Common use of Insurance Plans Clause in Contracts

Insurance Plans. 6.01 The Board is not the insurer of benefits. All insured benefits shall be as described in the insurance company=s brochures which shall be distributed to all Teachers. All benefits shall be subject to the rules, regulations, descriptions, and limitations as set out in the master contracts held by the Board, copies of which shall be provided to the branch affiliate upon the signing of the current collective agreement. In any dispute, such master contracts shall prove binding on all parties. (a) The Board shall provide the Teacher with a Life Insurance benefit equal to two times the Teacher’s gross basic annual salary. The benefits shall be rounded to the next higher $1,000.00. The maximum basic Group Life Insurance benefit, which shall be provided to any one Teacher, shall not exceed $100,000.00. The Board shall contribute 100% of the premium cost. (b) An Accidental Death and Dismemberment benefit in the same amount as described in 6.02(a) shall be provided for Teachers. Such benefits shall be subject to the same underwriting rules and regulations as stipulated in 6.01. (c) In addition to 6.02(a) and (b) above, the Teacher shall also be allowed to purchase at his/her own expense a Voluntary Group Life Insurance benefit and an Accidental Death and Dismemberment benefit up to $150,000.00. The benefit shall also be rounded to the next higher $1,000.00 and shall be limited to a maximum benefit of $150,000.00 for any one Teacher. 6.03 Teachers shall be provided with an extended health benefit plan and the Board shall contribute 100% of the premium cost. The Extended Health Care plan shall include the following benefits: (i) The difference between xxxx and private hospital room coverage. (ii) Prescription drug benefit subject to a $1.00 deductible per prescription (iii) Optical expense benefits for the insured Teacher and the insured Teacher=s dependents subject to a two-hundred ($200.00) maximum benefit every two years. Hearing aid benefit subject to a five hundred ($500.00) maximum benefit every five

Insurance Plans. 6.01 The Board is not the insurer of benefits. All insured benefits shall be as described in the insurance company=s ’s brochures which shall be distributed to all Teachers. All benefits shall be subject to the rules, regulations, descriptions, and limitations as set out in the master contracts held by the Board, copies of which shall be provided to the branch affiliate affiliates upon the signing of the current collective agreement. In any dispute, such master contracts shall prove binding on all parties. (a) The Board shall provide the Teacher with a Life Insurance benefit equal to two times the Teacher’s employee's gross basic annual salaryearnings. The benefits shall be rounded to the next higher $1,000.00. The maximum basic Group Life Insurance benefit, benefit which shall be provided to any one Teacher, Teacher shall not exceed $100,000.00. The Board shall contribute 100% of the premium cost. (b) The Teacher shall also be allowed to purchase at his/her own expense a Voluntary Group Life Insurance benefit equal to one times the Teacher's basic annual earnings. The benefit shall also be rounded to the next higher $1,000.00 and shall be limited to a maximum benefit of $75,000.00 for any one Teacher. (c) An Accidental Death and Dismemberment benefit in the same amount as described in 6.02(a) shall be provided for Teachers. Such benefits benefit shall be subject to the same underwriting rules and regulations as stipulated in 6.01. (c) In addition to 6.02(a) and (b) above, the Teacher shall also be allowed to purchase at his/her own expense a Voluntary Group Life Insurance benefit and an Accidental Death and Dismemberment benefit up to $150,000.00. The benefit shall also be rounded to the next higher $1,000.00 and shall be limited to a maximum benefit of $150,000.00 75,000.00 for any one Teacher. The Board shall pay 100% of the premiums. 6.03 Teachers shall be provided with an extended health benefit plan and the Board shall contribute 100% of the premium cost. The Extended Health Care plan shall include the following benefits: (i) The difference between xxxx and private hospital room coverage. (ii) Prescription drug benefit subject to a $1.00 deductible per prescription. (iii) Optical Commencing September 1, 1998 optical expense benefits for the insured Teacher and the insured Teacher=s ’s dependents subject to a two-hundred ($200.00) maximum benefit every two years. Hearing aid benefit subject to a five hundred ($500.00) maximum benefit every fivefive (5) years. (iv) A major medical benefit. (v) The hospital benefit, optical, and hearing aid benefit, and the major medical benefit are not subject to any deductibles. 