Benefits Guide-Canadian-2015

benefits
guide
2015 Canada
Live well. Save well. Spend well.
Important Information
This Benefits Guide highlights the key features of your
Stantec benefits plan. It provides details about your health
care coverage and other benefit options, and it walks you
through the enrollment process step by step.
Please read through this guide carefully to fully understand
all your benefit options so you can enroll successfully. If you
are married or have a common-law spouse, you may want to
share this guide with him or her. Full plan documents and
details are available on StanNet and your Manulife portal.
Your Personal Information
The personal data we receive when enrolling you in our
plans is protected in accordance with the Personal
Information Protection and Electronic Documents Act
(PIPEDA). If you have any questions about our PIPEDA
and security policies and procedures, your Stantec benefits
plan, or information contained in this guide, please contact
the Benefits Service Center at (877) 418-1459 or send an
email to benefitsservicecenter@stantec.com.
This Benefits Guide is intended to provide you with easyto-understand explanations of certain key features of your
benefits. It does not include the complete details of the benefits
plan. These are contained in the official plan documents, which
legally govern the administration of the plan.
Every effort has been made to ensure the accuracy of the
information contained in this guide. However, if there is ever
a conflict or difference between what is written here and the
plan documents, the plan documents always rule.
Stantec expects to continue the benefits plan; however, the
Company reserves the right to amend, change, modify, or
terminate the plan at any time and for any reason.
Participation in the Employee Stock Purchase Plan (ESPP) is
entirely voluntary, and Stantec makes no recommendations
to its employees with respect to the purchase of its stock or
participation in this program. There is no guarantee under
the program against loss because of market fluctuations. In
seeking share ownership, employees must also accept the risks.
This guide is not an offer or contract of continued
employment with Stantec or any of its affiliated companies.
Table of Contents
1
Benefits Eligibility
2
Benefits Loss of Eligibility
3
Annual Re-Enrollment – Current Employees
4
Enrollment – New Hires, Rehires, and Status Changes
6
Enrollment – Retirement, All Employees
6
Qualifying Life Events
6
Midyear Changes
7
Medical
10
Pharmacy Partnership
11
Dental
12
Spending Accounts
13
Wellness
15
Life Insurance
16
Accidental Death & Dismemberment (AD&D)
17
Return to Health
18
Optional Critical Illness
19
Retirement Plans
21
Benefits for International Business Travelers
21
Benefits Plan Contacts
22
Benefits Plan Costs
Benefits Eligibility
You are eligible to participate in the Stantec benefits plan if you reside in Canada, are enrolled in a provincial health
care plan, and are on the Canadian payroll working a minimum of 20 hours per week in a staff type category (STC) of
SN, HE, or HO. Employees in an STC of HL or HQ may participate in the nonregistered Employee Stock Purchase Plan
(ESPP), Class B, as well as the Group Tax-Free Savings Account (Group TFSA).
Your benefits coverage begins on the first of the month following your hire, rehire, or status change to benefits
eligible date, or on your hire, rehire, or status change to benefits eligible date if it coincides with the first of the
month; however, you must complete the enrollment process within the specified time period. Rehires with less than
a six-month break in service are automatically re-enrolled at their prior coverage (see the Enrollment – New Hires,
Rehires, and Status Changes section for rehires).
For Extended Health Care (including emergency travel assistance and vision), Dental, and Life insurance plans,
Health Care and Wellness spending accounts, the Employee and Family Assistance Program, and Accidental Death
and Dismemberment Program, your eligible dependents include
•
Your spouse or common-law spouse of the same or opposite sex whom you have been cohabitating with for at least
12 months.
•
Your unmarried dependent children (including natural and adopted children who depend on you for support) and
stepchildren and common-law spouse’s children who reside with you and depend on you for support until age
22, or until age 26 if full-time students at an accredited institute of learning. Coverage ends on their birthday.
Disabled children may be eligible beyond the age and student requirements listed.
To ensure coverage continues for overage dependents—full-time students, aged 22 to 25—you must contact Manulife
before their twenty-second birthday.
For the Group Registered Retirement Savings Plan
(Group RRSP), you are eligible to participate if you meet
the eligibility requirements listed in the first paragraph
above and you are
•
On our Canadian payroll
•
Paid in Canadian dollars
•
Filing Canadian income tax returns
You must meet all the criteria and have earned Canadian
income the previous year to participate. This allows the
Canada Revenue Agency (CRA) to determine your RRSP
contribution limit from your tax assessment. If you have
any questions about your personal situation, contact the
Canada Revenue Agency (CRA). You are responsible for
managing your personal limit within the Stantec benefits plan.
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2015 • Canada
Benefits Loss of Eligibility
If you lose benefits eligibility due to termination of employment, status change to nonbenefits eligible, or other
qualifying reason, all benefits continue to the end of the month in which the termination or loss of benefits eligibility
occurs. Exceptions to this are Return to Health (short- and long-term disability), Group Registered Retirement
Savings Plan (Group RRSP), Employee Stock Purchase Plan (ESPP), and Group Tax-Free Savings Account (Group
TFSA), which end on the termination or loss of benefits eligibility date. If this provides you with shorter benefits
coverage than the minimum standards contained in any applicable employment standards legislation, then the
minimum legislative standard applies.
Some benefits adjust at certain age limits. To see if this affects you, refer to the table below.
Benefits Plans
65 Years
70 Years
Basic Life
Coverage reduces to 50% of base
salary with a minimum coverage level
of $25,000
Supplemental Life
Coverage ends
Optional Life –
employee and spouse
or common-law spouse
71 Years
Coverage ends
Basic Accidental Death
and Dismemberment
(AD&D)
Coverage reduces to 50% of base
salary with a minimum coverage
level of $25,000
Supplemental AD&D
Coverage ends
Optional AD&D
Coverage ends
Optional Critical –
employee and spouse
or common-law spouse
Coverage ends
Return to Health –
long-term disability
Coverage ends and premiums cease
17 weeks before your 65th birthday
Group RRSP
Coverage ends and you receive
notice from the Canada Revenue
Agency and Manulife stating that
you must convert your funds into
another plan by the end of the year
you turn 71
ESPP – registered
Coverage ends and you receive
notice from the Canada Revenue
Agency and Manulife stating that
you must convert your funds into
another plan by the end of the year
you turn 71
Canada Pension Plan
(CPP)
Contributions continue while you
are working. If you receive CPP
income, you may elect to opt out
and stop contributions.
