FULL-TIME BENEFITS

Full-time staff members are insured for an amount equal to their basic annual salary.

  • Geographical Full-time (GFT) staff members are insured for an amount equal to their annual GFT base. At January 1, 2013 the GFT base for insurance purposes was $105,544.

Optional Life Insurance

Full-time staff members may apply for optional life insurance coverage up to a maximum of forty units.
  • The value of a unit is $10,000.
  • The insurer will require evidence of insurability for any optional life units in excess of 20 or when your application for optional coverage is submitted more than 30 days after your eligibility date (your full-time start date).
  • The University will not be responsible for any cost incurred to obtain reports pertaining to insurability.
  • Coverage terminates at age 85 for active staff members.

Spousal Optional Insurance:

Full-time staff members may apply for optional life insurance coverage for their spouse up to a maximum of forty units.

  • The value of a unit is $10,000.
  • The spouse will require evidence of insurability for all life insurance coverage.
  • The University will not be responsible for any cost incurred to obtain reports pertaining to insurability.
  • Coverage terminates at age 85 for active staff members.

Dependent Life Insurance

Dependent life insurance provides coverage on the life (lives) of eligible dependent(s). 

  • A full-time staff member may elect one to five units of insurance.
  • The coverage on the eligible dependent(s) will be:

 

Number of Units

 Spouse

  Each Child

5

$15,000

$7,500

4

12,000

6,000

3

9,000

4,500

2

6,000

3,000

1

3,000

1,500

 

  • The insurer will require evidence of insurability if the staff member has dependents but does not apply for Dependent Life Insurance within 30 days of becoming eligible (your full-time start date) or when application for coverage is made subsequent to 60 days following the date of first acquiring an eligible dependent.
  • The University will not be responsbile for any cost incurred to obtain reports pertaining to insurability.

Accidental Death & Dismemberment Insurance (AD&D)

Basic AD&D

  • Full-time staff members are insured for one unit of coverage.
  • Coverage is provided 24 hours a day.
  • A unit is worth $20,000.
  • Insurance is payable when your death results from bodily injury caused by an accident.
  • There is also a benefit payable for specified accidental dismemberment, paralysis, or loss of sight, speech or hearing.

Voluntary AD&D

  • Full-time staff members and their eligible dependents are eligible to be covered for one to twelve units of $20,000 each.
  • Insurance is payable when death results from bodily injury cause by an accident.
  • There is also a benefit payable for specified accidental dismemberment, paralysis, or loss of sight, speech or hearing.
  • The principal sum for eligible dependents, is a percentage of the staff member's principal sum as follows:

Spouse
(No Dependent Children)

50%

Spouse and
Dependent Children

50% Spouse
10% each Dependent Child

Dependent Child
(No Spouse)

20% Each Dependent Child

Long Term Disability

  • Disability Benefits are payable monthly following 180 days of continuous illness or disability provided the staff member meets the definition of disability.
  • The basic monthly income benefit is 60% of monthly earnings.
  • The basic monthly income and other sources related to disability cannot exceed 85% of monthly earnings. Other sources such as Canada Pension Plan, Workers Compensation, Income Replacement plans under automobile insurance are included in other sources.
  • Rehabilitation benefits are available to support your return to work.
  • Each January 1 a cost of living adjustment is provided equal to the lesser of 1.5% and the published consumer price index, provided the Plan's actuary confirms that such increase can be afforded by the Plan. Prorated adjustments are provided for participants who have received more than 12 monthly payments but less than 24 monthly payments. Participants who receive less than 12 monthly payments are not eligible for an adjustment.
  • While receiving disability benefits all university group insurance benefits (life, AD&D, supplementary health and dental) and the university pension plan contributions are maintained.
  • Geographical full-time staff members are not eligible to participate in this plan.

