Eligibility

You are eligible to participate if you are an employee who works at least halftime (0.5 FTE) and who is a member of ASPA and actively employed as

• a permanent or seasonal employee, or
• a permanent or seasonal employee who is temporarily occupying a term position, or
• a term employee – eligibility is based on the term of appointment greater than or equal to six months

The benefit you are eligible for are based on the length of your current appointment. Term length is not cumulative. You must reside in Canada and be eligible under your provincial health care program. Your dependents must also be eligible under your provincial health care program in order to access your benefits.

Employee

	6 months	>6 months and <1 years	1 year or greater or permanent /seasonal
Health/Drug (Extended Health Plan)
Dental
Pension
Basic Life Insurance
Disability
Flexible Spending
Optional Life Insurance
Optional Accidental Death & Dismemberment (AD&D) Insurance

 NOTE: Appointments less than 6 months may become eligible for part-time benefits after a qualifying period.

Eligible dependents

Your dependents are eligible for coverage under your Health/Drug and Dental plans and for the Health Spending Account (HSA) but not the Personal Spending Account (PSA) within the Flexible Spending Program. Only your spouse is eligible for Optional Life and Optional AD&D Insurance. Learn who your eligible dependents include.

Effective Date of Coverage

• Dental plan and Basic Life Insurance - there is a three month waiting period of continuous employment that you must complete before you are eligible for the Dental plan and Basic Life insurance.
• Health/Drug - coverage for eligible employees will take effect as of the date of employment. If you are absent from work on the day your coverage would otherwise have taken effect, your coverage will begin on the date you return to work
• Flexible Spending Program - coverage will take effect on the date when an eligible member is enrolled in the Extended Health Benefits Program. Annual credit amounts are not pro-rated and members receive the full credit amount on the effective date of coverage.
• Optional Life - no waiting period and becomes effective on the date approved by the insurance company.
• Optional AD&D Insurance - no waiting period and becomes effective on the date you apply.

Coverage for dependents will become effective on the date your coverage becomes effective or on the date you first acquire a dependent, whichever is later and spouse optional life coverage becomes effective on the date approved by the insurance company.

Benefit plan details

For details about each benefit, refer to the benefit plan summaries.

Eligibility

You are eligible for benefits if you are an employee that works at least half time (0.5 FTE). The benefits you are eligible for are dependent on the length of your current appointment. Term length is not cumulative and eligibility is dependent on each individual appointment. You must reside in Canada and be eligible under your provincial health care program. Your dependents must also be eligible under your provincial health care program in order to access your benefits.

	6 months	>6 months and <2 years	2 years or greater or permanent / seasonal
Health/Drug (Extended Health Plan)
Dental
Pension
Basic Life Insurance
Disability
Flexible Spending
Optional Life Insurance
Optional Accidental Death & Dismemberment Insurance

 NOTE: Appointments less than 6 months may become eligible for part-time benefits after a qualifying period.

Eligible dependents

Your dependents are eligible for coverage under your Health/Drug and Dental plans and for the Health Spending Account (HSA) but not the Personal Spending Account (PSA) within the Flexible Spending Program. Only your spouse is eligible for Optional Life and Optional AD&D Insurance. Learn who your eligible dependents include.

Effective Date of Coverage

• Health/Drug – coverage will begin on your first day at work.
• Dental plan – coverage will begin after a three month waiting period of continuous employment.
• Basic Life Insurance  – coverage will begin after a three month waiting period of continuous employment.
• Disability – coverage for both short and long term disability begins when you become an eligible member. You must be actively working or on an approved leave of absence. If, due to disease or injury, you are not actively working on this date, the effective date of membership shall be the date you begin actively working.
• Flexible Spending – coverage will begin on the date you are enrolled in the Health/Drug Plan. Annual credit amounts are not pro-rated and members receive the full credit amount on the effective date of coverage.
• Optional Life – becomes effective on the date approved by the insurance company.
• Optional AD&D Insurance – becomes effective on the date you apply.

