| General Plan Provisions |
|
| Benefit Waiting Period |
Nil |
| Benefits Eligibility |
Permanent Full Time with 30 hours or more = 100% Flex Credits; Permanent Part Time with 20 to less than 30 hours = 50% Flex Credits |
| Dependent Definition |
Eligible from birth to age 22; or to age 26 if full-time student |
| Survivor Benefit |
24 months |
| Basic Employee Life Insurance |
Option 1 |
Option 2 |
Option 3 |
Option 4 |
| Benefit Schedule |
$25,000 |
1x Annual Salary, up to $1M |
2x Annual Salary, up to $1M |
3x Annual Salary, up to $1M |
| Non-Evidence Maximum |
$25,000 |
$1,000,000 |
$1,000,000 |
$1,000,000 |
| Coverage Ends |
Reduces by 50% at age 65, and terminates at retirement |
| Waiver of Premium |
Covered; Qualifying period 112 days, up to age 65; Definition of Disability aligns with LTD |
| Basic Dependent Life Insurance |
Option 1 |
Option 2 |
Option 3 |
Option 4 |
| Benefit Schedule |
No coverage |
$5,000 Spouse; $2,500 Child |
$10,000 Spouse; $5,000 Child |
$20,000 Spouse; $10,000 Child |
| Coverage Ends |
At retirement |
| Waiver of Premium |
Covered; Qualifying period 112 days, up to age 65; Definition of Disability aligns with LTD |
| Basic Accidental Death Dismemberment (AD&D) |
Option 1 |
Option 2 |
Option 3 |
Option 4 |
| Benefit Schedule |
$25,000 |
1x Annual Salary, up to $1M |
2x Annual Salary, up to $1M |
3x Annual Salary, up to $1M |
| Non-Evidence Maximum |
$25,000 |
$1,000,000 |
$1,000,000 |
$1,000,000 |
| Coverage Ends |
Reduces by 50% at age 65, and terminates at retirement |
| Waiver of Premium |
Covered; Qualifying period 112 days, up to age 65; Definition of Disability aligns with LTD |
| Long Term Disability (LTD) |
Option 1 |
Option 2 |
Option 3 |
Option 4 |
| Benefit Schedule |
50% of monthly earnings, up to $1,500 |
55% of monthly earnings, up to $5,000 |
60% of first $3,000 of monthly earnings plus 50% of any excess amount, up to $15,000 |
66.67% of first $3,000 of monthly earnings plus 50% of any excess amount, up to $15,000 |
| Non-Evidence Maximum |
$1,500 |
$5,000 |
$15,000 |
$15,000 |
| Elimination Period |
112 days |
112 days |
112 days |
112 days |
| Definition of Disability |
1-year own occupation |
2-year own occupation |
2-year own occupation |
2-year own occupation |
| Tax Status |
Non-Taxable (Employee-Paid) |
Non-Taxable (Employee-Paid) |
Non-Taxable (Employee-Paid) |
Non-Taxable (Employee-Paid) |
| Benefit Period |
2 years |
5 years |
To age 65, less elimination period |
To age 65, less elimination period |
| Well-Being Benefits |
|
| Employee Family Assistance Program |
Covered |
| Virtual Healthcare |
Covered |
| Medical 2nd Opinion |
Covered |
| Optional Life Insurance For Employee And Spouse |
|
| Benefit Schedule |
Increments of $10,000 |
| Benefit Maximum |
$500,000 |
| Non-Evidence Maximum |
$50,000 |
| Coverage Ends |
At earlier of age 70 or retirement |
| Optional Life Insurance For Child |
|
| Benefit Schedule |
Increments of $5,000 up to $25,000 |
| Optional AD&D Insurance |
|
| Benefit Schedule |
Increments of $10,000 | Family: Spouse – 50% of employee amount / Child – 10% of employee amount |
| Benefit Maximum |
$500,000 |
| Coverage Ends |
At earlier of age 70 or retirement |
| Optional Critical Illness For Employee And Spouse |
|
| Benefit Schedule |
Increments of $5,000 (minimum of $10,000) |
| Benefit Maximum |
$150,000 |
