Carewest Collective Agreement 2020-2024

Article 25: Employee Benefit Plans

1. The Employer shall continue the following group plans for all eligible Employees where enrollment and other requirements of the Insurer for group participation have been met:
   1. Alberta Health Care Insurance Plan, as amended and replaced;
   2. a benefit plan providing for:
      1. Group Life Insurance (one times basic annual earnings rounded up to the next higher one thousand dollars ($1,000.00) with an option for additional life insurance to at least twice annual earnings rounded to the next highest one thousand dollars ($1,000.00));
      2. Accidental Death & Dismemberment Insurance (amount equal to group life insurance);
      3. Short Term Disability (STD) (income replacement for a period of up to one hundred and twenty (120) working days during a qualifying disability equal to sixty-six and two-thirds percent (662/3%) of basic weekly earnings to the established maximum following a seven (7) day elimination period where applicable.  The short-term disability shall become effective on the first working day following the expiry of sick leave credits in the case of absence due to injury or hospitalization.  In the particular case of Employees who have insufficient sick leave credits to satisfy the seven (7) calendar day elimination period, the short-term disability shall commence on the eighth (8th) day following the commencement of non-hospitalized sickness);
      4. Long Term Disability (LTD) (income replacement during a qualifying disability equal to sixty-six and two-thirds percent (662/3%) of basic monthly earnings to the established maximum following a one hundred and twenty (120) working day elimination period);
      5. Alberta Blue Cross Dental Plan, which plan provides eighty percent (80%) reimbursement of basic eligible dental expenses, fifty percent (50%) of extensive eligible dental expenses and fifty percent (50%) of orthodontic eligible dental expenses in accordance with the current Alberta Blue Cross Usual and Customary Dental Fee Schedule and within the limits of the Plan.  A maximum annual reimbursement of three thousand dollars ($3,000.00) per insured person per benefit year shall apply to extensive services.  Orthodontic services shall be subject to a lifetime maximum reimbursement of three thousand dollars ($3,000.00) per insured person.
      6. Alberta Blue Cross Supplementary Health Benefits Plan, or equivalent which includes eighty percent (80%) direct payment provisions for all physician or dentist prescription medication that is eligible under the plan and prescribed in accordance with the plan;
   3. at the Employer’s option, an “El SUB Plan” to supplement an eligible Employee’s Employment Insurance to meet the Employer’s obligation to provide benefit payments during the valid health-related period for being absent from work due to pregnancy for which they are provided satisfactory medical substantiation.  The Employer shall provide information regarding the “EI Sub Plan” to all Employees when they request Parental Leave as per Article 33.06.
2. Where the benefits specified in Article 25.01 are provided through insurance obtained by the Employer, the administration of such plans shall be subject to and governed by the terms and conditions of the applicable benefits policies or contracts.
3. The premiums will be cost shared seventy-five percent (75%) by the Employer and twenty-five percent (25%) by the Employee.
4. During the first twenty-four (24) months an Employee is on LTD, they may continue participation in the Alberta Health Care Insurance Plan by paying the full premium costs to the Employer.  The employment of an Employee may be terminated when they have been on LTD for twenty-four (24) months subject to the requirements of Article 6.
5. An Employee shall cease to earn sick leave credits and vacation credits while on STD and LTD.
6. No Employee who, immediately prior to being covered by the terms and conditions of this Collective Agreement, was entitled to benefit plans providing benefits in excess of those set out herein shall have their benefits reduced, provided, however, that this clause would only apply where the Employee is working for the same Employer at all relevant times.
7. The Employer shall distribute to all Employees brochures and other relevant information concerning the above plans upon hiring, and when there are changes to the plan.
8. 1. Such coverage shall be provided to:
      1. a regular full-time Employee; and
      2. a regular part-time Employee whose hours of work are equal to or greater than fifteen (15) hours per week averaged over one (1) complete cycle of the shift schedule; and
      3. a temporary Employee who is hired to work for a position of six (6) months duration or longer and whose hours of work are equal to or greater than fifteen (15) hours per week averaged over one (1) complete cycle of the shift schedule.
   2. Regular and temporary part-time Employees whose hours of work average less than fifteen (15) hours per week over one (1) complete cycle of the shift schedule, temporary Employees hired for a position of less than six (6) months duration, and casual Employees are not eligible to participate in the Employee Benefits Plan. However, such individuals covered by the Collective Agreement who were enrolled for such benefits on the day prior to the commencement date of this Collective Agreement shall not have benefits discontinued solely due to the application of this provision.
9. 1. The Employer will provide one (1) copy of each of the plans to Union.
   2. The Employer shall advise the Union of all premium rate changes pursuant to Article 25.