Survivor benefits
If you have dependents covered under your Extended Health Care and Dental plans on the date of your death,
their coverage continues on a noncontributory basis until the earliest of
Benefits Guide
•
24 months from the date of your death
•
The date any dependent is no longer a qualified dependent
•
The date that similar coverage is obtained elsewhere
•
The date this coverage is cancelled
•
The date the contract is cancelled
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2015 • Canada
Annual Re-Enrollment – Current Employees
November 20 to December 4, 2014
Each year during our annual benefits re-enrollment, current employees have the opportunity to change elections to keep
pace with changing needs. The elections you choose during this period are in effect for the whole plan year (January 1 to
December 31). Changes during the year but outside of this period are limited to qualifying life events.
Q How Do I Re-Enroll or Make Group Health Benefit Changes?
Go to www.manulife.ca/stantec, and follow the instructions to make your changes.
•
If you have not activated your account, contact Manulife at (855) 464-6046 for instructions.
•
If you have activated your Retirement Plan account, you can access both your Group Benefit Plan and
Retirement Plan from this single log-in.
Q What Happens after I Re-Enroll?
1. Review your coverage statement at www.manulife.ca/stantec. The coverage statement lists the benefits you
selected, the cost of those benefits, and the dependents and beneficiaries associated with those plans.
2.
Print, complete, and return any required forms to Manulife.
3.
Print a personalized benefits card that shows your Plan Contract Number and Member Certificate Number,
both required when submitting a claim. You can also present the card to your dentist to assist with processing
dental claims electronically, and you may need to present it to provincially funded medical institutions to
prove benefits coverage. Your spouse, common-law spouse, or eligible dependent can also use this card to
confirm benefits coverage.
4.
Set up direct deposit to have your claims paid directly into your bank account. You can view your claim status and
claim statements (explanation of benefits [EOB]), plus complete and print the personalized claim forms.
5.
Compare enrollment and premiums listed on your coverage statement against deductions from your pay. Enrolling
provides Stantec with approval to pay your share of the premiums listed on your coverage statement as a payroll
deduction from your earnings. (Note: In some provinces, such as Ontario, taxes are shown on your coverage
statement but are not reflected on your pay because Stantec pays those on your behalf.)
Q What Happens If I Waive Health and Dental Coverage?
Waiving health and dental coverage is an important decision that should be made after careful consideration. If
you waive coverage and later wish to enroll, you must wait until the next annual re-enrollment period, unless you
have a qualifying life event and inform Manulife within 31 days of that event. Note: Waiving health coverage means
Emergency Travel Assistance is also waived.
Q What Happens If I Do Not Re-Enroll or Make Changes during Annual Re-Enrollment?
If you do not make any elections or changes during the annual re-enrollment period, your benefits continue
unchanged, including your allocations for both the annual spending account and wellness incentive credits.
The only exception is the Wellness Program (see next question and answer for details).
Q How Do I Re-Enroll in the Kersh Wellness Program?
You must re-enroll annually in the Kersh Wellness Program to be considered a participant. To re-enroll for
2015, follow the instructions listed in the Wellness Program Guide; the only enrollment requirement is to
complete a Qscore Assessment each year. The guide can be found on StanNet and the Kersh Health website at
www.kershhealth.com.
If you are a current program participant, your incentive credits earned in 2014 will be deposited into your spending
accounts (based on your direction) in January 2015.
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2015 • Canada
Enrollment – New Hires, Rehires, and Status Changes
Q
How Do I Enroll If I Am a New Hire or Have a Status Change to a Benefits Eligible Position?
You will be provided with benefits orientation materials to help you better understand the benefits plan at
Stantec. You will receive an email from Manulife inviting you to enroll within two weeks of the date you were
hired or became newly benefits eligible. You have 14 days from the date you receive your invitation to enroll.
1. Complete the one-time registration process. (Note: Once you have registered, enter only your user name and
password to log on to the plan member secure site in the future.)
2. Activate your account using the activation key provided in the email (this is a one-time process).
3. Once your account is activated, log in and select the “enrol/re-enrol” link to complete the enrollment process.
4. Complete the required forms at the end of your online enrollment session.
Once you have activated your retirement plan account(s), access both your Group Benefit Plan and Retirement Plan
from this single log-in. While retirement plan elections can be made and changed at any time, your Group Benefit
Plan elections must be made within 14 days of receiving your invitation to enroll. If you do not enroll within that
time period, you must wait until the re-enrollment period or until you have a qualifying life event.
Q H
ow Do I Enroll in the Kersh Wellness Program?
Within two weeks of the date you were hired or became newly benefits eligible, you will receive an email from
Kersh Health with instructions to enroll in this voluntary program. To enroll in the Kersh Wellness Program,
you must complete the online Qscore Assessment within 31 days of your hire, rehire, qualifying life event, or
status change to benefits eligible date. Enrolling in the Wellness Program is a mandatory requirement. Follow the
instructions listed in the Wellness Program Guide for details.
Participating in the 2015 Wellness Program drives the amount of incentive you earn. That incentive will be
placed into your 2016 spending accounts.
Q How Do I Enroll If I Was Rehired within Six Months of My Last Termination Date?
• If you have been rehired or have lost benefits eligibility and gained it back within six months, you will be
automatically reinstated to the benefits you had before your termination or loss of coverage. Salary-based
benefits, such as life insurance, will reflect current earnings.
•
If the timing of the reinstatement of your benefits results in missed premiums, they will be caught up on the
next available pay.
•
If you had a qualifying life event during your short time away or while you were not benefits eligible, your
health plan, dental plan, and spending account benefits may be impacted. If this is the situation you face upon
reinstatement, please contact Stantec's Benefits Service Center at benefitsservicecenter@stantec.com.
•
If you were previously enrolled in the 2015 Kersh Wellness Program, you will be reinstated and you can
continue to follow the incentive plan as normal. If you are not a current participant and you would now like
to enroll in the program, complete the Qscore Assessment within 31 days of your rehire or status change to
benefits eligible date.
Q How Do I Enroll If I Was Rehired More Than Six Months after My Last Termination Date?
If you are rehired more than six months after your last termination date, you must enroll as a new hire
within 14 days after receiving your invitation-to-enroll email from Manulife (see the questions and
answers above for instructions).
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2015 • Canada
Q What Happens after I Enroll?
1. Review your coverage statement at www.manulife.ca/stantec. The coverage statement lists the benefits you
selected, the cost of those benefits, and the dependents and beneficiaries associated with those plans.
2.
Print, complete, and return any required forms to Manulife.
3.
Print a personalized benefits card that shows your Plan Contract Number and Member Certificate Number to
use until your permanent card arrives from Manulife. These numbers are required when submitting a claim.
You can also present the card to your dentist to assist with processing dental claims electronically, and you
may need to present it to provincially funded medical institutions to prove benefits coverage. Your spouse,
common-law spouse, or eligible dependent can also use it to confirm benefits coverage.
