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Know Your Benefits

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Title: Know Your Benefits


1
Know Your Benefits
Your Logo Here
  • Jennifer Drummond
  • Diane Ross Mathers

2
Our Goal today
  • Is to get you more familiar with your Sun Life
    Benefits and Human Resources Services
    highlighting our website and other College
    services.
  • As part of our green initiative we will not be
    supplying copies of the presentation today but
    they are available on our HRS website.
  • Tour of Human Resources Website

3
Information Sources Services
  • Internal communications
  • MyAlgonquin
  • http//myalgonquin.algonquincollege.com/
  • Good Morning Algonquin
  • Human Resources Services website at
  • http//www.algonquincollege.com/humanresources/
  • College Services
  • College Directives

4
Benefits
  • Our Benefits carrier is Sun Life of Canada
  • Mandatory Benefits you participate in are
  • Basic Life Ins
  • LTD coverage
  • Extended Health (single or family coverage)
  • Dental (single or family coverage)
  • Optional Benefits are additional term life
    insurances over and above the Basic Life
    Insurance. Each employee group has different
    life insurance options to choose from.

5
Benefits
  • All leave and benefit information is available on
    our website.
  • Please visit the Human Resources Service website
    at
  • http//www.algonquincollege.com/humanresources
  • Please notify Human Resources Services if you
    have a change in address.
  • Please note that Notification to Sun Life of a
    change in address will occur upon completion and
    submission of your next claim form.
  • Please notify Human Resources Services of changes
    in your personal status, or life-change such as a
    Birth, Marriage or Divorce which will affect your
    coverage needs and /or your beneficiaries to your
    life insurance and/or your pension.

6
Benefits
  • Changes in personal status may affect your
    benefit coverage. You must contact the benefits
    administrator to discuss your coverage within 31
    days following the change. A change in marital
    status, birth of a child or death qualifies as a
    change in life listed in your benefits
    handbooks
  • It is important to notify HRS within the 31 day
    change in life requirement as Sun Life will not
    allow back dating of changes to dependent status.
  • A Sun Life health questionnaire will be required
    if request received after 31 days. There is no
    guarantee of approval.
  • Any benefit changes must be done on the
    appropriate forms requiring original signatures.
    No changes will be made via email or telephone,
    unless approved by HRS.

7
What is Covered?
  • Extended Health Plan
  • Semi private hospital room
  • 85 reimbursement on prescription drugs
  • 1,500 Paramedical Services
  • Vision and Hearing Care
  • Dental coverage
  • see your employee group benefit booklets for
    more details.

8
Dental Coverage
  • Preterminations are required on services over
    300 or major treatments (cap/crown)
  • 2000 Maximum per calendar year Type ABC for
    Support and 2500 Maximum per calendar year Type
    ABC for Academic and Administrative.
  • 2000 Maximum per calendar year for Type E,
    (Crowns and Bridges) for Support and 2500
    Maximum per calendar year for Type E for Academic
    and Administrative.
  • Orthodontic coverage insured at 50 to a lifetime
    maximum of 2500
  • Please have your dentist request a
    predetermination electronically to Sun Life or
    you can fax your request to SL at 416-490-0224

9
Calendar Year for EHC and Dental
  • January 1 to December 31 each year for both Ext.
    Health and Dental coverage
  • Deadline for claims is 18 months from date of
    service or 90 days if your coverage has
    terminated.

10
Benefit Year for Vision and Hearing Care ONLY
  • Vision September 1 to August 31 every 2 years
    (under 18 entitled each year)
  • The current 2 year period for vision is September
    1/06 to August 31/08
  • Please note both an Ophthamologist and
    Optomotrist are covered at 85 under the combined
    paramedical services providing they are
    registered in the province.
  • Hearing the coverage is every 3 years (all
    ages)
  • The current 3 year period for hearing is Sept
    1/06gt Aug 31/09

11
Laser Eye Surgery
  • You can combine your unused portion of the 1,500
    in Paramedical coverage with your unused vision
    coverage to go towards laser eye surgery.
  • Please contact Sun Life directly for a
    predetermination and available coverage to ensure
    eligibility PRIOR to surgery.