Coverage for dependents will become effective on the date your coverage becomes effective or on the date you first acquire a dependent, whichever is later and spouse optional life coverage becomes effective on the date approved by the insurance company.

Benefit plan details

For details about each benefit, refer to the benefit plan summaries.

Eligibility

You are eligible for benefits if you are a member of CUPE 3287, unless you are a member of another university benefit plan. Members must be a resident of Canada and eligible for provincial health care benefits. You must reside in Canada and be eligible under your provincial health care program. Your dependents must also be eligible under your provincial health care program in order to access your benefits.

Benefits	Employee Coverage	Dependents	Coverage
Formulary Drug Coverage			100% of Formulary Drugs $2,000 per person per calendar year
Dental			100% of Basic Dental Coverage $2,000 per calendar year
Basic Life Insurance			$30,000
Business Travel Insurance			$100,000

Eligible dependents

Your dependents are eligible for Formulary Drug Coverage. Learn who your eligible dependents include.

Benefit plan details

For details about each benefit, refer to your benefit plan summary.

Effective Date of Coverage

There are no waiting periods for any benefits.

Annual Maximums

Annual maximums apply to Drug and Dental coverage regardless of number of terms/classes taught in a one plan year.

Eligibility

You are eligible for benefits if you are an employee that works at least half time (0.5 FTE). The benefits you are eligible for are based on the length of your current appointment.

Term length is not cumulative and eligibility is dependent on each individual appointment. You must reside in Canada and be eligible under your provincial health care program. Your dependents must also be eligible under your provincial health care program in order to access your benefits.

Employee

	6 months	>6 months and <2 years	2 years or greater or permanent
Health/Drug (Extended Health Plan)
Dental
Pension
Basic Life Insurance
Disability
Flexible Spending
Optional Life Insurance
Optional Accidental Death & Dismemberment (AD&D) Insurance

Dependents

Your dependents are eligible for coverage under your Health/Drug and Dental plans. They are also eligible for the Health Spending Account (HSA) and the Tuition Spending Account (TSA) but not the Personal Spending Account (PSA) within the Flexible Spending Program. Only your spouse is eligible for Optional Life and Optional AD&D Insurance. Learn who your eligible dependents include.

Effective Date of Coverage

• Health/Drug - coverage will begin on your first day at work.
• Dental plan -  coverage will begin after a three month waiting period of continuous employment. 
• Basic Life Insurance - coverage will begin after a three month waiting period of continuous employment. 
• Disability - coverage for both short and long term disability begins when you become an eligible member. You must be actively working or on an approved leave of absence. If, due to disease or injury, you are not actively working on this date, the effective date of membership shall be the date you begin actively working.
• Flexible Spending - coverage will begin on the date you are enrolled in the Health/Drug Plan. Annual credit amounts are not pro-rated and members receive the full credit amount on the effective date of coverage.
• Optional Life - becomes effective on the date approved by the insurance company.
• Optional AD&D Insurance - becomes effective on the date you apply.

Coverage for dependents will become effective on the date your coverage becomes effective or on the date you first acquire a dependent, whichever is later and spouse optional life coverage becomes effective on the date approved by the insurance company.

Benefit plan details

For details about each benefit, refer to the benefit plan summaries.

Eligibility

You are eligible for benefits if you are an employee that works at least half time (0.5 FTE). The benefits you are eligible for are based on the length of your current appointment. Term length is not cumulative and eligibility is dependent on each individual appointment. You must reside in Canada and be eligible under your provincial health care program. Your dependents must also be eligible under your provincial health care program in order to access your benefits.

Employee

	6 months	>6 months and <2 years	2 years or greater or permanent/seasonal
Health/Drug (Extended Health Plan)
Dental
Pension
Basic Life Insurance
Disability
Flexible Spending
Optional Life Insurance
Optional Accidental Death & Dismemberment (AD&D) Insurance

Faculty – Special Lecturers receive Health and Dental in a term greater than four months.

