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Calgary Firefighters (IAFF 255) benefits

Benefit premiums - 2016 bi-weekly rates

International Association of Fire Fighters (IAFF)

Plan

Single rate

Family rate

Extended Health Care (EHC)* including vision & travel

shared 30% employee, 70% City.

Employee
$15.35
City
$35.82
Employee
$35.57
City
$82.99
Dental

shared 20% employee, 80% City

Employee
$4.99
City
$19.97
Employee
$13.14
City
$52.54
Basic group
 life insurance
City pays 2X annual salary at $.037 per $1,000; employee pays optional 1X annual salary at $.037 per $1,000
Optional life Employee paid, per table rate 
Short-term disability
 (S&A)
City paid through payroll
Long-term disability
 (LTD)
Employee paid at 0.60% of base salary, service pay and statutory pay

* The EHC rates also include an increment for employment insurance (EI) rebate, which is used to reduce an employee's cost by $1.45 for single coverage or $3.37 for family coverage.

IAFF benefit summary

Plan

Coverage

Extended Health Plan

For more information on the "usual and customary fee limits", contact Alberta Blue Cross at 1-800-661-6995

Prescription drugs
Dispensing Fee Changes

100% coverage with $5 dispensing fee cap- least cost alternative drugs -pay direct card; vaccines covered to $250 per person per year; smoking cessation drugs covered to $200 per person per lifetime

Hospital

100% private or semi-private room

Health services

100% on medical supplies and services with some limits on specific services

Paramedical services 

usual and customary fee limit per visit to a $500 maximum per year/per person/per practitioner for: Acupuncture, Chiropractic, Massage Therapy, Naturopathy, Osteopathy, Podiatry/Chiropody, Speech Language Therapy

Physiotherapy

usual and customary fee limit per visit to a $1,000 maximum per year/per person

Psychologist/master social work

usual and customary fee limit per visit to a $1,000 annual maximum per person; limited to 1 visit per day except for assessment

Vision

$400 every 24 months per person for prescription eyeglasses or sunglasses, contact lens & intraocular lens and laser eye surgery

Out of province/country emergency medical travel plan

100% coverage for the first 90 days, $5 million maximum per incident

Annual maximum

$2 million per person for all of above services

Insurance carrier

Alberta Blue Cross (ABC) 
Dental Plan

Basic services

100% coverage, subject to Usual & Customary Fee Guide with some limits on specific services

Extensive services

 

80% coverage for crowns, dentures and some periodontal services

Annual maximum

$1,750 basic and extensive combined per participant

Orthodontia (child only)

50% coverage with lifetime max
$2,500 per dependent ages 7 to 19

Fee Guide 

Current usual & customary - updated annually

Preauthorization amount

$800

Insurance carrier

Alberta Blue Cross (ABC) 
Life Insurance Plan

Basic

2 x base pay to a maximum of $600,000

P 921 - Basic - Change of Beneficiary form

Supplemental

Additional 1x base pay available at hire only; combined with basic life maximum; 100% employee paid

Employee and spouse optional life

Employee coverage available in $10,000 units to a maximum of 4x pay or $600,000; Spouse coverage in $10,000 units to a $200,000 maximum; completion of medical questionnaire required; 100% employee paid based on age, gender and smoking status.

Insurance carrier

Sun Life Financial 
Short Term Disability (S&A) Plan
Benefit 90% base pay to 119 days
Attending Physician Statement (APS) X427 Required for more than 4 consecutive working days of absence for those on platoon schedule;  required for more than 5 consecutive working days of absence for all others; APS faxed directly by employee or physician to Homewood Health at 1-866-460-4645;100% reimbursement of cost for APS through Extended Healthcare Plan.
Claims manager Homewood Health
Long Term Disability (LTD) Plan

Benefit

67% of the first $2,250 monthly earnings + 55% of the next $7,500 monthly earnings + 50% of the balance to $15,000 maximum benefit

Earnings definition

Basic Schedule 1 wages and salaries including statutory holiday pay (statutory holiday pay under Article 12.02 is excluded), and service pay, that is due annually, based on the classification or position in effect on the date the disability occurred.

Elimination period

119 calendar days of uninterrupted disability

Insurance carrier

Sun Life Financial 
For more information contact HR Service Centre, Pensions & Benefits at 403-268-5800 (Option 1).

Eligibility provisions

Employee
  • an employee is eligible upon date of hire
  • all employees eligible for coverage under this plan must complete the application forms within 30 days of hire
  • benefit coverage commences on the first day of hire.
  • coverage ends when you:
    • terminate employment
    • retire
    • attain age 60 for long term disability
    • attain age 70 for optional group life
    • attain age 70 for out of province/country emergency travel plan
Dependent eligibility (extended health & dental and optional life only)
  • spouse – the person to whom the employee is legally married or a partner who has cohabited with the employee for a minimum of 12 consecutive months and represented as the employee's spouse or domestic partner.
  • children - unmarried and financially dependent:
    • biological, adopted, or legal ward, less than 21 years of age
    • step or common-law less than 21 years of age who reside with the employee for a minimum of 12 consecutive months
    • less than 25 years of age who are in full time attendance at an accredited post secondary institution
    • dependent because of a physical or mental infirmity that commenced prior to age 21
  • benefit coverage for eligible dependents will begin on the same date as the employee's coverage. Should an eligible dependent be added later, dependent benefits will commence on the date of notification.
  • only one spouse or partner may be covered at a time. If the employee terminates coverage for their current spouse, a new spouse may be added effective the date of marriage or after the employee has lived with a new partner for a minimum of 12 consecutive months.
  • if a dependent is deleted from coverage, a life event (i.e. marriage, involuntary loss of spouse's benefits coverage, attendance full-time at post secondary institution) is required to add dependent back on coverage or employee must wait one year to add an eligible dependant back on coverage.
  • upon the death of an employee, Extended Health & Dental coverage may continue for a surviving spouse and dependents for up to one year at no cost. The spouse and dependents must have been previously covered on the plans.
Conversion option
  • upon termination or retirement, an employee may convert their basic or optional Life Insurance coverage up to a maximum of $400,000 combined, to an individual policy by contacting Sun Life at 1-877-893-9893 or go to Sun Life Financial. Application must be made within 31 days of termination.
  • optional spouse life may also be converted to an individual policy up to a maximum of $200,000.
The benefits information on this web site summarizes the important features of the group plans for IAFF 255 members. It is prepared as information only and does not constitute an Agreement.  The exact terms and conditions of the group benefits program are described in the Group Benefits Contracts held by The City of Calgary.