12
What is not Covered
  • Athletic Therapy Services
  • Over the counter Meds
  • Smoking Cessation
  • Weight Loss Treatments
  • Hair Growth Stimulants
  • Some Vaccines and the injection costs
  • Blood Pressure Monitors
  • Please see the benefit booklet for your employee
    group on the HRS website for further details on
    exclusions from our plan.

13
List of Paramedical ServicesCombined Maximum of
1500 per Benefit Year
  • In any calendar year the plan will cover 85 of
    the costs, up to a combined maximum of 1500 for
    the licensed paramedical specialists listed below
    per person.
  • chiropractor, chiropodist, podiatrist,
    naturopath, massage therapist, osteopath, speech
    therapist, physiotherapist, audiologist,
    optometrist,
  • ophthalmologist, occupational therapist,
    psychologist and acupuncturists.

14
Paramedical Services
  • Reimbursement for Paramedical expenses are as
    follows
  • Payment is made according to the qualifications
    of the person providing the service.
  • All specialists/practitioners must be registered
    in their province of practice , where the
    services are rendered. If services rendered by a
    non-licensed and/or a specialist/practitioner
    registered in another province, expenses are not
    eligible for reimbursement.
  • For Example ANN members (licensed naturopaths
    in Quebec) who provide services in Ontario are
    not eligible.
  • The services must be within the scope of the
    provider's practice

15
Naturopath Coverage
  • Naturopaths that are members of the ANN
    associations are only eligible if practicing in
    Quebec. They are not eligible if the ANN member
    is practicing out of any other province. You must
    be a Quebec Resident to be eligible for ANN
    services reimbursement.
  • In order to practice Naturopathic Medicine in
    Ontario, Naturopathic Doctors must be registered
    with the BDDT-N (Board of Directors of Drugless
    Therapy - Naturopathy). Qualifications are as
    follows N.D. (Doctor of Naturopathic Medicine).
  • Please note there is currently no coverage for
    Homeopathy.

16
Psychologist ServicesEducational Assessments
  • There are provisions for an educational
    assessment performed by a Psychologist. This
    coverage is applicable if the child is under the
    age of 18 and if a medically restrictive
    condition is suspected, such as attention Deficit
    Disorder or Dyslexia. The Psychologist must be
    properly qualified and registered in the province
    they are practicing in. Coverage is at 85 of the
    reasonable and customary amount specified by the
    province falling under the shared dollar maximum
    of 1500 for paramedical services.
  • An assessment would not be considered eligible if
    it was conducted in order to determine if a child
    is gifted, pre-school evaluations, career
    planning. Any charges for a report or paperwork
    will also not be covered by the policy.

17
Orthopaedic Shoes and Orthotics
  • The CAAT health care plans recognize orthopaedic
    shoes and orthotics as a combined maximum under
    the 1500 Paramedical Services. Therefore, you
    and your dependents are eligible for either
    orthopaedic shoes OR orthotics, not both, in each
    calendar year.
  • Academic Staff - contract 50832
  • up to a maximum of two (2) pairs for persons
    under 8 years of age, and one (1) pair for
    persons 8 years of age and over, in a calendar
    year.
  • Administrative Staff contract 50833
  • up to a maximum of two (2) pairs for persons
    under 8 years of age, and one (1) pair for
    persons 8 years of age and over, in a calendar
    year.
  • Support Staff contract 50834
  • up to a maximum of three (3) pairs for persons
    under 8 years of age, two (2) pairs for persons 8
    years of age and over but under 18 years of age,
    and one (1) pair for persons 18 years of age and
    over, in a calendar year.
  • Prescription from physician, podiatrist or
    chiropodist is required and must be medically
    necessary.
  • If you have co-ordination with another plan
    (including the College Plans) that also allows
    one pair per year, you could receive the
    difference between what you actually paid for the
    orthopaedic shoes and what you were reimbursed
    from the CAAT health care plans. Under both
    plans, the claim would be deemed as one pair
    regardless of how much each carrier paid towards
    the pair.

