My InfoEmployees of the trades, grounds and transportation

Article 30 : group insurance

30.1 Eligibility for group insurance

  • Unless otherwise provided for by the Agreement or insurance plans in effect, all regular employees covered by the Agreement are eligible for group insurance from their starting date in a regular position.
  • When an employee reaches 65 years of age and is still working and holding a regular position, the group insurance as provided for in Article 30.11 shall end. All other group insurance benefits are maintained, without limitation until the age of 71, in accordance with the conditions that apply to all other employees.
  • Barring any provision to the contrary in the insurance contracts in effect, when an active employee dies, his spouse and dependants continue to have access to the collective insurance benefits for one (1) year.

30.2 Group Insurance

Barring any Agreement to the contrary between the Parties to the Agreement, the terms and conditions governing the following collective insurance contracts shall remain the same as the ones in effect at the time of the ratification of the Agreement:

  • Basic employee life insurance
  • Basic dependant life insurance (new coverage as of May 1st, 2017)
  • Optional Life Insurance for Employees, Spouse and/or Eligible Dependents
  • Extended health insurance plan
  • Basic dental insurance
  • Optional dental insurance
  • Optional hospital room coverage
  • Optional accidental death and dismemberment insurance
  • Basic long term disability program
  • Optional long term disability (as of May 1st, 2017)
  • Health care spending account (as of May 1st, 2017)

30.3 Basic Employee Life Insurance

Regular employees will participate in a basic life insurance plan for which the University pays 100 per cent of the monthly premiums for the first $25,000 of coverage. The University agrees to continue the current practice with regard to the payment of insurance policy premiums until April 30th, 2017.

30.4 Optional life insurance

Effective May 1st, 2017, the employee will pay 100 per cent of the monthly premiums and a mandatory dependant life insurance will be include.

30.5 Optional Life Insurance for Employees. Spouse and/or Eligible Dependents

Regular employees can participate in optional life insurance plans for either employee or spousal coverage. Such plans are based on the insurance provider's conditions and the employee will pay required premium for the policy. The University agrees to continue the current practice with regard to the payment of insurance policy premiums. Effective May 1, 2017, optional dependent life insurance will be added under the same terms as the optional life insurance for employee and spouse.

30.6 Extended Health Insurance Plan

Regular employees will participate in an extended health insurance plan, the monthly premiums for which are paid in full by the University. The University agrees to continue the current practice with regard to the payment of insurance policy premiums.

30.7 Basic Dental Insurance

Regular employees will participate in a basic dental insurance plan, the monthly premiums for which are paid in full by the University. The University agrees to continue the current practice with regard to the payment of insurance policy premiums.

Reimbursement of dental expenses will be based on the Ontario Dental Association fee guide for general practitioners for the year prior to the current year and on the least expensive treatment that will yield professionally adequate results.

30.8 Optional Dental Insurance Regular employees can participate in an optional dental insurance plan in accordance with the provider’s conditions and shall pay the required premium for the policy. The University agrees to continue the current practice with regard to the payment of insurance policy premiums. Reimbursement of dental expenses will be based on the Ontario Dental Association fee guide for general practitioners for the year prior to the current year and on the least expensive treatment that will yield professionally adequate results

30.9 Optional Hospital Room Coverage Regular employees can participate in an optional hospital room coverage in accordance with the provider’s conditions and will pay the required premium for the policy. The University agrees to continue the current practice with regard to the payment of insurance policy premiums.

30.10 Optional Accidental Death and Dismemberment Insurance Regular employees can participate in an optional accidental death and dismemberment insurance plan in accordance with the provider’s conditions and will pay the required premium for the policy. The University agrees to continue the current practice with regard to the payment of insurance policy premiums.

30.11 Long Term Disability Program Only regular employees who have completed their probationary period will participate in a long term disability program for which the University pays 100 per cent of the monthly premiums based on two thirds (2/3)* of the employees’ regular base salary. The University agrees to continue the current practice with regard to the payment of insurance policy premiums.

*As May 1st 2017, the disability plan will change to a basic plan requiring monthly premiums based upon sixty percent (60%) of the employees' regular base salary with the option to participate in an optional long term disability program to increase the percentage of the monthly premiums as provided for in the Insurance contract. The University pays 100 percent of the monthly premiums for the basic plan and the employee will pay the required premium for the optional long term disability program.

30.12 Optional Long Term Disability

As May 1st, 2017, an employee will have an option to secure additional coverage, at their expenses, as provided in the Insurance contract.

30.13 Health Care Spending Account (starting on May 1st 2017)

Employees will be provided with an annual Health Care Spending Account for their usage, in accordance with specific guidelines stipulated by CRA and the insurance contract.