Note: Eligibility for Part-time coverage is based on working an average of 20 hours per week or more over a rolling 3 month period and at least 3-months of service.
Feature | ||
Eligibility/Waiting Period | Eligibility for Part-time coverage is based on working an average of 16 hours per week or more over a rolling 90-day period. | |
Annual Deductible | None | |
Coverage Termination | Retirement | |
Covered expenses* | Core group benefits plan* | Enhanced group benefits plan |
Hospital |
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Prescription Drugs** |
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Vision Care |
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Out-of-province/Canada Medical Emergency |
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Medical supplies and services |
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Private duty nursing | 50% up to $10,000 per calendar year | 100% up to $10,000 per calendar year |
Hearing aids | No coverage | $500 every 5 calendar years |
Orthopedic appliances |
| 80% 2 pairs per calendar year |
Orthopedic shoes |
| 80% 1 pair per calendar year |
50% | 80% | |
Paramedical practitionersOsteopath, Podiatrist, Chiropractor, Naturopath, Massage Therapist, Physiotherapist, Speech Therapist, Acupuncturist | Up to $300 per calendar year for Paramedical and Mental Health practitioners combined | Up to $500 per practitioner per calendar year up to $1,000 |
Mental Health Practitioners***Clinical Counsellor, Marriage and Family Therapist, Psychoanalyst, Social Worker, Psychotherapist and Psychologist | Up to $300 per calendar year for Paramedical and Mental Health practitioners combined | $1,000 per calendar year for all mental health practitioners combined |
Feature | |||
Waiting Period | Eligibility for Part-time coverage is based on working an average of 16 hours per week or more over a rolling 90-day period. | ||
Deductible | None | ||
Coverage Termination | Retirement or Termination | ||
Dental Fee Guide | Current guide for general practitioners and specialists based on province in which services are rendered (same as current coverage) | ||
Covered Expenses* | Core group benefits plan | Enhanced group benefits plan | |
Basic and Preventative Services | 50% to a maximum of $300 per calendar year | 100% to a maximum of $2,000 per calendar year | |
Dentures and Major restorative services | No coverage | 50% to a maximum of $2,000 per calendar year | |
Orthodontics (child and adult) | No coverage | 50% to a lifetime maximum of $1,500 | |
* Reasonable and customary limits apply | |||
**If you are a Quebec resident, your prescription drug coverage will be subject to and coordinate with RAMQ and other provincial regulations and some coverages are not applicable. | |||
*** Contact Manulife to confirm coverage eligible in your province |
Benefit Details | Benefit Plan |
Cost Sharing | 100% Employer Paid |
Coverage | Replaces 66.7% of weekly earnings |
Qualifying Period | 7 calendar days |
Maximum Benefit Period | 16 weeks |
Waiting period | 90 calendar days |
Taxable to the Employee | Yes |
Definition of disability | Employee is unable to complete own occupation due to illness or not work-related injury |
Basic Business Travel Accidental Death & Dismemberment Coverage termination | 1 x annual earnings At retirement , termination or age 70, whichever is earlier |
Maximum | $500,000 |
Termination | At retirement , termination or age 70, whichever is earlier |
Accidental Death & Dismemberment (AD&D) | 1 x annual earnings |
Maximum | $1,000,000 |
Termination | At retirement, termination or age 70, whichever is earlier |
Tuition Assistance Program | 50% of tuition, registration fees and books for approved courses per calendar year
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Retirement | Deferred Profit Sharing Plan (DPSP)
RRSP – personal contribution |
Employee Stock Purchase Plan | Personal contribution – 15% stock savings |
Jury/Witness Duty | Employer pays the difference between per diem as a juror and regular earnings when employee has jury duty during regular work schedule. |
Bereavement Leave Paid Benefit **** | Up to 5 paid days, depending on the relationship after 90 days of service:
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Sick/Family Responsibility Leave Paid Benefit **** | 12 paid hours annually, after 1 year of service
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Vacation Rate **** |
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Float days | Float days after 1 year of service Float days + stat holidays = 10 days holidays for each province |
****If applicable statutory entitlements provide for a greater leave (paid or unpaid), the greater right will be applied. Leaves entitlements (paid or unpaid) as provided above, are inclusive of, and will be deducted from any statutory leave entitlements. |