Dependents

Your dependents are eligible for coverage under your Health/Drug and Dental plans and for the Health Spending Account (HSA) but not the Personal Spending Account (PSA) within the Flexible Spending Program. Only your spouse is eligible for Optional Life and Optional AD&D Insurance. Learn who your eligible dependents include.

Effective Date of Coverage

• Health/Drug/Dental plans - coverage will begin on your first day at work.
• Basic Life Insurance - coverage will begin on your first day of work.
• Disability - coverage for both short and long-term disability begins when you become an eligible member. You must be actively working or on an approved leave of absence. If, due to disease or injury, you are not actively working on this date, the effective date of membership shall be the date you begin actively working.
• Flexible Spending - coverage will begin on the date you are enrolled in the Health/Drug Plan. Annual credit amounts are not pro-rated and members receive the full credit amount on the effective date of coverage.
• Optional Life - becomes effective on the date approved by the insurance company.
• Optional AD&D Insurance - becomes effective on the date you apply.

Coverage for dependents will become effective on the date your coverage becomes effective or on the date you first acquire a dependent, whichever is later and spouse optional life coverage becomes effective on the date approved by the insurance company.

Benefit plan details

For details about each benefit, refer to the benefit plan summaries.

Eligibility

You are eligible for benefits if you are an employee that works at least half time (0.5 FTE). The benefits you are eligible for are based on the length of your current appointment. Term length is not cumulative and eligibility is dependent on each individual appointment. You must reside in Canada and be eligible under your provincial health care program. Your dependents must also be eligible under your provincial health care program in order to access your benefits.

Employee and eligible dependents.

	6 months	>6 months and <2 years	2 years or greater or permanent/seasonal
Health/Drug (Extended Health Care)
Dental
Pension
Basic Life Insurance
Disability
Optional Life Insurance
Optional Accidental Death & Dismemberment (AD&D) Insurance

Faculty – Special Lecturers receive Health and Dental in a term greater than four months.

Dependents

Your dependents are eligible for coverage under your Health/Drug and Dental plans. Only your spouse is eligible for Optional Life and Optional AD&D Insurance. Learn who your eligible dependents include.

Effective Date of Coverage

• Health/Drug/Dental plans – coverage will begin on your first day at work.
• Basic Life Insurance – coverage will begin on your first day of work.
• Disability – coverage for both short and long-term disability begins when you become an eligible member. You must be actively working or on an approved leave of absence. If, due to disease or injury, you are not actively working on this date, the effective date of membership shall be the date you begin actively working.
• Optional Life – becomes effective on the date approved by the insurance company.
• Optional AD&D Insurance – becomes effective on the date you apply.

Coverage for dependents will become effective on the date your coverage becomes effective or on the date you first acquire a dependent, whichever is later and spouse optional life coverage becomes effective on the date approved by the insurance company.

Benefit plan details

For details about each benefit, refer to the benefit plan summaries.

Research Professional Staff

Eligibility

The following benefits are for eligible research professional staff. To determine which research group you are in, log into your PAWS account and select “Employee” from the left-hand side. Select “My Employment,” then “Paycheques.” In the general section at the top, to the right of your name you will see the business unit you are in.

• If business unit is RPROF, you are research professional staff and the following benefits apply to you.

You are eligible for benefits if you are an employee that works at least half time (0.5 FTE). The benefits you are eligible for are based on the length of your current appointment. Term length is not cumulative and eligibility is dependent on each individual appointment. You must reside in Canada and be eligible under your provincial health care program. Your dependents must also be eligible under your provincial health care program in order to access your benefits.

Employee and eligible dependents.

	6 months	>6 months and <2 years	2 years or greater or permanent/seasonal
Health/Drug (Extended Health Care)
Dental
Pension
Basic Life Insurance
Disability
Optional Life Insurance
Optional Accidental Death & Dismemberment (AD&D) Insurance

Dependents

Your dependents are eligible for coverage under your Health/Drug and Dental plans. Only your spouse is eligible for Optional Life and Optional AD&D Insurance. Learn who your eligible dependents include.