4.
Set up direct deposit to have your claims paid directly into your bank account. You can view your claim status
and claim statements (explanation of benefits [EOB]), plus complete and print personalized claim forms.
5.
Compare enrollment and premiums listed on your coverage statement against deductions from your pay.
Enrolling provides Stantec with approval to pay your share of the premiums listed on your coverage statement
as a payroll deduction from your earnings. (Note: In some provinces, such as Ontario, taxes are shown on your
coverage statement but are not be reflected on your pay because Stantec pays those on your behalf.)
Q What Happens If I Waive Health and Dental Coverage?
Waiving health and dental coverage is an important decision that should be made after careful consideration.
If you waive coverage and later wish to enroll, you must wait until the next annual re-enrollment period, unless
you have a qualifying life event and inform Manulife within 31 days of that event. Note: Waiving health coverage
means Emergency Travel Assistance is also waived.
Q What Happens If I Don’t Enroll upon Hire, Rehire, or Initial Benefits Eligibility?
If you do not enroll by the deadline, you are defaulted to the following plans at the coverage levels listed and
cannot make changes until the next annual re-enrollment period or qualifying life event.
•
Extended Health Care (EHC) – single coverage
•
Medical Services Plan (MSP) – no coverage (BC residents only)
•
Health Service Navigator (HSN)
•
Dental – single coverage
•
Annual Spending Account Credit – single coverage (all funds in the Health Care Spending Account
[HCSA] option)
•
Basic Life and Basic Accidental Death & Dismemberment (AD&D) – one times the base salary
•
Return to Health – short- and long-term disability
•
Wellness Incentive – 100% to the Wellness Spending Account (WSA)
•
Employee Family Assistance Program (EFAP)
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2015 • Canada
Enrollment – Retirement, All Employees
Group Registered Retirement Savings Plan (Group RRSP), Employee Stock Purchase Plan (ESPP),
and Group Tax-Free Savings Account (TFSA)
You may enroll in the Group RRSP, ESPP, or Group TFSA any time after your first pay. Read the information provided
by Manulife at www.manulife.ca/stantec or on StanNet to learn about the key features of these plans.
1.
Log on to www.manulife.ca/stantec and activate your Retirement Plan account (a one-time process).
2.
To enroll in the
•
Group RRSP and ESPP, enter policy number 20001943 and access code S1234
•
Group TFSA, enter policy number 41001945 and access code S1234
3.
Choose the plans you would like to enroll in, and follow the instructions provided.
4.
Keep your customer number (provided at the end of your enrollment session) and your PIN for future access.
If you would like to set up a spousal account, go to www.manulife.ca/stantec and complete the following forms:
•
Payroll deduction section on the Payroll Deduction form (for employee)
•
RRSP Spousal Split Direction form
•
Beneficiary Form (for both employee and spouse or common-law spouse)
For more information about these plans, refer to the Retirement Plans section.
Qualifying Life Events
The elections you make when you initially become eligible for benefits or during annual re-enrollment are in effect for the
rest of the plan year (January 1 to December 31). Changes can be made during the year only if there are changes to family
status or you have a qualifying life event. Changes must be reported within 31 days of the event; otherwise, you must wait
until the next annual re-enrollment period. These changes may include but are not limited to the following:
•
Gain of dependent (birth, adoption of a child, placement for adoption of a child, marriage, common-law partnership)
•
Loss of dependent (divorce, legal separation, annulment, termination of partnership, death of spouse or
common-law spouse)
•
Commencement or termination of spouse’s or common-law spouse’s employment that affects benefits
•
Spouse’s or common-law spouse’s annual re-enrollment period
See StanNet for full details.
Midyear Changes
At any time, you can contact Manulife to make changes to the following benefits:
•
Optional Life Insurance
•
Optional AD&D Insurance
•
Optional Critical Illness Insurance
•
Group Registered Retirement Savings Plan (Group RRSP) contributions and investment selections
•
Employee Stock Purchase Plan (ESPP) contributions
•
Group Tax-Free Savings Account (Group TFSA) contributions
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2015 • Canada
Medical
Extended Health Care (EHC) – Manulife
When you or a covered family member needs medical care, your benefits program provides valuable financial assistance.
Following enrollment in Stantec’s Extended Health Care (EHC) Plan, you will be issued a benefits card for yourself, your
spouse (if applicable), and your overage dependents (if applicable). The benefits card is part of an electronic payment
system that allows on-the-spot submission of prescription drug claims at most pharmacies in Canada. Further details
are enclosed with the card.
Emergency Travel Assistance – Manulife
You must be enrolled in the EHC Plan to be covered under Stantec’s Emergency Travel Assistance Plan. When you
are traveling for business or pleasure outside of your province of residence, this plan complements provincial out-ofcountry benefits by providing support during a medical emergency outside of Canada or the member’s home province.
The program can assist with the following:
•
Access to a communication network for medical locations, medical advice and consultation, and hospital
admissions assistance
•
Emergency medical evacuation to a medical facility
•
Transportation for a friend or relative if you are alone and expect to be hospitalized more than seven days
•
Care and transport of unattended minor children
Additional Vision Services – Preferred Vision Services (PVS)
In addition to the vision benefits provided by the EHC Plan, Manulife offers a vision discount program through
Preferred Vision Services (PVS) at www.pvs.ca. PVS entitles you to a discount on a wide variety of quality eyewear
and lens extras (e.g., scratch guarding and tints) when you purchase these items from a PVS network optician or
optometrist. Discounts on laser eye surgery are also available on this network.
PVS also offers discounts on hearing correction products and services, whether or not you are enrolled in EHC
coverage. If you are enrolled, you may submit a claim form directly to Manulife to claim your EHC portion of the
vision or hearing benefit.
Provincial Health Care (PHC) – Medical Services Plan (MSP)
Stantec’s medical plan supplements the Provincial Health Care (PHC) Plan in each province; therefore, coverage in
a PHC plan is required. Employees ineligible for a PHC Plan in their province of residence should send an email to
Stantec's Benefits Service Center at benefitsservicecenter@stantec.com.
For employees who reside in British Columbia, coverage under the Group Benefit Plan begins on the first of the month
following their hire date. If enrollment is received outside of the enrollment window, the employee is enrolled on the
first of the month following notification and is responsible for any premiums due for any prior months’ coverage billed
by the province.
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2015 • Canada
Benefits and Services at a Glance
Manulife Extended Health Care (EHC) Plan
Maximum amount payable per covered person.
Providers must be licensed and registered in the province where they reside.
Ambulance
80% of all other charges, including charges for professional ambulance service and
medical travel in Canada.
