The Benefits At-a-Glance summarizes the coverage available to you under the PSGIP. It does not describe all the benefit details. Certain limitations and conditions apply. See the exclusion sections for each benefit for more information. Coverage shown is per insured person and per calendar year, unless otherwise stated.
Overview
Health
Supplements your provincial health coverage.
| Reimbursement* | |
| Prescription drugs
(mandatory generic substitution)
|
|
| Hospital accommodations |
|
| Paramedical practitioners | 80%
|
| Eye exams | 80%
One eye exam every 2 calendar years
(every calendar year for children age 18 and under) |
| Eye glasses or contact lenses | 80%
$160 maximum once every 2 calendar years
(every calendar year for children age 18 and under) |
| Private-duty nursing | 80%
$8,000 maximum per calendar year |
| Medical supplies and prosthetics | 80% |
| Other eligible expenses | 80% (except for ambulance services) |
|
Treatment must be completed within 12 months of the accident |
|
100% of the first $50 of eligible expenses per calendar year, and 80% thereafter |
|
1 pump every 5 calendar years, to a maximum of $5,200 |
|
$900 maximum per ear every 5 calendar years |
|
$240 combined maximum every calendar year |
| *Â Expenses are reimbursed based on Canada Life’s assessment of reasonable and customary fees. | |
Travel
Supplements your provincial health coverage.
| Reimbursement | 100% |
| Emergency out-of-province /
country health care |
$1 million maximum per emergency
(must be covered under provincial plan) |
| Travel assistance | 24/7 services
Collect: |
Dental
Provides coverage for a variety of dental procedures.
| Reimbursement | Plan A | Plan B |
| Preventative services
(e.g., oral exams, cleaning and scaling of teeth, fillings and x-rays) |
80%
Recall exams once every calendar year |
80%
Recall exams once every calendar year |
| Maintenance services
(e.g., oral surgery and periodontic and endodontic care) |
80% | 80% |
| Major restorative services
(e.g., dentures, crowns and bridges) |
No coverage | 50%
$1,000 maximum per calendar year |
| Orthodontics (braces) |
No coverage | 50%
$3,000 lifetime maximum |
| Dental fee guide | Current year fee guides for general practitioners and specialists (if applicable) | |
Basic Life and AD&D Insurance
Provides financial security if you or a dependent dies or suffers a severe injury as a result of an accident.
| Coverage | Basic Life | Basic AD&D |
|
3 X your annual earnings $300,000 maximum* | 3 X your annual earnings $300,000 maximum |
|
2 X your annual earnings
$25,000 minimum and $175,000 maximum |
2 X your annual earnings
$25,000 minimum and $175,000 maximum |
|
$40,000 | $40,000 |
|
$40,000 | $40,000 |
|
$100,000 | $100,000 |
|
2 X employment guarantee, minimum $25,000 and maximum $175,000 | 2 X employment guarantee, minimum $25,000 and maximum $175,000 |
|
$50,000 | $50,000 |
|
$4,000**
(optional coverage) |
- |
|
$3,500 per child
(optional coverage) |
- |
- If you are a full-time Civil Service employee and you did not elect a benefit of 3 X annual earnings on
December 1, 1996 , coverage is equal to 2 X your annual earnings, to a maximum of $175,000.If you are a full-time UPSE employee who did not elect coverage of 3 X annual earnings during June 1996, or a part-time UPSE employee who was covered beforeJune 1, 1996 , coverage is equal to 2 X employment guarantee, minimum of $25,000, to a maximum of $175,000.
- Coverage is equal to $3,500 if you are a:
- full-time Health Sector UPSE employees who elected a benefit of 3 X annual earnings on
June 1, 1996 , - permanent full-time UPSE employees who transferred from Civil Service to Health Sector on
August 1, 1995 and remained an UPSE employee, and full-time Health Sector UPSE employees who did not elect a benefit of 3 X annual earnings onJune 1, 1996 , and - permanent part-time UPSE employees who transferred from the Civil Service to the Health Sector on
August 1, 1995 and remained an UPSE employee, and part-time UPSE employees covered prior toJune 1, 1996 . (Part-time UPSE employees covered prior toJune 1, 1996 and subsequently transfer to full-time UPSE afterJune 1, 1996 remain at $3,500).
- full-time Health Sector UPSE employees who elected a benefit of 3 X annual earnings on
Optional Life, AD&D and Optional Critical Illness Insurance
Provides additional financial security to enhance your basic coverage.
| Coverage | Optional Life | Optional AD&D | Optional Critical Illness |
| For you | $300,000 maximum
(in units of $10,000) |
$300,000 maximum
(in units of $10,000) |
$250,000 maximum (in units of $10,000) |
| For your spouse | $300,000 maximum
(in units of $10,000) |
50% of your optional AD&D coverage
(60% if you have no children) |
$250,000 maximum (in units of $10,000) |
| For your children | $10,000 per child | 15% of your optional AD&D coverage if you have a spouse
$20,000 maximum per child |
Not available |
| Proof of good health | Required for amounts above $30,000 | Not required | Required for amounts above $50,000 |
Long-Term Disability
Provides important financial security in the event that your income is interrupted by an illness or injury and you are unable to work.
| Benefits paid | 70% of your monthly earnings (indexed annually) | |
| Maximum | $6,000 per month
(limited to 85% of your pre-disability income when all sources of income are combined) |
|
| Waiting period | 4 months or when sick leave benefits with your employer expire, whichever is later | |
| Duration of benefits | Until age 62, recovery or retirement, whichever occurs first, if your date of disability is on or after January 1, 2019 | |
| Benefits taxable | Yes | |