Effective Date of Coverage

• Health/Drug/Dental plans – coverage will begin on your first day at work.
• Basic Life Insurance – coverage will begin on your first day of work.
• Disability – coverage for both short and long-term disability begins when you become an eligible member. You must be actively working or on an approved leave of absence. If, due to disease or injury, you are not actively working on this date, the effective date of membership shall be the date you begin actively working.
• Optional Life – becomes effective on the date approved by the insurance company.
• Optional AD&D Insurance – becomes effective on the date you apply.

Coverage for dependents will become effective on the date your coverage becomes effective or on the date you first acquire a dependent, whichever is later and spouse optional life coverage becomes effective on the date approved by the insurance company.

Benefit plan details

For details about each benefit, refer to the benefit plan summaries. 

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Research Administrative, Technical and Support Staff

Eligibility

Research administration, technical and support employees are primarily funded by research grant(s) and are not engaged in faculty equivalent positions that perform academic teaching and/or research duties. For example, research assistants, research officers, research engineers, research co-ordinators, technicians, research technical assistants fall into this category.

The following benefits are for eligible research administration, technical and support staff. To determine which research group you are in, log into your PAWS account and select “Employee” from the left-hand side. Select “My Employment,” then “Paycheques.” In the general section at the top, to the right of your name you will see the business unit you are in.

• If business unit is RADMN or RSPPT, you are research administration, technical and support staff, and the following benefits apply to you.
• You are eligible for benefits if you are an employee that works at least half-time (0.5 FTE). The benefits you are eligible for are based on the length of your current appointment. Term length is not cumulative and eligibility is dependent on each individual appointment. You must reside in Canada and be eligible under your provincial health care program. 
• Your dependents must also be eligible under your provincial health care program in order to access your benefits.

	6 months	>6 months and <2 years	2 years or greater or permanent/seasonal
Health/Drug (Extended Health Plan)
Dental
Pension
Basic Life Insurance
Disability
Optional Life Insurance
Optional Accidental Death & Dismemberment (AD&D) Insurance

NOTE: Appointments less than 6 months may become eligible for part-time benefits after a qualifying period.

Dependents

Your dependents are eligible for coverage under your extended health care and dental plans. Learn who your eligible dependents include.

Effective Date of Coverage

• Health/Drug – coverage will begin on your first day at work.
• Dental plan – coverage will begin after a three-month waiting period of continuous employment.
• Basic Life Insurance – coverage will begin after a three-month waiting period of continuous employment.
• Disability – coverage for both short and long-term disability begins when you become an eligible member. You must be actively working or on an approved leave of absence. If, due to disease or injury, you are not actively working on this date, the effective date of membership shall be the date you begin actively working.
• Optional Life – becomes effective on the date approved by the insurance company.
• Optional AD&D Insurance – becomes effective on the date you apply.

Coverage for dependents will become effective on the date your coverage becomes effective or on the date you first acquire a dependent, whichever is later and spouse optional life coverage becomes effective on the date approved by the insurance company.

Benefit plan details

For details about each benefit, refer to the benefit plan summaries.

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Non-union Staff

Eligibility

The following benefits are for eligible non-union staff. 

• You are eligible for benefits if you are an employee that works at least half time (0.5 FTE). The benefits you are eligible for are based on the length of your current appointment. Term length is not cumulative and eligibility is dependent on each individual appointment. You must reside in Canada and be eligible under your provincial health care program.

	6 months	>6 months and <2 years	2 years or greater or permanent/seasonal
Health/Drug (Extended Health Plan)
Dental
Pension
Basic Life Insurance
Disability
Optional Life Insurance
Optional Accidental Death & Dismemberment (AD&D) Insurance

NOTE: Appointments less than 6 months may become eligible for part-time benefits after a qualifying period.

Dependents

Your dependents are eligible for coverage under your extended health care and dental plans. Learn who your eligible dependents include.

