Benefits Overview (UNIFOR)

This summary provides an overview of the main provisions of the group insurance program for eligible Unifor staff at St. Francis Xavier University.

This document is not a contract and is subject to change; it is provided for your convenience. If any discrepancies between the contents of this summary and the official plan contract should arise, the terms of the insurance contract will apply in all cases. In no way shall this document confer any contractual rights or obligations.

Benefit Guide (PDF)

Eligibility

Cost Sharing	100% paid by the University
Insured Persons	Employee
Coverage	Group travel accident insurance provides accident coverage world-wide, provided you are required to travel on the University’s business away from the premises of the University where you are permanently assigned. The amount of insurance for accidental loss of life is $250,000. In case of an accidental injury, the amount paid to you is based on the nature of your injury; the benefits are outlined in your Policy. Benefits are payable for the accidental loss of life regardless of any other benefits that you may receive from any other insurance company. Certain other benefits may be coordinated with any similar benefits, or existing benefits payable under other SSQ in-force policies to ensure maximum payment is available.
Termination of Coverage	Age 75

Health Benefits

Cost Sharing	80% paid by the University 20% paid by the employee
Eligibility	Active - when member retires or at end of the calendar year when they reach 71. Early Retirees - the end of the month that the member reaches age 65.
Prescription Drugs	Reimbursement: You pay $5 for each eligible drug on the prescription. After the $5, the program pays 100%. Limitations Mandatory Generic Substitution Prior Authorization may be required. Pay Direct Drug Card
Hospital Care	100% reimbursement for a Semi-Private Room
Vision Care	100% reimbursement Lenses, Frames, Contact Lenses and Laser Corrective Eye Surgery $250 every 24 consecutive months Every 12 consecutive months for dependent children less than 18 years of age Eye Examinations $50 every 24 consecutive months Every 12 consecutive months for dependent children less than 18 years of age
Paramedical Services	100% reimbursement Provided by a licensed: speech therapist, massage therapist, , chiropractor, osteopath, acupuncturist, chiropodist/podiatrist, homeopath, dietician, audiologist, occupational therapist, athletic therapist or naturopath 100% reimbursement up to $800 per practitioner in a calendar year. Overall combined maximum of $800 per calendar year. Maximum $100 for x-rays for chiropractor or osteopath. Provided by a licensed clinical psychologist/social worker, registered counselling therapist: $1,000 per calendar year. Licensed Physiotherapist $800 per calendar year.
Private Duty Nursing	100% reimbursement to a maximum of $10,000 per calendar year
Medical Supplies & Prosthetic Equipment	100% reimbursement Repairs and/or adjustments are provided to a maximum eligible expense of $300 in a calendar year. Refer to benefit booklet for more information.
Other Eligible Expenses	100% reimbursement Accidental dental provided treatment is within 180 days of accident. Ambulance services to and from nearest hospital able to provide essential care; max $1,000 per calendar year. Hearing aids to a maximum of $600 every three consecutive calendar years; under age 18 every calendar year. Insulin pumps to a maximum of one per five consecutive years. Molded arch supports to a maximum of $300 every year. Compression Stockings to a maximum of $250 per year.
Reasonable and Customary	Expenses are reimbursed based on Medavie Blue Cross' assessment of reasonable and customary fees.

Dental Benefits

Cost Sharing	80% paid by the University 20% paid by the employee
Eligibility	Active - when the employee retires or at end of the calendar year when they reach 68. Early Retirees - the end of the month that the employee reaches age 65.
Reimbursement	Preventative Services - oral examinations, x-rays, scaling and other preventative treatments 100% reimbursement to a maximum of $1,500 in a calendar year. Basic Care - endodontic and periodontic related services 80% reimbursement to a maximum of $2,000 per calendar year. Major Restorative Care - inlays/onlays/crowns and implants 80% reimbursement to a maximum of $1,500 per calendar year Orthodontic Care 50% reimbursement to a maximum of $3,500 per lifetime
Fee Guide	Current fee guide for general practitioners in the employee's province of residence.
Recall Examination	One per consecutive 12 months for participants age 19 and over One per six consecutive months for participants under age 19

