Full-Time Benefits – Retirements Prior to July 1, 2004

 
Eligibility

For Retiree Optional Extended Life Insurance, Supplementary Health, and Dental Coverage:

  • age 55 or older, and
  • held a continuing full-time position and
  • have had full-time group insurance coverage for 10 continuous years prior to their date of retirement and
  • retired prior to July 1, 2004.

Supplementary Health and Dental coverages are also provided to a retired staff member's spouse and unmarried dependent children, as defined, who normally reside with the retired staff member at his/her regular residence. Temporary absences to attend school will not make the dependents ineligible.

Dependents:

  • Staff member's legal spouse, common-law spouse, or same-sex partner (common-law spouse or same-sex partner means the individual who has been residing with the staff member in a conjugal relationship for a period of not less than one year).
  • Any unmarried natural child, adopted child, or step-child of the staff member or the insured spouse and includes any child for whom the staff member or the insured spouse has been appointed legal guardian by a court of competent jurisdiction. Satisfactory proof of such guardianship must be provided to the insurer:

    • from birth but under 18 years of age,
    • up to 25 years of age, if a full-time student at a school, college or university,
    • 18 years of age or over who is incapacitated for a continuous period beginning before age 18, or while a full-time student and before age 25.

Basic Extended Life

Eligibility

Basic Extended Life Insurance is available to retiring and terminating staff members of the University of Manitoba who, as of their date of retirement or termination:

  1. held a continuing full-time position, and
  2. have had full-time group insurance coverage for the 10 years prior to retirement or termination, and
  3. your age and continuous years of service must total at least 70.

This Benefit is no longer available for retirements after July 1, 2004.

Coverage

As an eligible member, you are insured for an amount equal to the value of one unit of Optional Life Insurance. The value of the unit is adjusted on each April 1, using the Canada Pension Plan cost-of-living percentage increase at the immediately preceding January 1. As at April 1, 2009, the value of one unit was $11,800.

Coverage remains in effect for your entire lifetime. Benefits will be payable to your designated beneficiary.

Beneficiary Designations

Your designated beneficiary under the Basic Extended Life plan, at date of retirement will remain in force until you complete and file with the Staff Benefits Office the required form to change your beneficiary. Your beneficiary designation can be changed at a later date subject to legal restrictions. It is important that the beneficiary designation be updated to reflect changes in personal circumstances.

Cost

The premiums for this benefit are currently recovered from the Benefit Reserve. This benefit is considered to be a taxable benefit by Canada Customs and Revenue Agency. Each year you will receive a T4A slip reporting the taxable amount.

Claim Procedures

The Staff Benefits Office will provide your beneficiary with applicable forms and will provide assistance in filing a claim.

Optional Extended Life Insurance

Coverage

 

As an eligible retiring staff member, you may purchase Optional Extended Life Insurance up to an amount equivalent to your Life Insurance coverage in effect as of the date immediately preceding your retirement, rounded to the nearest unit. The amount of coverage in effect includes your Basic Life coverage (one times your salary) and any Optional Life coverage you may have elected.

At retirement, your Basic Life coverage is converted into units and rounded to the nearest unit. Your Optional Life coverage is equivalent to the number of units of Optional Life in effect as of your date of retirement. The total of your Basic Life and Optional Life units is then multiplied by the dollar value of one unit of Optional Life Insurance as of your date of retirement. The resulting amount is the amount of your Optional Extended Life Insurance.

Example: Prior to retirement, if you were insured for:

  1. One times your pre-retirement salary of $45,000, which the University of Manitoba paid for on your behalf; and
  2. ten units of Optional Life Insurance which you paid for.

If you retire on April 1, 2004, at retirement, you may elect to continue your insurance up to an amount equivalent to the sum of:

  1. One times your salary of $45,000. Your pre-retirement salary is converted to units and rounded to the nearest complete unit in effect at the date of retirement. In this example, on your retirement, the value of a unit was $10,290 . Therefore, the number of units you would be insured for, if you retired on April 1, 2004 would be equal to 4 ($45,000 ÷   $10,290).
  2. Up to ten units of Optional Life Insurance.

 

Under this scenario, the maximum number of units you could be insured for would be equal to fourteen, which is equivalent to $144,060 of insurance. Provided you continue to remit premiums, this amount of insurance will remain in effect until you reach age 71.

Benefit Termination

Optional Extended Insurance terminates on the first day of the month prior to attainment of age 71.

Payment of Premiums

Currently there are two methods by which retirees can submit payment for required Optional Life premiums. 
  1. Retirees who retired prior to July 1, 2004 and who are in receipt of an annuity from the University of Manitoba can elect to have the required Optional Life premiums deducted directly from their annuity payments each month. 
  2. For those members retiring after July 1, 2004 or those retirees not in receipt of an annuity from the University, payment of Optional Life premiums will be via pre-authorized automated withdrawal (direct debit) from your Canadian bank account).