Semiprivate hospital room and board in Canada
100% of eligible charges for all hospital expenses incurred in or outside Canada,
including charges for inpatient and outpatient services furnished in or outside Canada.
Chronic care in Canada
$10 per day for a maximum duration of 120 days per disability
Medical travel in Canada
80% reimbursement; a lifetime maximum of $2,000
Psychologist, registered social worker, or social
worker with a master of social work degree
80% reimbursement; an overall maximum of $1,000 in a calendar year
Chiropractor, naturopath, osteopath, podiatrist,
or chiropodist
80% reimbursement; $500 per practitioner in a calendar year
Massage therapist
80% reimbursement; $500 in a calendar year
Acupuncturist
80% reimbursement; $500 in a calendar year
Private duty nursing in the home
80% reimbursement; $10,000 in a calendar year (preapproval required)
Physiotherapist, athletic therapist, or
occupational therapist
80% reimbursement; an overall maximum of $500 in a calendar year
Speech therapist
80% reimbursement; $500 in a calendar year
Custom-made orthopedic shoes
80% reimbursement; $200 in a calendar year
Orthotics
80% reimbursement; $400 in a calendar year
Audiology exams
80% reimbursement; up to $100 every 12 months
Hearing aids
80% reimbursement; $1,000 every 60 months
Lenses required as a result of cataract surgery
80% reimbursement; $200 per surgery
Eye examinations
80% reimbursement; $100 every 12 months
Vision care – prescription eyewear (including
sunglasses and contact lenses) and corrective
eye surgery
80% reimbursement; $200 allowance every 12 months
Dental – accident (accidental injuries to the
natural teeth or jaw)
80% reimbursement; reasonable and customary
Benefits and Services at a Glance continued on next page.
Benefits Guide
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2015 • Canada
Benefits and Services at a Glance
Manulife Extended Health Care (EHC) Plan
Maximum amount payable per covered person.
Providers must be licensed and registered in the province where they reside.
Wigs (hairpieces) – for patients with temporary hair
loss as a result of medical treatment
80% reimbursement; a lifetime maximum of $250
Prescription drug coverage
80% coverage (approved lowest cost alternative and generic substitution
are mandatory).
For high blood pressure, depression, diabetes, and stomach hyperacidity
conditions, if a lower cost therapeutic drug is available, the plan may cover that
drug at 100%. Please see StanNet or contact Manulife directly for more information.
For maintenance medications (medications taken on a long-term, regular basis),
covered dispensing fees are limited to 5 in a 12-month period.
Once an individual has paid $1,000 out of pocket, then all further Rx claims are
covered at 100%.
Expenses incurred while out of Canada under the
Emergency Travel Assistance Plan for treatment of
a medical emergency
100% reimbursement; a lifetime maximum of $1,000,000
Overall lifetime maximum
Unlimited
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2015 • Canada
Pharmacy Partnership*
You have access to a pharmacy dispensing fee Preferred Provider Network (PPN) through the pharmacies in these
Loblaws groceries stores:
•
Real Canadian Superstore
•
Zehrs
•
Your Independent Grocer
•
No Frills
•
Fortinos
•
Loblaws
•
Extra Foods
This PPN arrangement provides you with lower overall prescription drug costs through reduced dispensing fee
charges and drug ingredient costs. Just let the pharmacist or pharmacy technician know that you are an employee
of Stantec, then present your Manulife benefits card and the prescription from your doctor. We encourage you to take
advantage of the pharmacy dispensing fee PPN whenever possible. (Check StanNet for a map of locations.)
* Does not apply in Quebec
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2015 • Canada
Dental
Manulife
Stantec provides access to dental coverage for you and your covered family members through Manulife. Payment for
dental services and supplies benefits you in two important ways:
•
Preventative dental care is encouraged because Stantec pays for most of these expenses.
•
A wide range of other dental services and supplies, including orthodontia, is available.
Dentists may charge above the allowable fee guide reimbursement levels. When this happens, you are responsible for
paying this extra billing. The additional costs may be reimbursable through your Health Care Spending Account. Fees
also differ by dentist, so we recommend that you consult with your practitioner before receiving services.
Predetermination of Benefits
Before you start a course of treatment exceeding $500, work with your dental provider to obtain a predetermination
of benefits. This ensures that you and your dental provider understand what is covered by the Stantec dental plan and
what part of the treatment cost is your responsibility.
Schedule of Dental Plan Benefits
Manulife (p lan uses current fee guide for general practitioners approved by the
Preventative and diagnostic care
(service available every nine months)
Plan pays 100%; may be balance billed for charges above the fee guide
provincial dental association in the province where you live)
One recall exam is covered every nine months; generally covers x-rays, polishing,
a fluoride treatment, and two units (each unit is 15 minutes) per calendar year of scaling
For up to six scaling units, the services are covered under the periodontal component
of the plan at 80%
Basic care (fillings, simple extractions,
oral surgery, periodontics, endodontics,
dentures)
Plan pays 80%; you pay 20% of eligible charges; may be balance billed for charges
above the fee guide
Major care (bridgework, inlays and
onlays, crowns, dentures, implants)
Plan pays 50%; you pay 50% of eligible charges; may be balance billed for charges
above the fee guide or any plan maximum
Maximum per individual
$2,000
Orthodontia (adult and child)
Plan pays 50%; you pay 50% of eligible charges; may be balance billed for charges
above the fee guide
Maximum per individual
Benefits Guide
$2,500 per lifetime
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2015 • Canada
Spending Accounts
Manulife
Health Care Spending Account (HCSA) and Wellness Spending Account (WSA)
The HCSA and WSA are like bank accounts. You start each year with either $252 for single or $600 for family credited
to your account. If you become eligible for full benefits midyear or you are a new hire, the annual spending account
credits are prorated. You can earn additional credits ($50, $200, or $300) by participating in our Wellness Program
and then direct those credits to either or both plans.
HCSA credits represent dollars for which you pay no income tax (note: HCSA claims paid or reimbursed in Quebec are
taxable), whereas WSA dollars are taxable. The account can be used for you, your spouse or common-law spouse, and
your dependent children. You have the flexibility to spend benefit dollars where you need them most.