Effective Date of Coverage

• Health/Drug – coverage will begin on your first day at work.
• Dental plan – coverage will begin after a three-month waiting period of continuous employment.
• Basic Life Insurance – coverage will begin after a three-month waiting period of continuous employment.
• Disability – coverage for both short and long-term disability begins when you become an eligible member. You must be actively working or on an approved leave of absence. If, due to disease or injury, you are not actively working on this date, the effective date of membership shall be the date you begin actively working.
• Optional Life – becomes effective on the date approved by the insurance company.
• Optional AD&D Insurance – becomes effective on the date you apply.

Coverage for dependents will become effective on the date your coverage becomes effective or on the date you first acquire a dependent, whichever is later and spouse optional life coverage becomes effective on the date approved by the insurance company.

Benefit plan details

For details about each benefit, refer to the benefit plan summaries.

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Eligibility

A postdoctoral fellow is a person professionally conducting research after the completion of their doctoral studies. These individuals are pursuing additional research, training, and/or teaching in order to develop the skills to pursue a career in academia, research, or any other fields. 

You are eligible for benefits (if offered) if you are an employee that works at least half time (0.5 FTE). You must reside in Canada and be eligible under your provincial health care program. Your dependents must also be eligible under your provincial health care program in order to access your benefits.

	term ≥ 6 months and 0.5 FTE
Health/Drug (Extended Health Plan)
Dental
Basic Life Insurance

NOTE: If you are not actively working (on leave) on the date coverage would normally begin, then coverage will not begin until you return to active work.

Dependents

Your dependents are eligible for coverage under your extended health care and dental plans. Learn who your eligible dependents include.

Effective Date of Coverage

• Health/Drug – coverage will begin on your first day at work.
• Dental plan – coverage will begin after a three month waiting period of continuous employment.
• Basic Life Insurance – coverage will begin after a three month waiting period of continuous employment.

Coverage for dependents will become effective on the date your coverage becomes effective or on the date you first acquire a dependent, whichever is later.

Benefit plan details

For details about each benefit, refer to the benefit plan summaries.

Eligibility

The following benefits are for eligible PSAC–Research Associate staff. To determine which research group you are in, log into your PAWS account and select “Employee” from the left-hand side. Select “My Employment,” then “Paycheques.” In the general section at the top, to the right of your name you will see the business unit you are in.

You are eligible for benefits if you are an employee that works at least half time (0.5 FTE). The benefits you are eligible for are based on the length of your current appointment. Term length is not cumulative and eligibility is dependent on each individual appointment. You must reside in Canada and be eligible under your provincial health care program. Your dependents must also be eligible under your provincial health care program in order to access your benefits.

Employee and eligible dependents.

	6 months	>6 months and <2 years	2 years or greater or permanent/seasonal
Health/Drug (Extended Health Care)
Dental
Pension
Basic Life Insurance
Disability		1
Optional Life Insurance
Optional Accidental Death & Dismemberment (AD&D) Insurance

1. For terms less than two years or part-time employees, members receive 15 days for sick leave up to max of 30 days as per article 30.02.

Dependents

Your dependents are eligible for coverage under your Health/Drug and Dental plans. Only your spouse is eligible for Optional Life and Optional AD&D Insurance. Learn who your eligible dependents include.

Effective Date of Coverage

• Health/Drug/Dental plans – coverage will begin on your first day at work.
• Basic Life Insurance – coverage will begin on your first day of work.
• Disability – coverage for both short and long-term disability begins when you become an eligible member. You must be actively working or on an approved leave of absence. If, due to disease or injury, you are not actively working on this date, the effective date of membership shall be the date you begin actively working.
• Optional Life – becomes effective on the date approved by the insurance company.
• Optional AD&D Insurance – becomes effective on the date you apply.

Coverage for dependents will become effective on the date your coverage becomes effective or on the date you first acquire a dependent, whichever is later and spouse optional life coverage becomes effective on the date approved by the insurance company.

Benefit plan details

For details about each benefit, refer to the benefit plan summaries. 