18
Osteopath Coverage
  • OSTEOPATH
  • Under the CAAT Extended Health Care Plans
    (Academic, Administrative, Support), services
    provided by a Doctor of Osteopathy (DO) are
    eligible expenses.
  • WHAT IS A DOCTOR OF OSTEOPATHY?
  • A Doctor of Osteopathy (DO) is a physician (MDs)
    who has additional qualification in osteopathy.
    (treatment of the muscuoskeletal system). They
    are regulated and certified by the College of
    Physicians and Surgeons of Ontario. Osteopathic
    services provided by anyone other than a Doctor
    of Osteopathy are not eligible for reimbursement,
    as they were not provided by a practitioner who
    has completed the doctorate degree.
  • COVERAGE IN QUEBEC
  • Quebec is the only province with a regulatory
    body for osteopaths. The CAAT Extended Health
    Care Plans cover osteopathic services from
    practitioners registered with the Institut
    denseignement de lostéopathie du Québec (IEOQ).

19
Medical Services and Equipment
  • Breast Prostheses and surgical bras, required as
    a result of surgery, up to a maximum of 600 per
    person in any Calendar Year.
  • Wigs are an eligible expense at 85 of what is
    considered reasonable and customary which is
    currently 500 per person every benefit year.
  • Casts, splints, trusses, braces and crutches
  • Iron lungs, wheelchairs, or other durable
    equipment rented for temporary therapeutic use.
    Where the purchase of durable equipment is less
    expensive than rental, it will be given
    consideration by Sun Life.
  • Oxygen and its administration
  • Artificial limbs and eyes, including repairs and
    replacements when medically necessary
  • Compression stockings. All receipts require
    compression value (which should be 20mm-40mm HG
    to be eligible)

20
Medical Services and Equipment
  • Standard walkers, crutches and canes are eligible
    expenses at 85. A doctors referral is required
    for a standard walker but not for crutches and
    canes.
  • Guideline for walkers is one every 60 months.
    Repairs and replacements are considered based on
    the members medical criteria.
  • Sun Life will ask for duration of rental and if
    rental costs exceed purchase cost they may
    suggest the purchase of the equipment.

21
Medical Services and Equipment CPAP Machines
  • CPAP Machines (Continuous Positive Airway
    Pressure) used for Sleep Apnea are eligible at
    85 up to a maximum of what is considered
    reasonable and customary charges.
  • If CPAP Machine is approved by a provincial plan
    such as ADP (Assistive Devices Program) the
    balance is paid by Sun Life up to 85.
  • The CPAP machine is not included as part of the
    1500 Paramedical maximum.
  • Members are to submit their claim through ADP
    first, then submit the explanation of benefits
    from ADP which confirms the amount they have
    reimbursed, along with a copy of the receipt for
    the purchase to Sun Life for reimbursement.

22
Medical Services and Equipment
  • OHIP covers the cost of licensed ambulance
    services, where medically necessary, for local
    transportation of the person to and from the
    nearest hospital. You are responsible to pay a
    co-payment which is currently 45.If the member
    receives a bill for emergency transportation,
    they can submit the claim to SL along with the
    detailed receipt. The plan only has provisions
    for a licensed ground ambulance.
  • Non-emergency transportation by an ambulance
    provider is not covered.

23
Out of Country Coverage
  • Your Extended Health Care Plan is NOT intended as
    full travel insurance and it is strongly
    recommended that employees obtain additional
    coverage.
  • The intent of the out of country benefit is for
    emergency medical treatment. An emergency is an
    acute illness or accidental injury that requires
    immediate, medically necessary treatment
    prescribed by a doctor (e.g. at a hospital or
    clinic). This includes non-elective treatment for
    immediate relief of severe pain or illness that
    cannot be delayed until you or your insured
    dependent is medically able to return to your
    province of residence.
  • It covers a portion of the cost of semi-private
    hospital room accommodations, out-patient
    services in a hospital and the services of
    doctor, up to the difference charged by a doctor
    and the amount equal to the medical fee schedule
    of the person's province of residence for
    emergency health services.
  • See your employee group benefit booklets for
    details on out of country coverage or visit the
    HRS website.
  • Worldwide Assistance Services Inc., Sun Life's
    emergency travel assistance provider, changed its
    name to Europ Assistance USA, Inc.