Beneficiary Designations

Your designated beneficiary under the Optional Extended Life plan, at date of retirement will remain in force until you complete and file with the Staff Benefits Office the required form to change your beneficiary. Your beneficiary designation can be changed at a later date subject to legal restrictions. It is important that the beneficiary designation be updated to reflect changes in personal circumstances.

 

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 are provided on the basis that the staff member has maintained coverage under MHSC whether or not such coverage has been maintained.
  • There is a $25,000 lifetime maximum for covered expenses excluding hospital and ambulance.

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). There is a $100 deductible with a 60% reimbursement up to $1,000 and 100% reimbursement thereafter up to the lesser of your Manitoba Pharmacare deductible or $1,500.
    • Medical benefits (80% coinsurance up to the first $500 of expense and 100% thereafter) such as:
      • Charges for services of registered graduate nurses and/or licensed practical nurses both in hospital and in the home when medically necessary and prescribed by a physician, subject to a maximum reimbursement of up to but not more than $5,000 per individual in any twelve month period. Home Care is not covered.
      • Professional ambulance service (in excess of that covered under the Ambulance Benefit) if medically necessary and prescribed by the attending physician, to return the patient to the point of departure in Canada, including one economy airfare for the patient plus additional economy airfare for an accompanying licensed practical nurse or registered nurse (excluding a family member) and a stretcher, cast or life support medical equipment when required. It is provided, however, that no benefit shall be payable for such additional airfare expenses if the person is returning from a trip made for the purpose of undergoing medical treatment outside the area of departure.
      • Transportation charges to return a deceased insured or deceased dependant to the retired staff member's resident city, subject to reimbursement not exceeding $1,000.
      • Services of qualified and licensed physiotherapists, podiatrists, and chiropractors.
      • Rental of a wheelchair, or hospital bed.
      • Prosthesis and surgical support garments as identified in the group policy.
      • Splints, braces, crutches, and casts.
      • Dental services for treatment of a fractured jaw or of accidental injury to natural teeth within 6 months following the accident.
      • For insulin dependent diabetes, diabetic equipment limited to blood glucose monitoring machines and blood letting devices subject to reimbursement not exceeding $350 per lifetime.
      • Insulin, insulin syringes, and Clinitest or similar home chemical testing supplies for diabetics (excluding supplies used with blood glucose monitoring machines).
      • Post-mastectomy external breast prostheses, one per calendar year.
      • Post-mastectomy support brassieres, one per calendar year following single mastectomy, or two per calendar year following bi-lateral mastectomy.

       

    Out-of-County Coverage

    The Supplementary Health Plan specifically excludes coverage for expenses incurred outside of Canada.

    Benefit Termination

    Supplementary Health coverage terminates at age 75.

       

     

    Submitting Supplementary Health
    (Great West Life - Plan Number 44870GH):

    Some things to remember about submitting your claim are:

    • Send in your claim to Great-West Life for your Healthcare expenses.
    • If your spouse has coverage, your expenses should be sent to the insurer for any additional payment.
    For Your Spouse's claim:
    • Send in your claim to your Spouse's insurer.
    • Send the claim to GWL for any additional payment under the Supplementary Healthcare plan.
    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.
    Please note:
    • The policy year is April 1 to March 31.
    • 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 Office, from the Human Resources Office, or download the claim form from our website.
    • If you have any questions about your claim please call Great-West Life, at 942-3589 or 1-800-957-9777 if you are calling outside of Winnipeg. 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.

    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 $1,000
    • the lifetime maximum for orthodontic coverage per eligible dependent child is $1,200.

    Benefit Termination

    Dental coverage is provided for your lifetime.

     

    Submitting Dental Claims
    (Blue Cross - Plan Number #67050)

    • Blue Cross Dental Claim forms can be obtained from the Staff Benefits Office, the Human Resources Office, or download the claim form from our website.
    • 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.
    • 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 775-0151, or 1-800-873-2583 if outside of Winnipeg, but within Manitoba. Please have your employee number handy.
         

         

        Group Insurance Premium Rates

        Benefit Costs

        The University of Manitoba currently pays the full cost of the Supplementary Health, and Dental coverage for those retired members who retired prior to July 1, 2004. You pay the entire cost of Optional Extended Life Insurance. Premiums for Basic Extended Life are recovered by the University. The current (July 1, 2012) premium rates for the Retiree Plans for Retirements prior to July 1, 2004 can be viewed in pdf format at::

         

         

         

           


         

        Questions on Group Insurance Benefits
        please e-mail the Staff Benefits Generalists

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