| Non-Evidence Maximum |
$50,000 |
| Coverage Ends |
At earlier of age 70 or retirement |
| Optional Critical Illness For Child |
|
| Benefit Schedule |
Increments of $1,000 up to $10,000 |
| Prescription Drugs |
Option 1 |
Option 2 |
Option 3 |
Option 4 |
| Co-Insurance And Overall Maximum |
0% until $3,000 out-of-pocket, then 100% up to annual maximum of $10,000 |
70%, unlimited maximum |
80%, unlimited maximum |
100%, unlimited maximum |
| Drug Formulary |
Managed Formulary |
Managed Formulary |
Managed Formulary |
Managed Formulary |
| Generic Substitution |
Mandatory (with appeals) |
Mandatory (with appeals) |
Mandatory (with appeals) |
Mandatory (with appeals) |
| Deductible Per Prescription |
In-Network (Walmart, Costco Pocketpills pharmacies) - Nil Out-of-Network = Dispensing Fee |
In-Network (Walmart, Costco Pocketpills pharmacies) - Nil Out-of-Network = Dispensing Fee |
In-Network (Walmart, Costco Pocketpills pharmacies) - Nil Out-of-Network = Dispensing Fee |
In-Network (Walmart, Costco Pocketpills pharmacies) - Nil Out-of-Network = Dispensing Fee |
| Preventative Vaccines |
Covered |
Covered |
Covered |
Covered |
| Fertility Drugs |
$5,000 per lifetime |
$5,000 per lifetime |
$5,000 per lifetime |
$5,000 per lifetime |
| Smoking Cessation |
$400 per lifetime |
$400 per lifetime |
$400 per lifetime |
$400 per lifetime |
| Health Care |
Option 1 |
Option 2 |
Option 3 |
Option 4 |
| Overall Plan Maximum |
Unlimited |
Unlimited |
Unlimited |
Unlimited |
| Deductible |
Nil |
Nil |
Nil |
Nil |
| Co-insurance % |
|
|
|
|
| Hospital |
100% |
100% |
100% |
100% |
| Emergency Out of Country |
100% |
100% |
100% |
100% |
| Vision |
Not covered |
50% |
80% |
100% |
| Paramedical Services |
Not covered |
50% |
80% |
100% |
| Medical Services Equipment |
Not covered |
50% |
80% |
100% |
| Hospital, Travel, Vision Medical Services |
|
|
|
|
| Hospital |
Semi-private |
Semi-private |
Semi-private |
Semi-private |
| Emergency Out of Province / Canada |
100% with maximum of $5,000,000 per trip, up to 180 days per trip (up to age 70) and 60 days (over age 70) |
100% with maximum of $5,000,000 per trip, up to 180 days per trip (up to age 70) and 60 days (over age 70) |
100% with maximum of $5,000,000 per trip, up to 180 days per trip (up to age 70) and 60 days (over age 70) |
100% with maximum of $5,000,000 per trip, up to 180 days per trip (up to age 70) and 60 days (over age 70) |
| Non-Emergency Medical Coverage |
Not covered |
$50,000 per calendar year |
$50,000 per calendar year |
$50,000 per calendar year |
| Travel Assistance |
Covered |
Covered |
Covered |
Covered |
| Vision Care - Glasses, Frames Contacts |
Not covered |
$200 per 24 months (12 months for dependent children under 18) |
$300 per 24 months (12 months for dependent children under 18) |
$400 per 24 months (12 months for dependent children under 18) |
| Eye Exams |
Not covered |
Once per 24 months (12 months for dependent children under 18) |
Once per 24 months (12 months for dependent children under 18) |
Once per 24 months (12 months for dependent children under 18) |
| Surgical Stockings |
Not Covered |
4 pairs per calendar years |
4 pairs per calendar years |
4 pairs per calendar years |
| Orthopaedic Shoes, Custom Made Shoes Custom Made Orthotic Foot Appliances |
Not Covered |
$500 per calendar year combined |
$500 per calendar year combined |