Eligibility

This plan is available to employees who are residents (excluding Type B residents) in the College of Medicine and are members of the Professional Association of Internes and Residents. Members must be active full-time employees working at least 15 hours per week.

The benefits you are eligible for are based on the length of your current appointment.  Term length is not cumulative. You must reside in Canada and be eligible under your provincial health care program.  Your dependents must also be eligible under your provincial health care program in order to access your benefits.

	Employee Coverage	Dependents
Health/Drug (Extended Health Plan)
Dental

Eligible dependents

Your dependents are eligible for coverage under your extended health care and dental plans. Learn who your eligible dependents include.

Dental Plan

• • You will be covered by the Dental Plan on the day following three months of continuous employment. Employees who go on leave of absence, other lay-off or seasonal lay-off prior to completing the waiting period will not be covered until the day following three months of continuous service commencing from their date of return or recall. If you are absent from work on the day your coverage would otherwise have taken effect, your coverage will begin on the date you return to work.
  • If you leave the University, or affiliated employer, and are rehired as an eligible employee within six months, you will be covered under the Plan without having to complete the three-month waiting period.

Health/Drug 

• • Eligible employees on staff at July 1, 2011 (including those who are receiving disability benefits) will be covered effective July 1, 2011.
  • If you are absent from work on the day your coverage would otherwise have taken effect, your coverage will begin on the date you return to work.
  • Coverage under the EHC plan for eligible employees hired after July 1, 2011, will take effect as of the date of employment.
  • Coverage for dependents will become effective on the date your coverage becomes effective or on the date you first acquire a dependent, whichever is later.

Benefit Period

The benefit period is the twelve-month calendar year, January 1 to December 31.

Benefit plan details

For details about each benefit, refer to the benefit plan summaries.

Employee and eligible dependents

You are eligible for benefits if you are an employee that works at least half time (0.5 FTE). The benefits you are eligible for are based on the length of your current appointment.

Term length is not cumulative and eligibility is dependent on each individual appointment. You must reside in Canada and be eligible under your provincial health care program. Your dependents must also be eligible under your provincial health care program in order to access your benefits.

	6 months	>6 months and <2 years	2 years or greater or permanent / seasonal
Health/Drug (Extended Health Care)
Dental
Pension
Basic Life Insurance
Disability
Flexible Spending
Optional Life Insurance
Optional Accidental Death & Dismemberment  Insurance

Benefit plan details

For details about each benefit, refer to the benefit plan summaries.

• Eligible employees are employees who do not qualify for full-time benefits, who work 390 hours during the initial qualifying period of 26 consecutive weeks following their date of hire, or 780 hours in a 12-month period.
• Part-time benefits are applicable to all employees and students who are not covered by a University benefit plan.
• Employees must reside in Canada and be eligible under the provincial health care program.
• Your dependents must also be eligible under your provincial health care program in order to access your benefits.

	Employee Coverage	Dependents
Formulary Drug Coverage
Dental
Pension (if eligible)
Basic Life Insurance
Business Travel Insurance

Eligible dependents

Your dependents are eligible for Formulary Drug Coverage. Learn who your eligible dependents include.

Benefit plan details

For details about each benefit, refer to your benefit plan summary.

Pension Plan

Part-time employees are eligible for part-time pension benefits that is appliciable to their employee group if they have been:

• employed by the University for 24 continuous months and,
• have earned at least 35% of the Year’s Maximum Pensionable Earnings in each of the two previous calendar years

Plan	Employee Monthly Cost	Employer Monthly Cost
Extended Health Care (family)	$0.00	$200.48
Dental (family)	$0.00	$113.14
Basic Life Insurance (2 x annual salary rounded up to nearest $1,000)	$0.00	$0.100 per $1,000
Disability	$0.00	2.472% (of salary)
Pension	7.0% (of salary)	7.0% (of salary)
Flexible Spending Account	$0.00	$900 (per annum)
Optional Life Insurance	Rates are determined by age and smoking status. View Rates	$0.00