Throughout the year, HCSA credits can be used to pay for qualified medical, vision, and dental expenses. Expenses
must be eligible under the Canada Revenue Agency (CRA) Income Tax Act. For a complete list of eligible expenses,
contact your local CRA district office and ask for Income Tax Folio S1-F1-C1: Medical Expense Tax Credit. Some of
the more common eligible expenses include the following:
•
Extended health care and dental premiums (paid by you or your spouse; T4s may be used to submit premiums paid)
•
Coverage amounts limited by coinsurance, deductibles, or benefits plan maximums
•
Vision care expenses (eyeglasses, contact lenses, and laser eye surgery) – the date materials are picked up is
applied to the appropriate HCSA plan year
•
Over-the-counter drugs if prescribed by a physician
•
Medical form completion
Your WSA dollars can be used to reimburse the following wellness items for you, your spouse or common-law spouse,
and your dependent children:
•
Fitness memberships (excludes social, golf, and country club memberships)
•
Fitness classes and lessons (e.g., yoga, tai chi, dance)
•
Fitness equipment (e.g., treadmill, free weights, exercise bike)
•
Personal trainer fees
•
Self-defense course
•
Weight-loss class fees (e.g., Weight Watchers, Jenny Craig) (excludes vitamins, food, and other supplements)
•
Sport registration fees, team fees, and passes (e.g., hockey, softball, green fees, ski passes)
•
Exercise and sports equipment, including repairs (e.g., running shoes, yoga mats, bands, exercise balls, aerobic
steps, tennis rackets, balls, golf clubs, repairs, bicycles, bicycle child carriers, jogger strollers, skates) (excludes
athletic apparel)
Any unused credits at plan year-end are forfeited. Claims have a one-year carryover provision; to be eligible for this
provision, you must have directed some credits to your HCSA in the same year that your expenses were incurred.
Claims may be submitted up to 90 days after the end of the calendar year. Expenses not covered by a medical or dental
plan must be submitted with an explanation of benefits from the carrier denying the expense.
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2015 • Canada
Wellness
Employee and Family Assistance Program (EFAP) – LifeWorks®
Stantec is concerned about your and your family’s total well-being. The LifeWorks® EFAP is provided through Ceridian
and is available to all employees and their dependents. The program offers short-term counseling for the following:
•
Relationship or marital concerns
•
Family or parenting issues
•
Personal or emotional concerns (anxiety, depression, and stress)
•
Bereavement, loss, and grief
•
Career and vocational issues
•
Alcohol, drug, gambling, and smoking concerns
You can also visit LifeWorks® at www.lifeworks.com (English user ID: Stantec; password: eap and French user ID:
Stantecfr; password: pae) for direct access to the information, resources, and tools you need to help you balance your
work and personal life, including
•
Ceridian Depression Centre
•
Ceridian Smoking Cessation Program
•
Career Cruising for Teens
•
Tools, quizzes, and daily tips
•
Hundreds of articles and access to booklets and CDs for download
•
Podcasts and newsletters
•
Featured tools and kits, including the Complete Will Kit and Divorce Tool Kit
EFAP services are completely free of charge to you and your dependent family and are available 24 hours a day,
365 days a year. Stantec pays the entire cost. However, you may be responsible for covering any professional services
you get referred to that are not covered by your medical plan.
Wellness Program – Kersh
Good health is everything—it keeps you alert, active, and able to perform your job well. Stantec wants you to continue to
be healthy and productive, so we are offering you a reward for staying fit. The Wellness Program, administered through
Kersh Health, is voluntary and encourages commitment on your part. When you participate and meet certain goals for
the year, Stantec makes an additional contribution of up to $300. You choose to allocate this amount to your Health Care
Spending Account (HCSA) or Wellness Spending Account (WSA) (or allocate
a portion to each).
Please refer to your 2015 Canada Wellness Program Guide on
StanNet for full plan details. Modified programs can be made
available for employees who are pregnant or who may have a
disability that prevents them from fully participating. Please
contact Kersh at www.kershhealth.com or (800) 467-3005
to request a modified program.
This voluntary program is provided online in English only.
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2015 • Canada
Right Weigh Weight Management Program – Kersh
Right Weigh is a free, innovative, and effective 12-week weight management program. The Right Weigh program
was designed by medical professionals to teach people how to think, eat, and move their way to decreased weight
and optimized health. For more information and incentive point details, refer to your Wellness Program Guide.
Right Weigh Basic is available to all Wellness Program participants. It is self-paced and may be started at any time
throughout the program year at www.kershhealth.com.
Right Weigh Advanced is by Kersh invitation only; participants work one on one with a registered dietician
throughout a 12-week course. The first session begins in January, and additional sessions roll out approximately
every six weeks throughout the program year. You will be contacted if you have been selected to participate in Right
Weigh Advanced. Participation is voluntary.
This voluntary program is provided online in English only.
Smoking and Tobacco Cessation Program – Alere Wellbeing
Through the Quit For Life® Program, you gain access to tools and resources to help you quit tobacco use. This program is
completely confidential and available to all benefits-eligible employees and their dependents 18 years of age and older.
When you enroll in the program, you have access to the following support tools:
•
Phone-based treatment sessions scheduled at your convenience
•
Unlimited toll-free telephone access to the Quit Coaches for the duration of your treatment
•
Recommendations on the type, dose, and duration of medication, if appropriate
•
Free supply of nicotine patches or gum mailed directly to you
•
A Quit Kit of materials designed to help you stay on track between calls
The complete cost of the Quit For Life Program is covered by Stantec. This includes the treatment sessions, Quit Kit,
and nicotine replacement. For more information about the program or to enroll, call Stantec's Benefits Service Center
at (877) 418-1459 or email benefitsservicecenter@stantec.com, or visit the Quit for Life website at www.quitnow.
net (enrollment code: stntcc).
This voluntary program is provided online in English only.
Health Service Navigator ® (HSN) – Manulife
As part of your Manulife Group Benefit Plan, you can access health-related information and more throughthe Health
Service Navigator (HSN). HSN provides access by web or phone to comprehensive health information. Information,
tips, and tools related to various health conditions and events are available online. You can also speak to a health
information specialist for resources and guidance about handling personal health events, from finding a family
doctor to managing chronic health condition.
You and your eligible dependents also have access to a second-opinion service that covers a large number of serious
health-related conditions and treatments. Through HSN, WorldCare offers world-class medical second opinions from
doctors at top American hospitals, such as Boston Children’s Hospital, Duke University health system, Mayo Clinic,
UCLA Healthcare, and Partners HealthCare System, Inc. (which includes Massachusetts General Hospital, Brigham
and Women’s Hospital, and the Dana-Farber/Partners CancerCare).
You can have confidence knowing that a team of leading physicians is available to provide you with a personalized
review of your health issue and recommendations based on cutting-edge research. Best of all, you get this service
without the expense and stress of travel and additional office visits.
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2015 • Canada
Life Insurance
Manulife
Basic Life Insurance
Basic Life Insurance (at one times the annual base salary, rounded up to the next $1,000 increment) through Manulife
is a required benefit for all employees. There is a maximum of $1,000,000 coverage for Basic and Supplemental Life
insurances combined. Stantec pays the Basic Life Insurance premium, so this a taxable benefit. This benefit is guaranteed
issue (no medical required).