24
Sun Life Travel Card
25
Benefits
  • EAP Program Employee Assistance Program
  • Algonquin College recognizes that personal
    difficulties experienced by an employee may have
    serious effects on their health, well-being,
    personal life, and their involvement and
    performance in the workplace.  The Employee
    Assistance Program (EAP) has been developed to
    help you and your family with personal concerns,
    tensions and stress before they lead to more
    serious problems.
  • The service provider for Algonquin College is
    WarrenShepellfgi. Please see our website for
    additional information, or visit their website at
    www.warrenshepell.com.
  • Professional, confidential support is offered
    through WarrenShepell 24 hours per day, 7 days a
    week, by calling the following numbers
  • English Service 1 800 387 4765
  • French Service 1 800 361 5676

26
Benefits
  • Each employee group has a specific policy number
    and certificate number
  • When you contact Sun Life, it is important to
    have your policy information readily available. 
    Each group's policy information is summarized
    below.
  • Group Policy/Contract Certificate
  • Support 50834 101 Employee
  • Administrative 50833 301 Employee
  • Academic 50832 201 Employee
  • Coordination of benefits is also available should
    you have coverage under your spouses benefits
    plan.
  • Please note when retiring your plan number will
    change.

27
Benefits
  • You can also contact Sun Life directly
  • By Phone 1-800-361-6212
  • By Email AskUs_at_SunLife.com
  • Via the Web www.sunlife.ca
  • Your contract and certificate number will be
    required
  • when contacting Sun Life

28
Sun Life On-Line Member Services
29
Using your Sun Life Drug Card
  • Present your card and your pharmacist will send
    your claim electronically to Sun Life. Sun Life
    will pay the covered amount directly to your
    pharmacy so you only have to pay the balance.
  • Having a Pay-Direct drug card does not mean all
    drug claims are covered or that they will be
    fully reimbursed. If the drug your doctor has
    prescribed isn't eligible under the plan, it will
    not be covered. You may want to discuss another
    option with your doctor before filling this
    prescription.
  • Keep in mind any medication that does not have a
    DIN number (drug identification number) will not
    be covered by the plan. For example, some newer
    experimental cancer drugs.
  • If you do not use the card for all your drug
    purchases, your reimbursement could be affected
    due to the pharmacist mark ups on the cost of the
    drugs. This means you may have to pay more
    out-of-pocket.
  • Be sure to review your benefit booklet so you
    understand what the plan covers.

30
Pension
  • CAAT Pension Plan Mandatory enrolment
  • CAAT Pension Plan
  • Defined Pension Plan
  • College matches penny for penny
  • 2 rule for each year of service you receive 2
    towards your annual pension
  • Contributions are based on your year-to-date
    earnings as follows
  • 10.1 on the first 3,500 of earnings (matched
    by College) bi-weekly
  • 8.3 on the next 3,501 to 44,900 of earnings
    (matched by College) bi-weekly
  • 10.1 on any earnings over 44,901 (matched by
    College) bi-weekly
  • PLEASE NOTE You cannot contribute to two
    registered pension plans at the same time.
  • Please see http//www.caatpension.on.ca for more
    detail on the plan.

31
Contributions to the Plan will be increasing by
1 of salary on each of January 1, 2008, 2009,
and 2010. total increase of 3 of salary applies
to both Plan Members and Colleges.
32
Pension Marriage Breakdown
  • In the event of a marriage breakdown or
    separation by a Member, the CAAT Plan requires
    evidence that the ex-spouse is entitled to a
    share of the Members pension, or that he or she
    has waived such entitlement.
  • The best source of this evidence is a copy of the
    separation or divorce agreement that directly
    addresses the settlement of the pension
    entitlement.

33
Pension Marriage Breakdown
  • In the event that there is no agreement, or the
    agreement does not address the pension issue, or
    if the Member refuses or is unable to submit a
    copy of the agreement or a signed waiver, the
    Plan will accept a notarized affidavit, paid for
    by the Member or former Member. For information
    regarding your CAAT Pension and Separation or
    Divorce, please visit the CAAT Pension Website
    regarding Divorce and Separation Agreements at
    www.caatpension.on.ca or contact Jodie Sourial of
    CAAT Pension at 1-866-350-2228.

