My InfoEmployees of the trades, grounds and transportation

Basic life insurance

Summary

Employee life insurance

You are insured for twice your salary up to a maximum of $300,000.

You pay the full cost of this life insurance.

Dependent life insurance

Your spouse is insured for $10,000 and your dependent children are insured for $5,000 per child.

You pay the full cost of this life insurance.

Eligibility

You are eligible if you are:
  • A term employee who has completed 1 year of continuous service
  • A permanent employee
  • under age 71

Premiums

You pay the full cost of the Basic Life Insurance. If you are receiving Long term disability benefits, the University covers the full cost. Employee premiums are as follows

  • Employee life insurance: You pay $0.135 monthly for each $1,000 of coverage.
  • Dependent life insurance: You pay a flat monthly premium of $2.618.
  • The above premiums do not include applicable Retail Sales Tax (RST) based on the province of residence (in ON, QC, and MB).

Coverage

Employee life insurance

  • You are insured for two times your annual earnings, to a maximum of $300,000.
  • In the event of your death, the benefit will be paid to your designated beneficiary or your estate if no such designation is made.

Dependent life insurance

  • Your spouse is insured for $10,000.
  • Your dependent children are insured for $5,000 per child.
  • You are the beneficiary of your dependent life insurance.

If you are receiving long term disability benefits, your coverage will be the amount in effect on the date of your disability.

If you become disabled and begin receiving Sick leave benefits (short term disability), your coverage under the Basic life insurance plan will continue as though you were at work; you will continue to pay any required premiums. If you begin receiving Long term disability benefits, your coverage will be maintained at no cost to you for as long as you are eligible to receive long term disability benefits, until you recover, until you reach age 65 or until you die, whichever occurs first.

Exclusions

There are no exclusions for Basic life insurance; the insurance amount will be paid in the event of death from any cause.

Help lines

You can contact Canada Life:
  • Via the Canada Life website or
  • By phoning the Canada Life customer service hotline at 1-833-794-0225

If you encounter any problems or issues, contact Human Resources at hrinfo@uottawa.ca or 613-562-5832