GFTH Special Health & Dental Benefits
As an employee with a GFTH Clinical appointment, and an annual salary of $0-$24,999, you have the option to enrol in the McGill Supplemental Health and Dental Plans under the special GFTH Health and Dental Program. If you choose to join, you will be responsible for the entire cost of the Plans.
Supplemental Health and Dental Plans
Refer to Health and Dental Plans - Eligible Dependents for information about eligible dependents.
Please note the following:
• Participation in the Supplemental Health Plan is mandatory, unless you are covered under another group plan (and provide proof of this alternate coverage). This is in accordance with the regulations of the Regie de l’assurance maladie du Quebec (RAMQ). Once enrolled in the Supplemental Health Plan, you must remain in this plan unless you have health coverage under another private insurance plan.
• Coverage in the Dental Plan is optional; if you refuse at the initial offer, your next eligibility to join will be in three years. Once enrolled in the Dental Plan, you are expected to remain in the plan for at least three (3) years, unless you have dental coverage under another group insurance plan.
For information on opting out of the Plans, please refer to Health and Dental Plans/Opting Out - Opting In
• Coverage will automatically cease if you no longer have an eligible GFTH appointment. There is no continuation of benefits post-retirement.
You will be responsible for the entire cost of the Plans. Effective January 1, 2014, the University will be switching from a semi-monthly pay frequency to a bi-weekly pay frequency.
2013 contributions (monthly rates):
Single coverage Family coverage
Health $92.43 $182.08
Dental $56.89 $127.22
Add 9% sales tax
Rates are based on the experience of this group and are subject to change annually.
Payment of benefit contributions
If you have a salaried appointment: contributions will be deducted from your paycheque.
If you have an appointintment with $0 salary: contributions will automatically be deducted from your bank account through semi-monthly bank withdrawals.
How to Enrol for Health and Dental Benefits
You will initially be offered participation in the McGill Supplemental Health and Dental Plans when you become eligible for these benefits. The HR Service Centre will send you the necessary information and enrolment form.
If you refuse participation in the Plan(s):
- You will be re-offered the opportunity join every 3 years,
- If you wish to join the Plan(s) at a later date, before the 3 year period has passed, you may do so if you have lost coverage under another private insurance plan. You will need to provide written proof of loss of this coverage (eg. letter from employer or insurance carrier).
For more information about the Supplemental Health and Dental Plans and how to enrol, contact the HR Service Centre at hrhr [at] mcgill [dot] ca or (514) 398-4747.
Life Insurance - Manulife's Personal Life Benefit
You also have access to Manulife’s Personal Life Benefit. You purchase this coverage directly from Manulife. Available coverage ranges from $25,000 to a maximum of $500,000 for you, your spouse and children. Since you purchase this directly from Manulife there are no payroll deductions for this coverage. For more information, or to apply for coverage, please contact Manulife directly at 1-800-268-6195 or visit their website at www.manulife.ca/mypersonalbenefits/life. If you decide to enrol for this coverage, please make sure to use the application form specific to this coverage that is available from this website. You can also obtain more information from Manulife's Personal_Benefits_Brochure
1. When can I join the McGill health and dental plans?
If you did not join when first offered the opportunity join, if you wish to join at a later date, you will need to provide proof that you have lost your group coverage elsewhere. Or, alternatively, if you did not join when first offered, you will be eligible to join 3 years later.
2. Does the eligibility have an expiration date?
Dental Plan: if you lose coverage under another group plan, you have 60 days in which to enroll in the McGill Plan; if you do not enroll within 60 days, you will not be eligible to join until January 1 of the following year.
Health Plan: there is no expiration date, as all residents of Quebec must have prescription drug coverage, and if there is a private group insurance plan available to you, you must join that plan.
3. How will payment of benefit contributions be made?
If you have an appointment with $0 salary: payment will be made by automatic bank withdrawal, twice a month. You will be asked to provide banking information on the enrolment form.
If you have an appointment with salary: benefit contributions will be deducted from your paycheque. If the amount is insufficient to cover the cost of benefits, the balance will be deducted from your bank account by automatic bank withdrawal.
4. Is there an age limit on the McGill plan for Health Care and particularly for Out of Country coverage?
There is no age limit. However, the Health Plan does not cover prescription drugs for those members who are 65 and older. You will have to enroll with the RAMQ drug plan for drug coverage.
In addition, benefits cease when you no longer have an eligible GFTH appointment. As a result, there is no continuation of benefits post- retirement.
5. Can I continue my health and dental benefits at retirement?
Under the GFTH Special Health and Dental Program, coverage automatically ceases when the employee no longer has an eligible GFTH appointment. As a result, there is no continuation of benefits at retirement.