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Benefits Support Sheena Hanna, (519) 434-6893 Ext 234
Benefits Administrator The Rev. Canon Willi Kammerer, (519) 434-6893 Ext 224
FOR CLAIMS STATUS AND COVERAGE INQUIRIES, PLEASE CALL THE FOLLOWING
HELP LINE AT MARITIME LIFE
1-800-465-2071
For other inquiries, please call your Benefits Administrator at the Church House
a) Continuing Education Plan
Provides clergy and Church House staff $600, for continuing education. In addition, there is a bonus for use of 5% effective January 1, 2004. NOTE: a limitation has been placed on the amount of benefit for computer hardware/software. The limit is $1,000 once every three years.
Cost: Employer contributes $ 500.00 per year.
Employee contributes $ 100.00 per year.
b) Dependent Life Insurance
$4,000 life insurance on an employee's spouse and $2,000 on each eligible dependent child.
- Employee pays full premium.
c) Dental Plan
Eligible members may choose from the following:
Basic Dental Plan:
Reimburses an employee for 66.7% of eligible expenses for himself/herself and eligible dependents, to a maximum of $1000 per calendar year, per plan member.
- Eligible expenses include examinations at least nine full months apart and for children under age 16, six full months apart, cleaning and scaling, x-rays as required, fillings, extractions, periodontics, endodontics and surgical procedures.
OR:
Enhanced Dental Plan:
Reimburses an employee for 75% of eligible expenses for himself/herself and eligible dependents, and 50% reimbursement of expenses for major restorative for (crowns, bridges, dentures) services to a maximum of $1500 per calendar year.
- Eligible expenses as with basic
- Employer/Employee share premium
As of January 1, 2002 Executive Committee approved the following changes to the
Diocese of Huron Benefit Plan:
- No semi-private coverage
- $9.00 cap on prescription dispensing fees
- Increased the drug co-pay to 15%
-
Co-pay, as illustrated in the table below, for Basic and Enhanced Benefits
The following grid illustrates the cost of benefit breakdown (costs are before 8% tax):
BENEFIT |
STATUS |
|
EMPLOYEE COST |
Active Member BASIC |
SINGLE |
Health |
$5.00 |
|
FAMILY |
Health |
$8.49 |
|
SINGLE |
Dental |
$.94 |
|
FAMILY |
Dental |
$2.71 |
Active Member ENHANCED |
SINGLE |
Health |
$17.89 |
|
FAMILY |
Health |
$33.70 |
|
SINGLE |
Dental |
$16.06 |
|
FAMILY |
Dental |
$35.13 |
d) General Synod Pension Plan
A career-average defined benefit plan
- Employee contributes 4.4% of salary for pension purposes.
- Employer contributes 8.3% of salary for pension purposes
- Provides a pension for the employee, or surviving spouse.
e) Group Life Insurance and Accidental Death and Dismemberment - Maritime Life
2½ times annual earnings, minus $10,000 rounded to the next higher $1,000 to a maximum of $190,000. The $10,000 is covered by the General Synod Self Insured Death Benefit. (Must have 5 years in Plan).
- Insurance benefits terminate at retirement or age 65, replaced by a $4,000 Self Insured
- Death Benefit from General Synod
- Employee pays full premium.
f) Short Term Disability Plan - Diocese of Huron
Paid by salary source
- First 4 weeks 100%
- Weeks 5 and 6, 85% during EI waiting period
- Top up EI Benefits to 85% to week 17 (119 days)
g) Long Term Disability Plan - General Synod for those disabled January 1, 2005 or after
Non Taxable Benefit
- 60% of predisability earnings
- Maximum monthly benefit from all sources is 85% of your salary.
- Waiting period: 119 days.
- Benefit duration: to age 65.
- First two years "own occupation and after that "any occupation".
- Employers will make contributions to the LTD plan at a rate of 2.2.%. Employees will make after tax contributions to the old LTD plan of 0.4% of pensionable salary and 0% to the new LTD plan.
- For more information contact the Pension Office at (416)924-9192 or 1(800)265-1070
h) Major Medical Health Insurance
Eligible members may choose from:
Basic Major Medical (include with basic dental)
Eligible expenses include:
- Prescription drugs which must be dispensed by a licensed pharmacist, with a 10% co-pay per prescription to maximum out of pocket expenses of $500 per calendar year
- Out of province/country: coverage limited to 4 weeks while traveling or on vacation
- In-home private nursing services to a lifetime maximum of $10,000
- Paramedical services at $500 per calendar year per practitioner, and $300 for
Massage Therapy (RMT required)
- Expenses for eye examinations incurred November 1, 2004 and later to a maximum of $50 every 24 months per plan member insured.
- 15 visit deductible per calendar year for chiropractic expenses incurred January 1, 2005 or late
OR:
Enhanced Major Medical:
Eligible expenses include:
- As with basic major medical, plus
- Vision care to a maximum of $150 per every 24 month per
Employer/employee share premium
i) Retiring Benefit
Provides lay employees of the Huron Church House with a lump sum payment or at his/her option, in equal installments over five years upon application, a retiring gift provided employee retirees from the diocese..
Benefit:
- a sum at the rate of $108 per month of service in the Diocese up to the date of retirement or to age 65, whichever occurs first.
Note:
- if the employee dies in active service, the Retiring Benefit is not paid to the survivor as the Group Life Insurance benefit is paid to the named beneficiary.
Cost:
- the Diocese contributes to the fund annually. Annual contribution is based on Parish Apportionment Receipts and is outlined in Canon 34.
Revised August 10, 2005 |