Supplemental Life Insurance
Stantec offers the option to purchase additional life insurance (at two times your annual salary, rounded up to the next
$1,000 increment). There is a maximum of $1,000,000 coverage for Basic and Supplemental Life insurances combined.
You pay the cost for Supplemental Life, which is the same cost as for Basic Life.
When you first become eligible for coverage, Supplemental Life is available without evidence of insurability; therefore,
you do not need to complete any medical forms. If you select this insurance during a later annual re-enrollment period,
you must show evidence of good health and go through an approval process with Manulife.
Dependent Life Insurance
Dependent Life Insurance coverage is $10,000 for your spouse or common-law spouse and $5,000 for each child (from
live birth). Stantec pays for the coverage, so it is a taxable benefit.
Optional Life Insurance
You can also select Optional Life Insurance coverage for yourself and your spouse or common-law spouse. Employee
and spousal coverage is available to a maximum of $500,000 (in $10,000 increments) each. If your coverage is greater
than $50,000 or if you elect coverage after your initial enrollment period, you must show evidence of good health and
go through an approval process with Manulife.
You pay the full cost for Optional Life Insurance at competitive group rates. Rates vary by age, gender, and smoker
status. (Note: Premiums for the group plan year are based on your age on January 1.) You must apply for this added
protection and provide evidence of insurability.
Beneficiary Designations
Your beneficiary receives a benefit equal to your coverage amount if you die. To change your current beneficiary,
log on to your Manulife account, make the change, print the form, and mail it. Please ensure that your beneficiary
information is always current and trustees are appointed for underage dependents.
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2015 • Canada
Accidental Death & Dismemberment (AD&D)
AIG
Basic AD&D
Basic Accidental Death and Dismemberment (AD&D) Insurance through AIG and paid by Stantec gives you or your
beneficiary a lump-sum benefit if you suffer an injury or die as the result of an accident. The AD&D benefit amount
matches the total of your Basic Life and Supplemental Life (if applicable) insurances. This is a taxable benefit.
Optional AD&D
Through AIG, you can select additional AD&D Insurance coverage for you, your spouse or common-law spouse, and
your dependent children. Employee coverage to a maximum of $250,000 (in $10,000 increments) is available with an
approved application. For information about dependent coverage, refer to the following table.
Dependent
Coverage
Spouse only
50% of the employee’s optional coverage
Spouse and dependent child(ren)
40% of the employee’s optional coverage for the spouse, and
5% of the employee’s optional coverage for each dependent child
Dependent child(ren) only
10% of the employee’s optional coverage for each dependent child
Identity (ID) Theft
Identity (ID) Theft coverage, through AIG, is paid by Stantec for all benefits-eligible employees. Trained
representatives take calls 24 hours a day, 7 days a week to answer questions about what to do if your identification
has been stolen, what pertinent contact information to provide to credit reporting agencies, and more.
Beneficiary Designations
Your beneficiary receives a benefit equal to your coverage amount if you die. To change your current beneficiary,
log on to your Manulife account, make the change, print the form, and mail it. Please ensure that your beneficiary
information is always current and that trustees are appointed for underage dependents.
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2015 • Canada
Return to Health
Stantec provides income protection over the short and long term if you are unable to work due to a nonwork-related
illness or injury. As a benefits-eligible employee, you are automatically covered under the mandatory Return to Health
plans from the date of your hire or the date you become eligible for benefits. For information about filing a claim and
other benefits programs that continue during your disability period, visit StanNet.
Return to Health – Short-Term Disability (STD) – The Williamson Group (TWG)
The Short-Term Disability (STD) plan covers 66.67% of your base salary after a waiting period of five consecutive
workdays. During this time, you are paid from your available sick time. If you do not have sick time available, you can
choose to use vacation time, banked time, or leave without pay, or a combination of any of these. During your leave,
you may top up your payment with any available sick, vacation, or banked time, or a combination of any of these (not to
exceed 100% of your normal pay). Benefits continue for up to a maximum of 119 days.
Your claim is managed by The Williamson Group (TWG). When you call to report your claim, TWG collects basic
information to validate your eligibility. A TWG coordinator then contacts you within 24 hours to further discuss your
claim and the process (including receiving a disability package that contains additional information needed to review
your claim). TWG will continue to monitor your case and work with you on your return-to-work plan.
Return to Health – Long-Term Disability (LTD) – Manulife
If your recovery from illness or injury continues beyond 119 days, you transition to the Long-Term Disability (LTD)
plan. This plan, offered through Manulife, pays a nontaxable benefit calculated using your monthly base pay (before
going out on disability) as follows:
•
67% of the first $2,500
•
52.5% between $2,500 and $5,000
•
40% of the remainder to a maximum of $10,000
As long as you continue to meet the criteria necessary to receive benefits, this income replacement
continues until you recover, reach age 65, or die.
Benefits are not paid if a disability arises from a disease or injury that you obtained medical
care for before you became insured, unless your disability begins after you have been continuously
insured for one year or you have not had medical care for the disease or injury for a continuous period
of 90 days ending on or after the date your insurance took effect.
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2015 • Canada
Optional Critical Illness
Manulife
When diagnosed with certain conditions, the Critical Illness plan through Manulife provides a lump-sum payment
to cover any expense you choose, including private nursing or medical care, modifications to your home, and child
care costs. Benefits are paid shortly after diagnosis, and payment depends on clear medical definitions. Coverage for a
preexisting condition may be limited for the first two years after taking effect for that condition only.
This voluntary plan is available in units of $5,000 (two-unit minimum) to a maximum of $250,000, subject to
approval of evidence of insurability (EOI). For new hires, Manulife provides a guaranteed issue amount of $25,000 (if
applied for within the 31-day enrollment period). Thereafter, evidence of insurability is required.
The plan covers the following:
•
Alzheimer’s disease
•
Aortic surgery
•
Benign brain tumor
•
Blindness
•
Cancer (life-threatening)
•
Coma
•
Coronary artery bypass surgery
•
Deafness
•
Heart attack (myocardial infarction)
•
Heart valve replacement
•
Kidney failure (end stage renal disease)
•
Loss of limbs
•
Loss of speech
•
Major organ or bone marrow failure and on waiting list for transplant
•
Major organ or bone marrow transplant
•
Motor neuron disease
•
Multiple sclerosis
•
Occupational HIV infection
•
Paralysis
•
Parkinson’s disease
•
Severe burns
•
Stroke (cerebrovascular accident)
As with most insurance, a few conditions apply:
•
You must survive at least 30 days following the diagnosis.
