Know Your Benefits

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Know Your Benefits
Your Logo Here

• Jennifer Drummond
• Diane Ross Mathers

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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

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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

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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.

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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.

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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.

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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.

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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

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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.

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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

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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.

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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.

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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.

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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

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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.

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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.

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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.

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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).
  

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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)

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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.

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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.

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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.

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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.

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Sun Life Travel Card
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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

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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.

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Benefits

• You can also contact Sun Life directly
• By Phone [phone]
• By Email AskUs_at_SunLife.com
• Via the Web www.sunlife.ca
• Your contract and certificate number will be
  required
• when contacting Sun Life

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Sun Life On-Line Member Services
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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.

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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.

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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.
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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.

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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.

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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

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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

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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

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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

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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)

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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

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On-Line Pay Stubs

• Bi-weekly basis
• Electronic paystub
• Username and password
• https//enterprise.algonquincollege.com/ops/

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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

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Questions
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• Thank you for attending!