Rollover each benefit to read more on the coverages provided
  • Life insurance
  • Prescription drug coverage
  • Dental benefits
  • Hospital
  • Vision care
  • Travel medical
  • Paramedical services

Your benefits under ONE-T will depend on whether you retired before or after June 1, 2018. Click on the plan summaries below for more information:

CAEAS- ECAB Eligibility for post-retirement benefits:

To be eligible to participate in post-retirement benefit plan:
  • An employee is or was employed as a Non-Union Employee (School Board) by a Participating Employer and retired on or prior to August 31, 2019, and at the date of retirement is or was eligible to receive retiree benefits under an enforceable provision of their terms and conditions of employment with a Participating Employer.
  • is or was a Designated Executive who ceased employment before August 13, 2021 and whose terms and conditions of employment at the time of cessation of employment contained an enforceable provision entitling them to post-retirement benefits and who is covered by Part B of a Participation Agreement for CAEAS-ECAB Participants and CAEAS-ECAB Retirees.

How your Optional Life insurance works

In addition to the Basic Life Insurance provided under ONE-T, you can purchase Optional Life insurance for yourself, your spouse and/or your child(ren). (Please refer to your Benefits Plan Design Summary for details.) If you previously had Member or Spousal Optional Life under your Board plan and purchased this coverage when we moved to the consolidated plan under ONE-T, you may have noticed a change in your premiums. This is due to the way the premiums are calculated.

Some prior school board plans were using a “blended rate” to determine the premiums for Member and Spousal Optional Life – meaning risk was spread equally across all those who purchased the coverage, and all members paid the same rate.

Your plan under ONE-T uses a rate table, meaning individual premiums will vary based on age, gender and smoking status. This is a common approach used by the vast majority of benefits plans today, to make sure individual premiums accurately reflect the level of risk being taken. As a result, you may find that your Optional Life premiums have increased or decreased. For example, if you’re a younger member and a non-smoker, you will pay a lower premium than an older member who smokes.

You can end your Optional Life insurance at any time by contacting Cowan. However, Cowan can only process the termination as of the 1st of the following month; it can’t be done retroactively. For example, if it is November 15, 2021, and you contact Cowan on that date, then they will ensure the termination of your Optional Life insurance is processed for December 1, 2021.

If you have further questions on any of the optional benefits available to you, please refer to the fact sheets on the Resources page.

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