•
The policy includes a preexisting condition exclusion.
•
Certain conditions relating to cancer or a benign brain tumor exclude payment.
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2015 • Canada
Retirement Plans
Manulife
Stantec’s retirement plans are an excellent way to save money, reduce your taxes, and plan your retirement. See below
for a summary of the plans offered.
Plans
Who can join?
Group Registered
Retirement Savings
Plan (Group RRSP)
Policy #20001943
Employee Stock Purchase Plan (ESPP)
Registered ESPP
Policy #50001943
All SN, HO, and HE
employees, including
spouses
Non-Registered ESPP
Policy #50001944
Class A:
All SN, HO, and HE
employees
Group Tax-Free
Savings Account
(Group TFSA)
Policy #41001945
All SN, HO, HE, HL,
and HQ employees
Class B:
All HL and HQ employees
Your contributions
1% to 15% of base salary
1% to 16% of base salary
1% to 16% of base salary
Stantec’s
contributions
100% of the first 3%
50% of the first 4% across
the registered and
non-registered ESPP
Class A:
50% of the first 4% across
the registered and
non-registered ESPP
1% to 15% of base salary
Class B:
No match is applied
Other contributions
Lump-sum payments from Stantec vacation or banked time payouts or bonuses are allowed.
Additional lump-sum contributions can be made from your personal bank account.
Changes to
your contributions
Can be made any time at www.manulife.ca/stantec
Sale of
Stantec stock
No suspension applies
If you sell shares purchased
by payroll deduction
that have been held less
than 2 years, a 12-month
suspension of matching
contributions occurs across
your registered and nonregistered ESPP accounts.
Class A:
If you sell shares purchased
by payroll deduction
that have been held less
than 2 years, a 12-month
suspension of matching
contributions occurs
across your registered
and non-registered
ESPP accounts.
Stantec stock is
not an available
investment option.
Class B:
N/A
Group Registered Retirement Savings Plan (Group RRSP)
The money you invest, along with the Company-matching contributions, is participant directed into a number of
investment choices offered by the plan to allow you to design your own investment strategy. For participants who want
to choose a single diversified investment option based on their year of expected retirement, a series of Retirement Date
funds are available, as well as Group IncomePlus, a product that provides a guaranteed income stream.
You can modify your investment elections, transfer existing account balances, and obtain information regarding your
investments daily. You can also withdraw a portion of your funds at any time, provided the funds are not subject to
locking-in restrictions, and fees may apply.
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2015 • Canada
Employee Stock Purchase Plan (ESPP)
The work you do every day helps to create value for Stantec. Through the Employee Stock Purchase Plan (ESPP), you
can participate in that value by purchasing registered and non-registered common shares of Stantec Inc. (deducted
from your pay). Stantec is listed on the Toronto Stock Exchange (TSX) and the New York Stock Exchange (NYSE)
under the symbol STN. The Canadian ESPP uses the TSX for all stock trades.
Stantec provides a matching contribution. This additional compensation is a taxable benefit that is reflected in your
paycheque. If the match is under the registered option, you receive a tax break; if it is under the non-registered option,
taxes are deducted. Your gross match is used to purchase stock under both options.
After each pay, Manulife uses your payroll deduction and any additional Company-matching contribution to purchase
shares of Stantec Inc. on the open market and deposit the shares (including fractional shares) into your ESPP
account. You may start, stop, or change your participation in the plan at any time. Any dividends paid to you for shares
purchased under the plan and held by the plan administrator are automatically reinvested in the shares.
You are not required to hold the shares you purchase under the ESPP, and you may sell your shares at any time,
provided you are not in possession of nonpublic, material information. Tax consequences vary when you dispose of
your shares, depending on how long you have held them. We recommend that you contact a tax advisor to determine
the tax consequences of your participation in the ESPP. Sales of shares, from either the registered or non-registered
options, that have not been held for 2 years result in a 12-month suspension of your Company-matching contributions
under both ESPP accounts. During this period, your contributions continue; only the matching contribution is
stopped.
All participants in the ESPP are subject to Company policies and various laws restricting trading on material
nonpublic or “insider” information. If you have questions about these policies and laws, contact a Stantec Corporate
Development team member.
Group Tax-Free Savings Account (Group TFSA)
Whatever your reason for savings, Stantec's Group Tax-Free Savings Account (Group TFSA) can help you achieve
your objectives. A TFSA is a registered savings vehicle. Contributions are made with after-tax dollars, and
withdrawals are tax free. This means the money can be earned in your account and withdrawn at any time without
being taxed (withdrawal fees may apply).
You can direct your contributions into the same investment choices offered under the Group Registered Retirement
Savings Plan (Group RRSP) (excluding Stantec stock).
Milestone Service Award
The Milestone Service Award program recognizes you for your sustained contribution to the success of the Company.
Milestone recognition begins with your fifth year of service and is celebrated every 5 years after that. To participate,
you must be actively employed with Stantec on the day the award is presented. You receive a lump-sum contribution of
$500 to the non-registered ESPP for every 5 years of service. At 10 years, you receive $1,000; at 15 years, $1,500; and at
20 years, $2,000. You receive $2,000 every 5 years after that. Sales of this stock purchase do not cause a suspension in
Company-matching contributions.
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2015 • Canada
Benefits for International Business Travelers
International Business Travel Booking
If you will be traveling for business out of your country of residence (but not between the United States and Canada) for
short- or long-term business, you MUST follow the International Travel Booking Process before leaving. Go to StanNet
to find out about the process or email international@stantec.com for more information. As part of the process, the
Benefits team is notified and will email you details about your benefits plan when you travel internationally.
If you will be traveling between the United States and Canada for short- or long-term business, contact your Human
Resources team representative for applicable details about crossing the border.
Medical Benefits Abroad (MBA) – Short-Term International Business Travel – Cigna
For Stantec’s international business travelers, when expected travel is less than six months outside of your home
country, the MBA program offers accident and illness coverage. This is not to be used for personal travel. There is no
enrollment process for this program. This coverage is automatically in place for all active employees who are traveling
on approved short-term business trips at Stantec’s expense or on assignment outside of their country of residence. For
full details and a member ID card, visit StanNet or contact your Benefits team representative.
This plan generally covers reasonable and customary (R&C) charges associated with an accident or illness, according
to the norms of the country where you receive care. Coverage is provided for medical treatment, hospital admissions,
and prescription coverage resulting from an accident or illness. Routine medical care is not covered.