Supplementary Health

  • The Supplementary Health Plan provides coverage for covered expenses which are not insured by the Manitoba Health Services Commission (MHSC).
  • Reimbursement for covered services incurred outside of Manitoba is provided on the basis that the staff member has maintained coverage under MHSC whether or not such coverage has been maintained.
  • There is a $100,000 lifetime maximum for covered expenses excluding hospital and ambulance.
  • Employees, who have health coverage for themselves and their family through a spouse's plan, have the choice of opting out of this plan.

Benefits include:

  • Semi-private hospital, no deductible, 100% coverage.
  • Medically necessary emergency ambulance service, no deductible, 100% coverage.
  • Prescription drugs that are covered by the Prescription Drug Cost Assistance Act of Manitoba (Manitoba Pharmacare program), $50 - 2x deductible with an 80% co-insurance up to an annual maximum of $2,000 (April 1 to March 31).
  • Medical benefits (80% coinsurance up to the first $500 of expense and 100% thereafter) such as:
    • medically required private duty nursing, $5,000 annual maximum
    • breathing equipment, orthopedic equipment, prosthetic equipment, mobility aids and communication aids
    • diabetic supplies
    • wigs for cancer patient undergoing chemotherapy, $200 lifetime maximum
    • hearing aids, $700 maximum every 5 years
    • paramedical practitioners up to a $500 annual maximum effective April 1, 2004 for combined services including; acupuncturists, chiropractors, Christian Science practitioners, dietitians, massage therapists, naturopaths, osteopaths, occupational therapists, physiotherapists/athletic therapists, podiatrists, psychologists/social workers, speech therapists
  • Out-of-Province/out-of-country emergency medical coverage provides for 100% coverage for in-hospital expenses and 80% out-of-hospital expenses up to $500, 100% thereafter. There is no maximum on in-hospital expenses.
  • Global Medical Assistance (Medex) provides worldwide assistance to travellers in emergency medical situations through a worldwide communication network that operates 24 hours a day. The network assists in locating medical care and in obtaining Great-West Life's prior approval of covered services.

Healthcare Spending Account (HCSA)

  • A HCSA provides flexibility and relief for those healthcare expenses, which are outside insured health and dental benefits.
  • Each eligible employee will have a spending account in addition to the insured benefits. If you have opted out of the Supplementary Health Plan, you will still be eligible for this benefit. The spending account for full-time staff members is an annual maximum (April 1 - March 31) of $725
  • A HCSA account is like a bank account. You start each year with an amount and then throughout the year you can pay for certain medical, vision, and dental expenses that are not covered elsewhere. Expenses may be carried forward into the next year. However, if you do not spend the full allocation, you can not carry forward any unused amount.
  • The HCSA can cover you, your spouse and children, or if there is another person for whom you are entitled to claim a medical expense tax credit. To qualify you must be covered for basic group benefits. In addition a dependent can qualify if they are no longer eligible for basic health benefits because of student age restrictions.  

The HCSA can be used:

  • to top up payment for services not fully covered under your benefit plan, or to cover deductibles under your plan or your Spouse's plan;
  • for drugs not recognized on the Manitoba Pharmacare formulary;
  • for vision care;
  • for any expense that qualifies as a medical expense tax credit under the Income Tax Act.
  • to reimburse premiums paid by the employee towards Supplementary Health coverage.

Submitting Supplementary Health and HCSA Claims
(Great West Life - Plan Number 20778):

The HCSA pays out only on the balance remaining after all other insurance plans have paid out. That includes your basic plan, your Spouse's plan, and provincial plans.

On the top right hand corner of the Supplementary Healthcare claim form you are asked to select whether any portion of the expense should be paid from the HCSA. It is very important that you clearly identify how you would like your expenses paid.

Some things to remember about submitting your claim are:

If you are covered under the University of Manitoba Supplementary Health Plan:

  • Send in your claim to Great-West Life for your regular Healthcare expenses.
  • If your spouse has coverage, your expenses should be sent to the spouse's insurer for any additional payment.
  • Your HCSA (GWL) for any unpaid portion of your claim.