* If eligible for the above benefits, you may not opt-out

Part-time Benefits

Plan	Employee Monthly Cost	Employer Monthly Cost
Health (prescription drugs only, family)	$0.00	$18.74
Dental (single)	$0.00	$32.96
Basic Life Insurance (2 x annual salary rounded up to nearest $1,000)	$0.00	$0.100 per $1,000
Part-time pension	7.0% (of salary)	7.0% (of salary)

Plan	Employee Monthly Cost	Employer Monthly Cost
Extended Health Care (family)	$0.00	$200.48
Dental (family)	$0.00	$113.14
Basic Life Insurance (2 x annual salary rounded up to nearest $1,000)	$0.00	$0.100 per $1,000
Disability    STD    LTD	$0.00 1.785% (of salary)	1.40% (of salary) $0.00
Pension	7.5% (of salary)	7.5% (of salary)
Flexible Spending Account	$0.00	$400 (per annum)
Optional Life Insurance	Rates are determined by age and smoking status. View Rates	$0.00

* If eligible for the above benefits, you may not opt out

Part-time Benefits

Plan	Employee Monthly Cost	Employer Monthly Cost
Health (prescription drugs only, family)	$0.00	$18.74
Dental (single)	$0.00	$32.96
Basic Life Insurance (2 x annual salary rounded up to nearest $1,000)	$0.00	$0.100 per $1,000
Part-time pension	7.5% (of salary)	7.5% (of salary)

Plan	Employee Monthly Cost	Employer Monthly Cost
Health (prescription drugs only, family)	$0.00	$18.74
Dental (single)	$0.00	$32.96
Basic Life Insurance (30,000)	$0.00	$0.100 per $1,000

* If eligible for the above benefits, you may not opt out

Plan	Employee Monthly Cost	Employer Monthly Cost
Extended Health Care (family)	$0.00	$200.48
Dental (family)	$0.00	$113.14
Basic Life Insurance (2 x annual salary rounded up to nearest $1,000)	$0.00	$0.100 per $1,000
Disability	$0.00	2.472% (of salary)
Pension	7.0% (of salary)	7.0% (of salary)
Flexible Spending Account	$0.00	$1,000 (per annum)
Optional Life Insurance	Rates are determined by age and smoking status. View Rates	$0.00

* If eligible for the above benefits, you may not opt-out

Plan	Employee Monthly Cost	Employer Monthly Cost
Extended Health Care (family)	$0.00	$261.40
Dental (family)	$0.00	$141.40
Basic Life Insurance (2 x annual salary rounded up to nearest $1,000)	$0.00	$0.100 per $1,000
Disability	$0.00	2.472% (of salary)
Pension	8.5% (of salary)	8.5% (of salary)
Flexible Spending Account	$0.00	$500 (per annum)
Optional Life Insurance	Rates are determined by age and smoking status. View Rates	$0.00

* If eligible for the above benefits, you may not opt-out

Plan	Employee Monthly Cost	Employer Monthly Cost
Extended Health Care (family)	$0.00	$261.40
Dental (family)	$0.00	$141.40
Basic Life Insurance (2 x annual salary rounded up to nearest $1,000)	$0.00	$0.100 per $1,000
Disability	$0.00	2.472% (of salary)
Pension	8.5% (of salary)	8.5% (of salary)
Optional Life Insurance	Rates are determined by age and smoking status. View Rates	$0.00

* If eligible for the above benefits, you may not opt out

Research Professional Staff

The following benefit premiums are applicable to research professional staff. To determine which research group you are in, log into your PAWS account and select “Employee” from the left-hand side. Select “My Employment,” then “Paycheques.” In the general section at the top, to the right of your name you will see the business unit you are in.

• If business unit is RPROF, you are research professional staff, and the following premiums apply to you.
• If business unit is RADMN or RSPPT, you are research administrative, technical and support staff and the following premiums do not apply to you. See Benefit premiums - research administrative, technical and support staff.

