Principals/Vice-Principals (P/VP)

Plan summary

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

Overall benefits planCoverage 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
BenefitCoverage 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.

ONE-T also supports mental health and well-being

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