$500 per calendar year combined |
| Surgical Brassieres |
Not Covered |
4 per per calendar year |
4 per per calendar year |
4 per per calendar year |
| Wigs Hairpieces |
Not Covered |
$250 per lifetime |
$250 per lifetime |
$500 per lifetime |
| Hearing Aids |
Not Covered |
$500 every 60 months |
$500 every 60 months |
$500 every 60 months |
| Accidental Dental |
100% |
100% |
100% |
100% |
| Private Duty Nursing |
$10,000 per calendar year |
$10,000 per calendar year |
$10,000 per calendar year |
$10,000 per calendar year |
| Paramedical Services |
|
|
|
|
| Acupuncturist |
Not covered |
$400 per calendar year |
$500 per calendar year |
$750 per calendar year |
| Audiologist |
Not covered |
$400 per calendar year |
$500 per calendar year |
$750 per calendar year |
| Chiropractor |
Not covered |
$400 per calendar year |
$500 per calendar year |
$750 per calendar year |
| Dietician |
Not covered |
$400 per calendar year |
$500 per calendar year |
$750 per calendar year |
| Massage Therapist |
Not covered |
$400 per calendar year |
$500 per calendar year |
$750 per calendar year |
| Naturopath |
Not covered |
$400 per calendar year |
$500 per calendar year |
$750 per calendar year |
| Osteopath |
Not covered |
$400 per calendar year |
$500 per calendar year |
$750 per calendar year |
| Podiatrist / Chiropodist |
Not covered |
$400 per calendar year |
$500 per calendar year |
$750 per calendar year |
| Physiotherapist / Athletic Therapy |
Not covered |
$400 per calendar year |
$500 per calendar year |
$750 per calendar year |
| Speech Therapist |
Not covered |
$400 per calendar year |
$500 per calendar year |
$750 per calendar year |
| Mental Health Practitioners (Psychologist / Social Worker / Registered Clinical Counselor / Psychotherapist / Psychoanalysis / Marriage Family Therapy / Cognitive Behavioural Therapy) |
Not covered |
$2,000 per calendar year |
$2,000 per calendar year |
$2,000 per calendar year |
| Coverage Ends |
At Retirement |
At Retirement |
At Retirement |
At Retirement |
| Dental |
Option 1 |
Option 2 |
Option 3 |
Option 4 |
| Co-Insurance |
|
|
|
|
| Routine Services - Basic Preventative |
50% (Recall every 9 months; 6 units scaling) |
70% (Recall every 9 months; 8 units scaling) |
80% (Recall every 9 months; 8 units scaling) |
100% (Recall every 6 months; 8 units scaling) |
| Routine Services - Periodontic Endodontic |
Not covered |
70% |
80% |
100% |
| Major Restorative Dentures |
Not covered |
Not covered |
50% |
50% |
| Orthodontics |
Not covered |
Not covered |
Not covered |
50% (dependent children under age 18 only) |
| Maximum |
|
|
|
|
| Fee Guide |
Current |
Current |
Current |
Current |
| Routine Services |
$500 per calendar year |
$750 per calendar year |
$1,000 combined maximum per calendar year |
$2,500 combined maximum per calendar year |
| Major Restorative Dentures |
Not covered |
Not covered |
| Orthodontics |
Not covered |
Not covered |
Not covered |
$2,000 per lifetime (children only) |
| Coverage Ends |
At Retirement |
At Retirement |
At Retirement |
At Retirement |
| Health Care Spending Account |
Remaining Credits |
| Annual Allocation Amount |
Remaining flex credits allocated after Base Additional selections |
| Allocation Frequency |
Annual |
| Carry Forward Provision |
Balance carry over for additional 12 months |
| Pro-Rating For New Hires |
Yes |