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Overview

To participate in the PSGIP, you must reside in Canada and be an eligible Civil Service or Health PEI employee as described below.

Civil Service Employees Health PEI Employees

Class 1

  • Permanent full-time employees
  • Permanent part-time employees (including provisional and probationary employees) with a guarantee of at least 40% of the normal working hours for at least 6 months
  • Contract employees for whom benefit eligibility is specified in the employment contract

You are part of Health PEI if you belong to any of the following groups:

  • Prince Edward Island Nurses Union (PEINU)
  • International Union of Operating Engineers (IUOE)
  • Canadian Union of Public Employees (CUPE)
  • Prince Edward Island Union of Public Sector Employees (UPSE)
  • Excluded employees/physicians
  • Non-union, non-excluded employees

You may join the PSGIP if you are:

  • a permanent full-time employee working at least 30 hours per week,
  • a permanent part-time employee who has completed the probationary period and is working less than the fully prescribed hours of work on a recurring and regularly scheduled basis,
  • a temporary UPSE, IUOE, PEINU or excluded employee hired for 12 months or more.

Note: If you are a casual UPSE employee and you had coverage before August 1, 1995, you may continue your coverage in effect on August 1, 1995. However, you are not eligible for any additional benefits.

Class 2

  • Permanent part-time employees (including provisional and probationary employees) with a guarantee of less than 40% of the normal working hours

Class 4

Your spouse and children are also eligible for coverage provided they meet the official definitions of spouse and children.

Restriction for Family Members for Optional AD&D

No eligible individual may be covered more than once under the optional AD&D insurance policy. In other words, if you are covered as an employee or retiree, you cannot be covered as a spouse or dependent child of another employee or retiree who is also covered under the plan. In addition, only one spouse can choose coverage for dependent children. Your spouse and eligible children can only be insured if you are covered under the plan.

When Coverage Begins

All coverage for you and your dependents will normally begin as soon as you are eligible, provided you enrol within 31 days (90 days for health, dental and Basic Dependent Life) following the applicable eligibility date listed below.

If you are a late applicant (i.e. you don’t enrol within 31 days (90 days for health, dental and Basic Dependent Life) following your eligibility date), your coverage will come into effect on the first of the month after Johnson Inc. receives your application, or when the insurer approves your proof of good health (if required).

If you are not actively at work when your coverage is to begin, your coverage will only start when you return to active work with regular earnings.

Health, Travel and Dental Long-Term
Disability
 Basic Life and
AD&D
 Optional Life AD&D* and Optional Critical Illness**
Civil Service - Class 1 First day of employment First day of employment First day of employment First day of employment
Civil Service - Class 2 First day of employment Not eligible Not eligible After 6 months of continuous employment
Civil Service - Class 4
(temporary)
  • working at least 40% of the normal weekly working hours
 After 6 months of continuous employment After 12 months of continuous employment After 12 months of continuous employment After 12 months of continuous employment
  • working less than 40% of the normal weekly working hours
 After 6 months of continuous employment Not eligible Not eligible After 6 months of continuous employment
Health PEI First day of the month following 1 month of continuous employment First day of the month following 1 month of continuous employment First day of the month following 1 month of continuous employment First day of the month following 1 month of continuous employment
  • For optional life insurance, if you apply for coverage within 31 days following your eligibility date, a portion of the coverage (up to $30,000 for yourself and spouse and $10,000 for each child) will come into effect on the date Johnson Inc. receives your application. The difference, if any, will take effect once the insurer approves your proof of good health.
    If you apply for any optional AD&D insurance, coverage will come into effect on the first of the month after Johnson Inc. receives your application.
    ** For optional critical illness insurance, if you apply for coverage within 31 days following your eligibility date, a portion of the coverage (up to $50,000 for yourself and spouse) will come into effect on the date Johnson Inc. receives your application. The difference, if any, will take effect once the insurer approves your proof of good health.

When Coverage Ends

Coverage ends for you and your dependents as follows:

Health, travel and dental

When you leave your employment* or retire*, whichever is earliest. If you had coverage as an active employee, you are eligible to join the Retiree plan at retirement.

Long-term disability

Age 62 less the qualifying period*, or when you leave your employment* or retire*, whichever is earliest.

Basic life for you

When you leave your employment* or retire*, whichever occurs first. When your coverage ends, you have 31 days to convert your coverage to an individual policy if you wish to do so.

Basic life for your dependents and Basic AD&D insurance

For Civil Service, when you leave your employment or retire, whichever occurs first. When your coverage ends, you have 31 days to convert your coverage to an individual policy if you wish to do so.

Basic life for your dependents for Health PEI, age 65*, or when you leave your employment* or retire*, whichever occurs first. Basic AD&D for Health PEI, age 80*, or when you leave your employment* or retire*, whichever occurs first. When your Life and AD&D coverage ends, you have 31 days to convert that coverage to an individual policy if you wish to do so. Life insurance conversion applies to all or part of the life insurance where the person under this policy terminates on or before their 65th birthday.

Optional life and AD&D insurance

Age 65*, or when you leave your employment* or retire*, whichever occurs first. When your coverage ends, you have 31 days to convert your coverage to an individual policy if you wish to do so.

Optional critical illness insurance

Age 65*, or when you leave your employment* or retire*, whichever occurs first.

Coverage can also end for the following reasons:

When your coverage ends

The earliest of:

  • the date* you no longer satisfy the definition of an eligible employee,
  • the date* you request termination of coverage (not applicable to basic life and AD&D and long-term disability coverage),
  • the date* your employer terminates your coverage,
  • the date this plan terminates or coverage for the group, division or class to which you belong is terminated,
  • the date you become a full-time member of the armed forces (not applicable to AD&D coverage),
  • the date you no longer pay the premium for your coverage, where applicable,
  • for contract employees only, the date your contract terminates,
  • your death (except for health, dental and travel for your dependents).

When your dependents’ coverage ends

The earliest of:

  • the date your coverage ends,
  • the date this plan terminates,
  • the date you ask to end dependent coverage,
  • the date the dependent no longer satisfies the definition of dependent,
  • dependent coverage is terminated under the policies,
  • the date you no longer pay the premium for your dependent coverage.
  • For Health PEI employees, the last day of the month following the date on which you are no longer an insurable employee.