Expatriate Benefit – Long-Term International Business Travel – Cigna
For Stantec’s international business travelers, when expected travel is over six months out of your home country, an
Expatriate Benefit Program is available to you and your dependents. Contact your Benefits team representative at
benefitsservicecenter@stantec.com before departing to enroll in the program.
Emergency Evacuation – International Business Travel – International SOS
To keep you safe while you are on Stantec business traveling or living outside of your home country (but not between
the United States and Canada), we have a membership program through International SOS. In an emergency (medical
or physical threat), International SOS ensures you get immediate care, whether you need to be evacuated to a center
of medical excellence or your condition needs to be closely monitored by local doctors. (For information about the
personal travel emergency evacuation assistance program, please contact Manulife.)
Additional program and coverage details can be found on StanNet.
Benefits Plan Contacts
For inquiries related to any benefits plan, including retirement and leaves of absence, please contact Stantec's
Benefits Service Center at (877) 418-1459 and ask to be directed to the appropriate area. You will get assistance
from a benefit provider or Stantec Benefits team member.
You can also email your inquiries to benefitsservicecenter@stantec.com, and a Stantec Benefits team member
will respond within two business days.
Additional plan details, including group numbers and other direct contact information, can be found on StanNet
or at www.manulife.ca/stantec.
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2015 • Canada
Benefits Plan Costs
By enrolling in the Stantec benefits plan, you give Stantec the authority to pay your benefit premiums (current as well
as changed or missed deductions) as a payroll deduction from your earnings. Although you are paid biweekly, benefit
premiums are taken semimonthly (there is a third pay in two months of the year when no deductions are taken).
Retirement plan contributions are made on all 26 pays.
The monthly costs follow:
Medical –
EHC, Emergency
Travel, & Vision
Total Monthly Cost –
Employer and
Employee
Monthly Cost –
Employee
Single
$68.00
$13.60
Family
$171.00
$34.20
Provincial Health Care (PHC)
BCMSP*
Dental
Single
$45.00
$9.00
Family
$134.00
$26.80
Monthly Cost
Single
$72.00 – 100% employer paid
Couple
$130.50 – 100% employer paid
Family
$144.00 – 100% employer paid
(all other provinces do not have premiums)
All Provinces
Provincial Plan Replacement
(PPR) – if in waiting period
for PHC
100% employer paid
*MSP reflects as HIBC on your pay statement and is a taxable benefit.
Wellness Program
Monthly Cost
Kersh – employee
100% employer paid
Alere Smoking and Tobacco Cessation – employee and eligible dependents
100% employer paid
Health Service Navigator (HSN) – employee and eligible dependents
100% employer paid
Basic Life – 1x Base Annual Salary
Monthly Cost
Employee only
100% employer paid (taxable benefit)
Supplemental Life – 2x Base Annual Salary
Monthly Cost per $1,000
Employee only
$0.155 employee paid
Dependent Life
Monthly Cost
Employee’s family
$2.69 employer paid (taxable benefit)
Health Care Spending Account (HCSA) and Wellness Spending Account (WSA)
Administrative Cost
Single
100% employer-paid administration
$252 annual employer contributions to your
HCSA, WSA, or combination*
Family
100% employer-paid administration
$600 annual employer contributions to your
HCSA, WSA, or combination*
Wellness Program participants
100% employer-paid administration
Annual employer contribution to your HCSA or WSA
(or a portion to each)**
$300 – Gold
$200 – Silver
$50 – Bronze
All HCSA expenses claimed and reimbursed in Quebec are taxable. All WSA expenses claimed and reimbursed are taxable.
* New hire contributions will be prorated.
** Participants must achieve the points listed in the Incentive Plan to earn the corresponding incentive credits. New hires and newly eligible participants must achieve
the points listed in the prorated chart to earn the corresponding incentive credits.
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2015 • Canada
Optional Term Life – Employee or Spouse
Monthly Rates per $1,000 – Employee paid
Age Brackets
Nonsmoker Rates
Male
Smoker Rates
Male
Nonsmoker Rates
Female
Smoker Rates
Female
Under 25
0.046
0.073
0.014
0.024
25 to 29
0.039
0.062
0.020
0.034
30 to 34
0.044
0.077
0.033
0.057
35 to 39
0.056
0.099
0.052
0.091
40 to 44
0.080
0.142
0.076
0.133
45 to 49
0.127
0.226
0.117
0.208
50 to 54
0.235
0.423
0.211
0.378
55 to 59
0.435
0.803
0.337
0.620
60 to 64
0.635
1.201
0.404
0.762
N/A
N/A
N/A
N/A
65 and over
Basic and Supplemental AD&D
Monthly Cost
Employee only
100% employer paid (taxable benefit)
Optional AD&D
Monthly Employee Rate per $1,000
Monthly Family Rate per $1,000
Employee and/or family
$.018 employee paid
$.027 employee paid
Optional Critical Illness – Employee or Spouse
Monthly rates per $1,000 – Employee paid
Age Brackets
Nonsmoker Rates
Male
Smoker Rates
Male
Nonsmoker Rates
Female
Smoker Rates
Female
Under 25
0.074
0.087
0.075
0.083
25 to 29
0.083
0.099
0.087
0.098
30 to 34
0.100
0.133
0.118
0.139
35 to 39
0.129
0.206
0.165
0.212
40 to 44
0.196
0.357
0.240
0.332
45 to 49
0.326
0.613
0.360
0.522
50 to 54
0.547
1.039
0.529
0.809
55 to 59
0.878
1.707
0.740
1.228
60 to 64
1.368
2.553
1.004
1.737
N/A
N/A
N/A
N/A
65 and over
Employee and Family Assistance Program (EFAP)
Monthly Cost
Employee and family
100% employer paid
Identity (ID) Theft
Monthly Cost
Employee and family
100% employer paid
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2015 • Canada
Retirement
Cost *
Group Registered Retirement Savings Plan (Group RRSP)
100% of the first 3% in Company-matching contributions
Employee Stock Purchase Plan (ESPP)
50% of the first 4% across the registered and non-registered options
in Company-matching contributions
Group Tax-Free Savings Plan (Group TFSA)
No Company-matching contributions apply
*100% employer-paid administration
Return to Health – Short-Term Disability (STD)
Monthly Cost
Employee only
100% employer paid
Return to Health – Long-Term Disability (LTD)
Cost
Employee only
100% employee paid
Monthly benefit x 1.07/100
Example calculation:
Annual salary: $65,000; Monthly salary: $5,416.67
67% of first $2,500 = $1,675.00
52.5% of next $2,500 = $1,312.50
40% of remaining $416.67 = $166.67
Monthly benefit (rounded) = $3,155 (1,675.00 + 1,312.50 + 166.67)
Monthly cost: $3,155/100 x 1.07 = $33.76
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