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HSAS & Canadian Blood Services: March 1, 2017 to March 31, 2022

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Canadian Blood Services Universal Benefits Plan

Plan Feature
Retirement Division ·        as per the current retirement division
Major Medical
Premium Cost Sharing ·      as per the Collective Agreement
Waiting Period ·      full-time: 1st of the month following date ofhire

·      part-time: as per the Collective Agreement

Participation Basis ·      employee coverage: compulsory (except for opting out provisions as set out in the benefits contract)

·      dependent coverage: not compulsory

Required Number of Hours ·     as per the Collective Agreement
Deductible ·     $15 single/$25 family deductible for drug expenses

·     nil for all other expenses

Combined Maximum ·     unlimited
Coinsurance
·        Drugs ·      100%
·        Hospital ·      100%
·        Vision ·      100%
·        Other Eligible Expenses §  80% professional and paramedical services

§  100% for all other expenses

·        Drug Features ·     drugs available only by prescription (plus certain life- sustaining drugs that do not legally require a prescription) with a valid Drug Identification Number (DIN)

·      pay direct drug card

·     includes claims management features such as, dynamic maintenance, generic drug substitution, and reasonable and customary pharmacy mark-up

·      and dispensing fee maximums by province

·        Hospital Room ·        private
·        Nursing Care ·        max $25,000 per person every 3 years
·        Paramedical ·       80% paramedical services to applicable maximum
Acupuncture ·        max of $500 per person per year
Chiropractor ·        max of $500 per person per year
Osteopath ·        max of $500 per person per year*
Naturopath ·        max of $500 per person per year*
Podiatrist ·        max of $500 per person per year*
Speech Therapist ·        max of $500 per person per year
Massage Therapist ·        max of $500 per person per year
Acupuncture (performed by physician) ·        n/a
Physiotherapist

Psychologist/Social Worker/Psychotherapist

·        max of $500 per person per year

·        max of $1500 per person per year

Plan Feature
·      Vision Care ·      max of $250 per person in any 24 consecutive months (frames, lenses, laser)

·      one eye exam every 2 calendar years (reasonable and customary costs)

·      Hearing Aids ·     max of $300 per person in any 5 consecutive calendar years
·      Other ·     nursing home accommodation – max $20 a day

·     ambulance services to and from the nearest appropriate medical care

·      medical supplies and services to specified maximums

·     accidental dental treatment within 6 months of the accident

·     extra care (wigs or hairpieces up to $500 lifetime per person)

·      Emergency Out-of-Country ·     emergency medical services

·     referral treatment

·     max of $1 million lifetime per person

·      Travel Assistance ·     Included
* Less any amount paid by the government plan
Dental
Premium Cost Sharing ·     as per the Collective Agreement
Waiting Period ·     same as Major Medical
Participation Basis ·     same as Major Medical
Required Number of Hours ·     same as Major Medical
Dental Fee Guide ·     current in province of residence
Deductibles
Single ·     nil
Family ·     nil
Coinsurance
·     Part I Preventive ·      100%
·     Minor Restorative ·      100%
·     Part II Major Restorative ·      50%
·      Part III Orthodontic ·      50% (Eligible Dependent Children only)
Orthodontic Dependent Children Age Basis ·      under 19 years old
Benefit Maximum ·      Part I – unlimited

·      Part II – $1,500/year

·      Part III – $2,500 lifetime

Recall Exam ·      6 months
X-Rays ·      bitewing – once every 6 months

·      full mouth – once every 24 months

Plan Feature
Long Term Disability
Premium Cost Sharing ·     as per the Collective Agreement
Plan Feature
Waiting Period ·        same as Major Medical
Participation Basis ·        employee coverage: compulsory

·        dependent coverage: not applicable

Required Number of Hours ·        same as Major Medical
Benefit Formula ·        less than 4 years of service: 66 2/3% of pre-disability earnings

·        4 years of service or more: 75% of pre-disability earnings

Maximum Benefit ·         $15,000 a month without Evidence of Insurability,

$23,000 a month with satisfactory Evidence of

Insurability as per Manulife.

Qualifying Period ·        15 weeks or expiration of sick leave credits whichever is greater
All Source Maximum ·        80% of gross pre-disability earnings
Definition of Disability ·        2 years own occupation
Indexation of Benefits ·        no
Pre-existing Condition Clause ·        yes
Basic Life Insurance
Premium Cost Sharing ·        as per the Collective Agreement
Waiting Period ·        same as Major Medical
Participation Basis ·        employee coverage: compulsory

·        dependent coverage: not applicable

Required Number of Hours ·        same as Major Medical
Benefit Formula ·        1.5x basic annual salary, rounded to next highest $1,000, if not already a multiple of $1,000
Reduction Formula ·        employee at age 65: coverage immediately reduces at age 65 & on each anniversary thereafter to the following percentage of original amount:

85% at age 65

70% at age 66

55% at age 67

40% at age 68

25% at age 69

Maximum Benefit ·      without evidence: $600,000

·      with evidence: $1,000,000

·      combined maximums with Optional Life

Optional Life Insurance
Premium Cost Sharing ·        as per the Collective Agreement
Waiting Period ·        same as Major Medical
Plan Feature
Participation Basis ·        employee coverage: not compulsory

·        dependent coverage: not applicable

Required Number of Hours ·        same as Major Medical
Benefit Formula ·        1x or 2x basic annual salary, rounded to next highest $1,000, if not already a multiple of $1,000
Maximum Benefit ·        without evidence: $600,000

·        with evidence: $1,000,000

·        combined maximums with Basic Life

Dependent Life
Premium Cost Sharing ·        as per the Collective Agreement
Waiting Period ·        same as Major Medical
Participation Basis ·        employee coverage: not applicable

·        dependent coverage: not compulsory

Required Number of Hours ·        same as Major Medical
Benefit Formula
·        Spouse ·        $5,000
·        Each Eligible Child ·        $2,000
Basic Accidental Death & Dismemberment (AD&D)
Premium Cost Sharing ·        as per the Collective Agreement
Waiting Period ·        same as Major Medical
Participation Basis ·        employee coverage: compulsory

·        dependent coverage: not applicable

Required Number of Hours ·        same as Major Medical
Benefit Formula ·        1.5x basic annual salary, rounded to next highest $1,000, if not already a multiple of $1,000
Reduction Formula ·        employee at age 65: coverage immediately reduces at age 65 & on each anniversary thereafter to the following percentage of original amount:

85% at age 65

70% at age 66

55% at age 67

40% at age 68

25% at age 69

Voluntary AD&D
Premium Cost Sharing ·        as per the Collective Agreement
Waiting Period ·        same as Major Medical
Participation Basis ·        employee coverage: not compulsory

·        dependent coverage: not compulsory

Required Number of Hours ·        same as Major Medical
Benefit Formula
·        Employee Coverage ·        units of $10,000 to maximum of $500,000
Plan Feature
·        Family Coverage ·        spouse, no children: 50% of employee coverage

·        spouse and eligible children: 40% of employee coverage for spouse & 10% for each child

·        eligible children only: 15% of employee coverage for each eligible child

 

Effective October 1, 2018

This is a summary of your benefits. While every effort has been made to ensure the accuracy of this information, complete information of your benefits can be found in the policy contract on the CBS intranet. Should any difference occur between this information and the contract, the contract will prevail.

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