Benefits

As a member of the Louis Riel Teachers’ Association you are entitled to a number of benefits. Listed below are some of the links to specific information for teachers in Louis Riel. You can also visit sites through the Manitoba Teachers' Society at www.mbteach.org/health-benefits/group-benefits.html

The summaries below are provided for your convenience. In the event of any difference between the terms in these summaries and those of the Group Agreement, the terms of the Agreement shall prevail.

Blue Cross Dental Benefits

Blue Cross dental coverage is compulsory for all contract teachers. New employees become eligible for benefits immediately (providing an application has been received). This monthly premium is in pre-tax dollars. To opt out of the Blue Cross dental plan, the employee must complete the Waiver of Benefits – Dental Plan form and provide proof of spousal coverage. If an application or proof of spousal coverage is not received the employee will be deducted the monthly premiums through payroll.

Dental benefits are subject to a maximum of $1500.00 per person per calendar year. Plan participants will be reimbursed 80 percent for “Basic” and “Major” dental services and 50 percent for Orthodontics for dependent children under the age of nineteen. There are single, couple and family premium rates.

Teachers working less than 30 percent contract time are not eligible for this plan while teachers signed to a Limited Term Teacher – General contract are only eligible if their contract is for 60 consecutive teaching days or more in the school year.

Blue Cross Extended Health Benefits

Blue Cross extended health coverage is compulsory for all contract teachers working 30 percent or more. New employees become eligible for benefits immediately (providing an application has been received). The employee pays the monthly premium. To opt out of the Blue Cross extended health plan, the employee must complete the Waiver of Benefits – Extended Health Plan form and provide proof of spousal coverage. If an application or proof of spousal coverage is not received the employee will be deducted the monthly premiums through payroll.

Coverage is optional for employees working less than 30 percent full-time and will only be deducted through payroll if an application has been received. Employees will be reimbursed 80 percent of eligible expenses not covered by your provincial health plan.

Prescription Drugs

Plan participants will be notified to register with Pharmacare when incurred costs for drugs or medicines have reached $1000.00 per contract during the Pharmacare year. If proof of registration is not received, payment of charges for drugs will be suspended once the incurred costs reach $1500.00 per contract during that Pharmacare year. Once proof of registration with Pharmacare is received payment for eligible prescriptions will resume. The same rule applies to dependent children except the drug maximum is $100.00 and the suspension occurs at the $200.00 maximum.

Unlimited Travel Health Benefits

Coverage is provided while traveling on vacation or business providing the trip is less than 90 days.

Ambulance Service

Full coverage is provided within the province.

Blue Cross Customer E-Service

Customer E-service is now available for subscribers to register and get plan information. Simply register online (www.mb.bluecross.ca). It gives you 24 hour, 7 days a week access to:

• Plan information
• Benefit details
• Claim information
• On-line claim forms
• Temporary ID card

It is recommended that you access these links and any personal health information from a secure browser.

Sick Leave- Article 6.00 of the Collective Agreement

Sick days accumulate at the rate of 20 days per year when employment is for the full school year. They accumulate to a maximum of 124 days. Part-time teachers receive a pro-rata share of sick days based on full-time equivalency.

Manitoba Teachers Society Disability Benefits Plan (LTD)

This insurance is compulsory for all contract teachers hired for a period of more than 40 days. The premium is employee-paid (1.88 percent of gross salary). Should a claim be processed, the benefit income provided through this insurance is 80 percent of pre-disability net income. No application or enrolment form is necessary to join this plan.
Teachers working thirty percent and above contract time are eligible to join this plan. Teachers working less than 30 percent contract time are not covered under the terms of this plan.

Group Short Term Disability Plan

This insurance is compulsory for all contract teachers hired for a period of more than 40 days. The benefits start after all accumulated sick leave has been used and continues up to the qualifying period for the above MTS Disability Benefit (80 days). The premium is employee paid (0.17 percent of gross salary). No application or enrolment form is necessary to join.

Group Life Insurance Plan

Basic Life insurance is compulsory for all teachers under contract. The minimum benefit is 200 percent of annual earnings. The premium for the first 200 percent of coverage is employee-employer shared (50/50). Additional optional life insurance is available at the teacher’s expense.

Accidental Death, Dismemberment & Loss of Sight (AD&D) insurance is optional. You may choose coverage in units from a minimum of $15,000.00 to a maximum of $300,000.00 (Single coverage = $0.50 per $15,000.00 unit and Family coverage = $0.75 per $15,000.00 unit).

Family Life Insurance is optional at a premium of $3.00 per month.

Teachers’ Retirement Allowances Fund (TRAF)

The pension plan is compulsory. 6.8 percent of gross salary up to the Yearly Maximum Pensionable Earnings (YMPE) is deducted for pension (TRAF). In addition, 8.4 percent is deducted from earnings above the YMPE amount ($47,200.00). No application or enrolment form is required.

Leaves Available to Teachers

See the link on the Collective Agreement page.