnings rounded to next higher $1,000 with a minimum benefit of $30,000

$150,000

n/a

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 July 31st following the date you reach age 65 or retirement

The employee’s salary from the employer excluding any bonus, commissions and overtime.

Available

n/a

Matches Basic Life

$150,000

n/a

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 July 31st following the date you reach age 65 or retirement

Available

n/a

Units of $10,000

$500,000

Each Dependent Child – 25% of your Principal Sum

60% of your Principal Sum

Spouse’s amount will equal 50% of your Principal Sum and each of your eligible Dependent Children will be covered for 15% of your Principal Sum

Matches Core LTD

Optional 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.

Nil

Earlier of age 70 or retirement

Legal Husband or Wife, or an individual who, immediately prior to his or her loss, has been residing with the employee for a period of not less than one (1) year and who has been publicly represented as the Husband or Wife of the employee during such period.

Natural children, legally adopted children or step-children of the employee, dependant upon the employee for maintenance and support, and:

a) are under twenty-one (21) years of age and unmarried, or

b) under twenty-five (25) years of age and unmarried and in attendance at an institution of higher learning, or

c) by reason of mental or physical infirmity, are incapable of self-sustaining employment, reside with the employee and are totally dependant upon the employee for support within the terms of the Income Tax Act of Canada.

Available