6.04 The Board shall pay, on behalf of the Teacher, 100% of the premium costs for a dental plan which reimburses payments for eligible dental services. Dental check-ups will be available every six months. Payments shall be in accordance with the Ontario Dental Association’s published schedule of fees for the previous year as such may be amended by the insurer throughout the life of this agreement. The master policy may not be amended without the consent of the Association. The plan will be no less than the current program in place for the Teachers of Sault Ste. Xxxxx. 6.05 The Board shall provide for orthodontic care for the Teacher and the Teacher’s eligible dependents under the aforesaid policy. Such orthodontic care shall entitle the teacher to a 60% reimbursement of total costs incurred by a Teacher and eligible dependents as defined by the insurer to a maximum of two thousand ($2,000.00) dollars per person for the lifetime of each eligible Teacher or his or her dependent. Reimbursement to the Teacher hereunder shall be in accordance with the Ontario Dental Association’s published schedule of fees for the previous year or such schedule as accepted by the insurer from time to time throughout the life of this agreement. (a) Teachers covered by this agreement shall be provided with a Long Term Disability Benefit Plan providing 75% of monthly earnings after thirteen weeks of disability. The Board shall pay 100% of the required premiums. Superannuation deductions shall continue to be made from disability payments. Where a Teacher may be absent for thirteen weeks for the same continuing disability, the Teacher shall apply for LTD benefits. No illness or injury arising out of and in the course of employment , as defined in the Workplace Safety and Insurance Act, and which is covered, or was, at one time, covered by, WSIB benefits, shall be the subject of an LTD application. Teachers who may be absent from duties for a period in excess of thirteen weeks are expected to take responsibility for the completion of forms related to the application to receive LTD benefits. (b) Employees suffering from illness or disability for a long duration and whose accumulated sick leave have expired shall be paid 75% of their weekly earnings to the maximum payable under Employment Insurance per week until they become eligible for LTD benefits under this clause, or until the end of the 15th week of illness. 6.07 The Board has the authority to tender and to select the carriers with the understanding that the coverage shall not be less than those outlined above. 6.08 Notwithstanding any other provisions of this collective agreement, the Board shall not be required to pay any contribution toward premiums as provided by this Article on behalf of a Teacher who is absent from work due to illness or disability after he or she has been receiving LTD benefits for twenty-four(24) months. Notwithstanding the above, the LTD plan will include as a benefit that the premium for life insurance be waived. A Teacher for whom the Board is no longer required to contribute toward the premium for benefits as specified above, may continue to participate in said benefits, up to age sixty-five (65), subject to the terms and conditions of the respective carriers of such plans including continuing eligibility, and provided the Teacher pays to the Board the full cost of the premium or premiums by the 15th day of each month. 6.09 The Board shall provide full payment of premiums for benefits for part time Teachers who are working a minimum of a `half-time’ position or more. 6.10 The above benefit plans are subject to approval by both the Board and OECTA based on the recommendations of a working committee. It is understood that the above medical, dental and drug benefits will be based on the contract between the Board and Canada Life for the former Sault Ste. Xxxxx X.X.X.X. Board jurisdiction, and shall not be less than the benefits provided for in that plan. It is understood that the above items that represent additions of any kind to the Sault Ste. Xxxxx plan have been added based on costing calculations based on that plan and that, when agreeing to the terms of the final plan that will cover Teachers for the Huron-Superior Board for duration of the 1998-2000 collective agreement, the working committee will be required to cost any potential additions of any kind to the plan against the costing calculations agreed to during negotiations.