Plan	Employee Monthly Cost	Employer Monthly Cost
Extended Health Care (family)	$0.00	$261.40
Dental (family)	$0.00	$141.40
Basic Life Insurance (2 x annual salary rounded up to nearest $1,000)	$0.00	$0.100 per $1,000
Disability	$0.00	2.472% (of salary)
Pension	8.5% (of salary)	8.5% (of salary)
Optional Life Insurance	Rates are determined by age and smoking status. View Rates	$0.00

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Research Administrative, Technical and Support

The following benefit premiums are applicable to research administration, technical and support staff. To determine which research group you are in, log into your PAWS account and select “Employee” from the left hand side. Select “My Employment,” then “Paycheques.” In the general section at the top, to the right of your name you will see the business unit you are in.

• If business unit is RADMN or RSPPT, you are Research Administration, Technical and Support Staff, and the following premiums apply to you.
• If business unit is RPROF, you are research professional staff and the following premiums do not apply to you. See Benefit premiums – research professionals.

Plan	Employee Monthly Cost	Employer Monthly Cost
Extended Health Care (family)	$0.00	$200.48
Dental (family)	$0.00	$113.14
Basic Life Insurance (2 x annual salary rounded up to nearest $1,000)	$0.00	$0.100 per $1,000
Disability	$0.00	2.472% (of salary)
Pension	7.0% (of salary)	7.0% (of salary)
Optional Life Insurance	Rates are determined by age and smoking status. View Rates	$0.00

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Non-union

The following benefit premiums are applicable to research administration, technical and support staff. To determine which research group you are in, log into your PAWS account and select “Employee” from the left-hand side. Select “My Employment,” then “Paycheques.” In the general section at the top, to the right of your name you will see the business unit you are in.

Plan	Employee Monthly Cost	Employer Monthly Cost
Extended Health Care (family)	$0.00	$200.48
Dental (family)	$0.00	$113.14
Basic Life Insurance (2 x annual salary rounded up to nearest $1,000)	$0.00	$0.100 per $1,000
Disability	$0.00	2.472% (of salary)
Pension	7.0% (of salary)	7.0% (of salary)
Optional Life Insurance	Rates are determined by age and smoking status. View Rates	$0.00

Part-time Benefits

Plan	Employee Monthly Cost	Employer Monthly Cost
Health (prescription drugs only, family)	$0.00	$18.74
Dental (single)	$0.00	$32.96
Basic Life Insurance (2 x annual salary rounded up to nearest $1,000)	$0.00	$0.100 per $1,000
Part-time pension	7.0% (of salary)	7.0% (of salary)

Plan	Employee Monthly Cost	Employer Monthly Cost
Extended Health Care (family)	$0.00	$107.04
Dental (family)	$0.00	$68.32

Plan	Employee Monthly Cost	Employer Monthly Cost
Extended Health Care (family)	$0.00	$47.38
Dental (family)	$0.00	$55.74
Basic Life Insurance  (2 x annual salary rounded up to nearest $1,000)	$0.100 per $1,000	$0.00

Plan	Employee Monthly Cost	Employer Monthly Cost
Extended Health Care (family)	$0.00	$261.40
Dental (family)	$0.00	$141.40
Basic Life Insurance (2 x annual salary rounded up to nearest $1,000)	$0.00	$0.100 per $1,000
Disability	$0.00	2.472% (of salary)
Pension	8.5% (of salary)	8.5% (of salary)
Optional Life Insurance	Rates are determined by age and smoking status. View Rates	$0.00

* Semi-monthly payroll deductions start August 1, 2019.

Plan	Employee Monthly Cost	Employer Monthly Cost
Extended Health Care (family)	$0.00	$261.40
Dental (family)	$0.00	$141.40
Basic Life Insurance (2 x annual salary rounded up to nearest $1,000)	$0.00	$0.100 per $1,000
Disability	$0.00	2.472% (of salary)
Pension	8.5% (of salary)	8.5% (of salary)
Flexible Spending Account	$0.00	$1,200 (per annum)
Optional Life Insurance	Rates are determined by age and smoking status. View Rates	$0.00