Plan summary

Principals/Vice-Principals (P/VP)

Plan summary

The following provides a high-level overview of the benefits plan for active members.

Overall benefits plan	Coverage details
Funding	Health, Dental, Basic Life and Accidental Death & Dismemberment (AD&D) insurance premiums are paid by the plan sponsor. For those on LTD, after 24 months of disability, you pay 100% of the premiums Optional benefits are fully member-paid (or subject to any applicable personal service contracts) Additional member cost share for part-time members (FTE under 1)
Eligibility	You are eligible for the P/VP plan on the day your employment begins, provided you are a resident of Canada and you are a permanent full-time employee Part-time employees are also eligible to join the plan Those eligible are covered for Health, Dental, Basic Life and AD&D. You may opt out of health and/or dental coverage if you are already covered for these benefits under your spouse's plan
Lifetime Maximum	Unlimited, unless otherwise stated
Reimbursement	100%, unless otherwise stated (subject to reasonable and customary limits)
Health Care Spending Account (HCSA)	An amount of $200 is provided and must be used in this benefit year (2024/25). Any unused credits remaining at the end of this period will not be carried forward

Benefit	Coverage details
Life Insurance
Basic Life (member only)	2x annual salary, up to $500,000 maximum 50% reduction at age 65 Ends at retirement
Member Optional Life	Member-paid, based on gender, age and smoking status Up to $400,000, in units of $10,000 Coverage ends at member’s retirement or when spouse turns age 65, whichever comes first
Spousal Optional Life	Member paid, based on gender, age and smoking status Up to $400,000 in units of $10,000 Coverage ends at member's retirement or when spouse turns age 65, whichever comes first
Child Optional Life	Member-paid Up to $25,000, in units of $5,000
Accident (AD&D) Insurance
Basic AD&D (member only)	2x salary, up to $500,000 50% reduction at age 65 Ends at retirement or age 70 (whichever is earlier)
Member Optional AD&D	Member-paid, based on gender and age Up to $400,000, in units of $10,000 Ends at retirement or age 70 (whichever is earlier)
Spousal Optional AD&D	Member-paid, based on gender and age Up to $400,000, in units of $10,000 Ends at member’s retirement, or when member or spouse turns age 70 (whichever is earlier)
Prescription Drugs
Prescription formulary	100% coverage of eligible drugs $2 per prescription deductible Drugs legally requiring a prescription, diabetic supplies, preventative vaccines May be subject to Prior Authorization Pay-direct drug card available Lowest cost alternative limitation $8 maximum dispensing fee Limit of 5 dispensing fees paid by the plan per maintenance medication per year (note, this limit does not apply to drugs purchased in Quebec) $18,000 lifetime maximum for fertility drugs (except as may be provided by law, such as in Quebec) $500 maximum each benefit year for erectile dysfunction drugs
Vision Care
Glasses, contacts and laser eye surgery	$500 per 24 months
Eye exam	$100 per 24 months
Paramedical Services
Mental Health Services: Psychologist/Social worker/ Marriage & Family therapist/ Psychotherapist	90% coinsurance to a maximum of $1,300/benefit year for eligible mental health services
Acupuncture Chiropodist/Podiatrist Naturopath Dietician Chiropractor Osteopath Registered massage therapist Speech therapist/Speech language pathologist	90% coinsurance to a maximum of $1,300/benefit year combined for all practitioners
Physiotherapist/ Athletic therapist/ Occupational therapist	90% coinsurance to a maximum of $1,300/benefit year combined
Medical Services and Supplies
Orthopedic shoes	One pair and a maximum of $500 per benefit year for custom-fitted shoes One pair and a maximum of $500 per benefit year for stock-item shoes
Orthotics	$500 / benefit year Standard CLHIA adjudication Prescription from a medical professional required
Hearing aids	$2,000 per 60 months
Ambulance	Transport to nearest facility Includes air ambulance
Custom-made compression hose	Two pairs every 12 rolling months to a maximum of $250
Wigs for cancer patients	$1,000 lifetime
Private duty nursing (nursing care)	$50,000/benefit year
Semi-private hospital	Covered (the Trust will pay the difference between semi-private and ward accommodation)
Emergency Travel Medical
Global Medical Assistance and Out-of-Country Emergency Care	100% coverage Up to 60 days/trip $5 million lifetime maximum
Dental
Fee Guide	Current fee guide for province of treatment
Basic Services	90% of checkups, x-rays, fillings, etc. No annual maximum Recall exam once every nine months Full exams and x-rays once every 24 months Ten units of basic/periodontal scaling (combined) per rolling 12 months
Periodontics/Endodontics	100% coverage of root canals and related services 100% coverage of scaling, root planing, gum treatments, etc.
Major Restorative Services	60% coverage of crowns, bridges, inlays, onlays, dentures, implants (subject to Alternate Treatment clause) $2,000 maximum/benefit year
Orthodontics	50% coverage for adults and children $3,600 lifetime maximum

Notes:

The benefit year starts September 1 and ends on August 31, except where otherwise indicated.
Provincial coverage will be first payer where applicable.

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