| 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.