Life Insurance

Basic Life Insurance

Cost Sharing	50% paid by the University 50% paid by the employee
Insured Persons	Employee only
Coverage	2 times annual earnings rounded to the nearest $100, if not already a multiple thereof, up to a maximum benefit of $400,000.
Termination of Coverage	Coverage terminates the earlier of age 70 or retirement or termination of employment

Optional Life Insurance

Cost Sharing	100% paid by the employee
Insured Persons	Employee only
Coverage	2 times annual earnings rounded to the nearest $100, if not already a multiple thereof, up to a maximum benefit of $400,000. Evidence of insurability is required for all insured amounts over $50,000.
Termination of Coverage	Coverage terminates December 31st following attainment of age 65, termination of employment or retirement whichever is earlier.

Dependent Life Insurance

Cost Sharing	50% paid by the University 50% paid by the employee
Insured Persons	Employee's spouse and dependants.
Coverage	Spouse: $10,000 Child: $5,000
Termination of Coverage	Coverage terminates the earlier of age 70 or retirement or termination of employment.

Accidental Death and Dismemberment

Required Insurance

Cost Sharing	50% paid by the University 50% paid by the employee
Insured Persons	Employee Only
Coverage	Amount equal to employee life insurance. In case of an accidental injury, the amount paid to you is based on the nature of your injury.
Termination of Coverage	Coverage terminates the earlier of age 70 or retirement or termination of employment.

Optional Insurance

Cost Sharing	100% paid by the employee
Insured Persons	Employee, spouse and dependants
Coverage	Employee: $10,000 minimum, in units of $10,000, to a maximum of $400,000. Family Plan: Spouse only: If no dependent children covered, the coverage for the employee's spouse is 60% of the employee's coverage. Spouses and dependant children: Coverage for the employee's spouse is 50% and coverage for dependent children is 10%. Dependent children only: If no spouse is covered, the amount of coverage for each dependent child is 20% of employee's coverage.
Termination of Coverage	Coverage terminates the earlier of age 70 or retirement or termination of employment.

Optional Critical Illness

Cost Sharing	100% paid by the employee
Insured Persons	Employee and spouse
Coverage	You and your Spouse have the option to buy coverage in units of $10,000 up to a max of $150,000. Coverage is available up to $50,000 with no medical evidence required as long as you apply within 31 days of your hire date. Critical Illness insurance provides a non-taxable lump sum benefit to the employee and covers the following conditions:
	Heart Attack Major Organ Transplant Kidney Failure Loss of Speech Parkinson’s Disease Heart Valve Replacement Coronary Artery Bypass Surgery Major Organ Failure Requiring Transplant Multiple Sclerosis Life Threatening Cancer Benign Brain Tumor Coma Stroke Major Burns Alzheimer's Disease Motor Neuron Disease Blindness Paralysis Loss of Limbs Aorta Surgery Deafness
Termination of Coverage	Coverage terminates at the earlier of age 70 or retirement, or termination of employment; or when the covered amount has been paid out.
Note	Insurer must be notified within 30 days of diagnosis.

Long Term Disability

Cost Sharing	50% paid by the University 50% paid by employee
Insured Persons	Employee only.
Coverage	66.5% of monthly earnings
Maximum coverage	$2,500 per month
Qualifying Period	105 days
Duration of Benefits	To age 65.
Benefits Taxable	Benefits are taxable because the employer contributes to the cost of the LTD coverage.
Definition of Disability	LTD benefits are payable for the first 24 months following the waiting period if injury or disease prevents you from doing your own occupation. After 24 months, LTD benefits will continue only if your disability prevents you from being gainfully employed in any job. Gainful employment is work you are medically able to perform, for which you have at least the minimum qualifications, and provides you with an income of at least 60% of your indexed monthly earnings before disability and that exists either in the province or territory where you worked when you became disabled or where you currently live. The availability of work will not be considered in assessing disability.
Termination of Coverage	Benefits terminates the earlier of age 65, retirement or termination of employment. Coverage ceases at age 65 less the waiting period.

Contact

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