If you have opted out of the University of Manitoba Supplementary Health Plan because you have coverage under your spouse's plan:

  • Your expenses should be sent to the spouse's insurer.
  • Your HCSA (GWL) for any unpaid portion of your claim.

For Your Spouse's claim:

  • Send in the claim to your spouse's insurer.
  • Send the claim to GWL for any additional payment under the Supplementary Healthcare Plan (if you have maintained your coverage).
  • Your HCSA (GWL) for any unpaid portion of the claim.

For Dependent Children:

  • Health claims are processed first through the plan of the parent whose birthday is first in the calendar year.
  • Other parent's plan.
  • Your HCSA (GWL) for any unpaid portion.

Please note:

  • The policy year is April 1 to March 31.
  • Expenses to be paid from your Healthcare Spending Account must be received, processed, and paid by Great West Life no later than 90 days (June 30) following the end of the fiscal year. In order to allow adequate time for processing, please ensure your claim is submitted to GWL, no later than June 15.
  • If you do not spend the full allocation, you cannot carry forward any unused amount. If you don't use it, you lose it.
  • Supplementary Health claims are to be submitted promptly and expenses should be claimed no later than the immediately following April 30 or 16 months from the date incurred.
  • Hospital benefits may be assigned to the hospital.  For all other types of benefits, costs may be assigned to the service provider if they accept this form of payment.  Otherwise, you must pay the provider of the service, and Great-West Life will pay any benefits due to you.  Assignment of benefits does not apply to drug claims.
  • Claim forms can be obtained from the Staff Benefits website, Staff Benefits Office or P001 Pathology Building, Bannatyne Campus.
  • If you have any questions about your claim please call Great-West Life, at 1-800-957-9777.  Please have your employee number handy.

Dental

  • Payments are based on the Manitoba Dental Association Fee Guide in effect at the time the services are provided.

Reimbursement Percentages for Covered Services:

  • 80% reimbursement for Basic coverage
  • 60% reimbursement for Major coverage
  • 50% for Orthodontic per eligible dependent child.

Maximums:

  • the annual maximum per calendar year for Basic and Major coverage is $1,500
  • the lifetime maximum for orthodontic coverage per eligible dependent child is $2,000.

Submitting Dental Claims
(Blue Cross - Plan Number #67000)

  • Blue Cross Dental Claim forms can be obtained from the Staff Benefits website, the Staff Benefits Office or P001 Pathology Building, Bannatyne Campus.
  • There are parts of the form to be completed by you and your dentist. The completed form can then be sent directly to Blue Cross.
  • If the dental procedure is one covered under the Supplementary Health Plan with Great-West Life (such as accidental injury to natural teeth), then the special Great-West Life dental claim form should be obtained from the Staff Benefits Office, completed by you and your dentist and the completed form returned to Great-West Life.
  • If there are portions of your dental claim that are not covered by Blue Cross but that you would like to be paid using your Healthcare Spending Account, please submit your Explanation of Benefit from Blue Cross along with your claim form to Great-West Life for payment from your Healthcare Spending Account.
  • Please note that the dental benefits are assignable if your dentist provides this option of payment.  In this case, the insurer will pay the dentist directly for any benefit covered under the terms of the plan and you would be required to pay the balance directly to the dentist.  If your dentist does not accept assignment of benefits, you must pay your dentist, and the insurer will pay any benefits due to you.
  • If you have any questions about your claim please call Blue Cross, at 204-775-0151, or 1-800-873-2583 if outside of Winnipeg, but within Manitoba. Please have your employee number handy.

Premium Rates

Employee Group Insurance Premium Rates for Full-Time staff members and Geographic Full-Time (GFT) staff members can be viewed in pdf format at:

   •  Premium Rates for Full-Time staff

   •  Premium Rates for Geograhic Full-Time (GFT) staff  

 

Questions on Group Insurance Benefits
please e-mail the Staff Benefits Generalists, or call:

Employee surnames beginning with:
A to L   phone: 204-474-8085
M to Z   phone:  204-474-9771