Insurance Plans. 6.01 The Board is not the insurer of benefits. All insured benefits shall be as described in the insurance company=s ’s brochures which shall be distributed to all Teachers. All benefits shall be subject to the rules, regulations, descriptions, and limitations as set out in the master contracts held by the Board, copies of which shall be provided to the branch affiliate upon the signing of the current collective agreement. In any dispute, such master contracts shall prove binding on all parties. (a) The Board shall provide the Teacher with a Life Insurance benefit equal to two times the Teacher’s 's gross basic annual salaryearnings. The benefits shall be rounded to the next higher $1,000.00. The maximum basic Group Life Insurance benefit, benefit which shall be provided to any one Teacher, Teacher shall not exceed $100,000.00. The Board shall contribute 100% of the premium cost. (b) An Accidental Death and Dismemberment benefit in the same amount as described in 6.02(ain (a) shall be provided for Teachers. Such benefits benefit shall be subject to the same underwriting rules and regulations as stipulated in 6.01. (c) In addition to 6.02(a) and (b) above, the The Teacher shall also be allowed to purchase at his/her own expense a Voluntary Group Life Insurance benefit and an Accidental Death and Dismemberment benefit up equal to $150,000.00one times the Teacher's basic annual earnings. The benefit shall also be rounded to the next higher $1,000.00 and shall be limited to a maximum benefit of $150,000.00 75,000.00 for any one Teacher. 6.03 Teachers shall be provided with an extended health benefit plan and the Board shall contribute 100% of the premium cost. The Extended Health Care plan shall include the following benefits: (i) The difference between xxxx and private hospital room coverage. (ii) Prescription drug benefit subject to a $1.00 deductible per prescription. (iii) Optical expense benefits for the insured Teacher and the insured Teacher=s ’s dependents subject to a two-hundred ($200.00) maximum benefit every two years. Hearing aid benefit subject to a five hundred ($500.00) maximum benefit every fivefive (5) years. (iv) A major medical benefit. (v) The hospital benefit, optical, and hearing aid benefit, and the major medical benefit are not subject to any deductibles. 6.04 The Board shall pay, on behalf of the Teacher, 100% of the premium costs for a dental plan which reimburses payments for eligible dental services. Dental check-ups will be available every six months. Payments shall be in accordance with the Ontario Dental Association’s published schedule of fees for the previous year as such may be amended by the insurer throughout the life of this agreement. The master policy may not be amended without the consent of the Association. 6.05 The Board shall provide for orthodontic care for the Teacher and the Teacher’s eligible dependents under the aforesaid policy. Such orthodontic care shall entitle the teacher to a 60% reimbursement of total costs incurred by a Teacher and eligible dependents as defined by the insurer to a maximum of two thousand ($2,000.00) dollars per person for the lifetime of each eligible Teacher or his or her dependent. Reimbursement to the Teacher hereunder shall be in accordance with the Ontario Dental Association’s published schedule of fees for the previous year or such schedule as accepted by the insurer from time to time throughout the life of this agreement. (a) Teachers covered by this agreement shall be provided with a Long-Term Disability Benefit Plan providing 75% of monthly earnings after thirteen weeks of disability. The Board shall pay 100% of the required premiums. Teachers’ Pension Plan deductions shall continue to be made from disability payments. Where a Teacher may be absent for thirteen weeks for the same continuing disability, the Teacher shall apply for LTD benefits. No illness or injury arising out of and in the course of employment, as defined in the Workplace Safety and Insurance Act, and which is, or was at one time, covered by WSIB benefits, shall be the subject of an LTD application. Teachers who may be absent from duties for a period in excess of thirteen weeks are expected to take responsibility for the completion of forms related to the application to receive LTD benefits. (b) Teachers suffering from illness or disability for a long duration and whose accumulated sick leave has expired shall be paid 75% of their weekly earnings to the maximum payable under Employment Insurance per week until they become eligible for LTD benefits under this clause, or until the end of the 15th week of illness. 6.07 The Board has the authority to tender and to select the carriers with the understanding that the coverage shall not be less than those outlined above. 6.08 Notwithstanding any other provisions of this collective agreement, the Board shall not be required to pay any contribution toward premiums as provided by this Article on behalf of a Teacher who is absent from work due to illness or disability after he or she has been receiving LTD benefits for twenty-four(24) months. Notwithstanding the above, the LTD plan will include as a benefit that the premium for life insurance be waived. A Teacher for whom the Board is no longer required to contribute toward the premium for benefits as specified above, may continue to participate in said benefits, up to age sixty-five (65), subject to the terms and conditions of the respective carriers of such plans, including continuing eligibility, and provided the Teacher pays to the Board the full cost of the premium or premiums by the 1st day of each month, by way of direct/authorized debit. The surviving spouse and/or dependent of a deceased teacher, including a retired teacher, shall be entitled to continue coverage, as the case may be, in the Board’s group insurance plans for a period not exceeding the date at which the teacher would have been 65 years of age. (a) The Board shall provide full payment of premiums for benefits for part-time Teachers who are working a minimum of a "half-time" position or more when the request is made by the Board. (b) The teacher shall pay the premiums for benefits, on a pro-rated basis, when the request for less than full-time status is made by the Teacher. (c) The Board may pay full payment of premiums for benefits for part-time Teachers, when the request for less than full-time status is made by the Teacher due to exceptional circumstances. (d) The Board shall continue to provide full payment of premiums for benefits for any part-time Teachers who are presently working a minimum of a "half-time" position or more and whose full benefits are presently paid by the Board. 6.10 It is understood that the above medical, dental and drug benefits shall be in accordance with the master policy and shall not be less than presently provided and outlined above.