Certificated Staff Overview

Introduction

As an employee of Edmonton Catholic Schools, group insurance benefits are available to you.  The cost of the group insurance benefits is shared between employees and Edmonton Catholic Schools. 

The plan benefits are provided through:

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Eligibility

Teacher on a temporary, probationary, or continuous contract working a minimum of .2 F.T.E./8 hours per week are eligible for coverage by the group insurance plan along with their "dependents".  The coverage commences on the first day of employment provided the employee is actively at work.

Life Insurance, Accidental Death & Dismemberment, and Extended Disability coverage is a condition of employment it cannot be waived.  You may, however, opt out of other benefits such as Dental, Extended Health Care, Vision & Hearing Aid Care , and Alberta Health and Wellness only if you have coverage through your spouse.

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Dependents

The term "dependent" means your spouse, either legal or common-law*; and unmarried children (of either your legal spouse or your common-law spouse) who reside with you in a regular parent-child relationship and who are:

• Under 21 years of age; or
• Under 25 of age and attending a college or university full-time; or
• Mentally or physically handicapped, entirely dependent upon you for support and maintenance and covered under the group insurance plan prior to age 21.

*Common-law spouse means a person is publicly represented as your spouse, and has resided with you for two years.

Group insurance plan coverage for dependents you have when you join the plan commences on your effective date.  Group insurance coverage for dependents you acquire after you join the plan is effective on the date of birth for new born children, the date of marriage if we have been advised prior to the marriage, or the date we are advised of the marriage.  You must, however, notify Benefits/Human Resource Services within 31 days to add your spouse and each dependent child to avoid the late applicant restrictions.

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Termination of Group Insurance Plan Coverage

Group insurance plan coverage for you and/or your dependent(s) ends:

• when you and/or your dependents are no longer eligible (e.g. you are no longer working, or your dependents reach the maximum age); or
• if you are a non-retired employee, on the June 30^th immediately following attainment at age 65 (Extended Disability Benefit terminates on the last day of the month following the month in which the employee reaches age 65), or
• if you are a retired employee, at the end of the month in which you have your 65^th birthday.

Most group insurance plan coverage may be continued during:

• temporary lay-off, strike or lockout  to the end of the month following the month in which you stopped working.

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Retired Employees

Retired employees and their dependents are eligible to be covered by the group insurance plan if they are at least 50 years old with 5 or more years of cumulative employment with Edmonton Catholic Schools.  You must apply for group insurance coverage before retiring and must remain a resident of Canada.

You may, by choosing Option 1, continue the same group insurance plan coverage you had before retiring (except for extended disability which is not available to retired employees), or choose Option 2 which is a reduced level of benefits, or discontinue group insurance plan coverage completely.  The employee will pay the full cost of group insurance plan benefits.

Note: Should you decide to discontinue group insurance you may still convert your life insurance to an individual policy at market rates.

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Claims

Claim forms for Extended Health Care, Dental, and Vision & Hearing claims, are available at your work location or can be printed from the ASEBP's web site at www.asebp.ab.ca.  Claims must be submitted within 18 months of the date the expense is incurred. Claims more than 18 months old will not be paid.

Prescription medication claims will be processed electronically within seconds if you show your ASEBP direct bill payment identification card to your pharmacist.  For expenses not covered by the plan, the Pharmacist can request additional payment from you.  If you purchase medication that cannot be direct billed (either in or outside Alberta), please submit a completed ASEBP Extended Health Care claim form along with the original receipt.

For Dental claims, an ASEBP claim form or an Alberta Dental Association's standard claim form is acceptable.  Employees must include their Social Insurance Number as their identification number on dental claims only.  Your Dentist may also submit a claim using the Electronic Data Information (EDI) system.  The EDI system expedites reimbursement to the covered member or dentist by automatically verifying eligibility and coverage amounts.

ASEBP recommends that you submit a dental pre-determination well in advance for any proposed treatment if the estimated cost is $500 or more.  Pre-determinations can be submitted on the ASEBP's Dental claim form, an Alberta Dental Association's standard claim form, or by electronic submission.  Clearly mark any mailed submissions as "pre-determinations".

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