34
Types of Leave
  • Short Term Disability (STD or sick leave)
  • Short Term Disability covers employees who are
    absent from work due to illness or injury for the
    first 130 days. The rate of pay received while
    off on sick leave depends on the number of days
    in the employees sick leave bank. 100 salary is
    paid for banked sick days and 75 for any days
    thereafter up to a maximum of 130 days.
  • Sick Leave Entitlements are as follows
  • Support Staff September 1st-10 days
  • Academic September 1st-20 days
  • Administrative July 1st-130 days

35
Medical Certificates
  • In general, medical certificates are requested
    after an absence of 5 or more consecutive days.
    However, the College reserves the right to
    request medical evidence in all circumstances as
    per College Directive D8 1.1.2
  • Absences of 5 consecutive days duration or longer
    are to be reported to Human Resources Services
    immediately by the Supervisor.
  • For further information regarding the Short Term
    Disability processes, please contact Karen Petrie
    at x5363 or petriek_at_algonquincollege.com

36
Types of Leave
  • Long Term Disability (LTD)
  • Once the 130 day STD period has expired, the
    employee may then be eligible for LTD.
  • Completion of an LTD package by both the employee
    and physician is mandatory. This package is sent
    to the employee prior to the expiration of the
    130 days STD.
  • Please contact Sandra Luck-Vinet at ext. 5488 or
    luckvis_at_algonquincollege.com should you require
    further information regarding LTD process.
  • Once approved
  • Admin and Support staff receive 66 2/3 salary
    (taxable income) from Sun Life
  • Academic staff receive 60 salary (nontaxable
    income) from Sun Life
  • There are modified Work load accommodations
    available when necessary. Sandra is also the
    contact for modified workloads

37
Leave
  • Professional Development
  • Academic 10 days per year
  • Support 3 days per year
  • Administrative Subject to conditions
  • Vacation
  • Academic 43 days once full academic year is
    completed
  • Support 15 working days once a full year of
    service is completed. Increase as per C.A.
  • Administrative 22 working days after one year of
    continuous service
  • Maternity/Parental Leave
  • Pregnant employee employed at least 13 weeks
    before delivery date
  • 17 weeks of Maternity leave
  • 2 week EI waiting period paid at 93 of salary.
  • Salary is topped up by the college to 93
  • Parental leave up to 37 weeks
  • Parental includes adoption

38
Leave
  • Prepaid Leave
  • Leave between 6 months to 1 year
  • Deferral of regular salary from previous year
  • Must have 3 years seniority
  • Leave Without Pay
  • May vary in length not exceeding one year
  • Over 4 months must have Presidents approval
  • Request in writing
  • Leave With Pay (managers approval)
  • Bereavement Leave (3 days)
  • Extenuating Personal Circumstances (Compassionate
    Leave 3 to 5 days)
  • Religious Leave (up to 3 working days) As per
    directive D8 (1.3 - Religious Duty), Article 21
    of the Academic Collective Agreement, Article
    12.1 of the Support Staff Collective Agreement,
    and The Terms and Conditions of Employment for
    Administrative Employees, full-time College
    employees may be eligible for leave on religious
    holidays - when the proper documentation is
    provided.
  • Jury Duty/Subpoenas
  • Family Care Days (Academic staff only, taken from
    sick leave up to 5 days)

39
Leave
  • Reduced Workload
  • Upon approval
  • Salary and vacation is pro-rated
  • Maximum of 5 years
  • Statutory Holidays
  • Family Day
  • Good Friday
  • Canada Day
  • Labour Day
  • Victoria Day
  • Civic Day
  • Thanksgiving Day
  • Christmas Day and New Years Day and days in
    between
  • The College will remain open on Easter Monday and
    Remembrance Day

40
On-Line Pay Stubs
  • Bi-weekly basis
  • Electronic paystub
  • Username and password
  • https//enterprise.algonquincollege.com/ops/

41
Pension and BenefitsResignations and Retirement
  • Resignation Retirement
  • Notice Required (2 weeks for Support Staff, 90
    days for Academic Staff and 30 days for
    Administrators)
  • Please contact Connie Powers at ext. 5119 or
    powersc_at_algonquincollege.com for further
    information.
  • Please contact Jennifer Drummond at ext. 5367 or
    drummoj_at_algonquincollege.com for pension
    estimates.
  • Notice is required in writing to your manager and
    copied to HRS in C426

42
Questions
43
  • Thank you for attending!
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