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Clinical appointment benefits program

Enrollment

Do you have a clinical appointment of at least 9 months duration, and have an annual salary of $0-$24,999?

If so, you have the option to enroll in the McGill Supplemental Health and Dental Plans under the special Clinical Staff Health and Dental Program. If you choose to join, you will be responsible for the entire cost of the Plans. There is no age restriction to enroll, however, the Supplemental 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. 

How to enroll

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 to 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 by hrhr [at] mcgill.ca (email) or at (514) 398-4747.

When can you join the McGill Supplemental Health and Dental plans?

If you did not enroll when first offered the opportunity join, and 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 enroll when first offered, you will be eligible to join 3 years later.

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.

Supplemental 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.



 

Coverage

The Supplemental Health and Dental coverage is identical to that of the full-time benefits plan. For complete coverage information visit Supplemental Health and Dental plans.

Cost of coverage

You will be responsible for the entire cost of the Health and Dental Plans.  Below are the bi-weekly deductions for 2020.

Benefit Coverage Type Bi-weekly Deductions
Supplemental Health

Single

Family

$92.49

$182.18

Dental

Single

Family

$30.81

$68.89

Add 9% sales tax for Québec residents, 8% for residents of Ontario.  Rates are based on the experience of this group and are subject to change annually.      

Payment of benefit contributions

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 enrollment form.

If you have an appointment with salary: benefit contributions will be deducted from your pay cheque.  If the amount is insufficient to cover the cost of benefits, the balance will be deducted from your bank account by automatic bank withdrawal.

Working at age 65

At age 65, the Health Plan no longer provides basic drug coverage.  As a Québec resident,  the Régie de l'assurance-maladie du Québec (RAMQ) will automatically enroll you in their public drug plan at age 65. 

You will also need to register your dependents under the RAMQ drug plan if they do not have access to a private drug plan elsewhere (even if they are less than age 65). If your spouse is under age 65 and has access to a private plan through his/her employer, they will need to contact their employer about their drug coverage. You may want to explore the possibility of being covered as a dependent under your spouse's plan - at least until they reach age 65.

You will need to advise your pharmacist you are covered under the RAMQ drug plan.

You and your dependents will no longer be able to purchase medication with your Manulife benefit card.

Dental Plan

Coverage will not change at age 65.

Submitting a claim

For information on how to submit a claim for health and dental expenses, go here.

Modifying coverage

Changing coverage from family to single

You may change from family to single coverage if you no longer have eligible dependents or such eligible dependents have become covered under another health or dental plan - and you provide written evidence of such.

Change in marital status

If you recently married (common law or civil union)

Supplemental Health Plan

  • Within 60 days of the event, you may switch from single to family coverage. If you miss the 60-day window, your spouse will be added effective January 1st of the following year.
  • If your spouse has no other health coverage, he/she will be added immediately.
  • If you already have family coverage, your spouse will be added at no extra cost.

Dental Plan

  • You may switch from single to family coverage within 60 days of the event. If you miss the 60-day window, your spouse will be registered for coverage under the Dental Plan, effective January 1st of the following year.
  • If you already have family coverage, your spouse will be added at no additional cost.
  • To register a change, please contact the Human Resources Service Centre at (514) 398-4747 or by hr.hr [at] mcgill.ca (email) as soon as possible following a life event.

If you divorce, separate or your spouse dies

Supplemental Health Plan

  • You may switch from family to single coverage, provided there are no eligible children covered under the plan.
  • If you are under 65, you must (re)join the McGill Supplemental Health Plan if you were previously covered under your spouse's group benefit program.

Dental Plan

  • You may switch from family to single coverage, provided there are no eligible children covered under the plan.
  • If you were previously covered under your spouse's group benefit program, you may (re)join the McGill Dental Plan within 60 days of the event. If you miss the 60-day window, you will be registered for coverage effective January 1st of the following year.
  • Making changes: To register a change, please contact the Human Resources Service Centre at (514) 398-4747 or or by hr.hr [at] mcgill.ca (email) as soon as possible following a life event.

Eligible dependent children

If a child assumes full-time employment or turns 21 (26 if a full-time student)

  • The child no longer qualifies for coverage under the Supplemental Health Plan and/or Dental Plan.
  • If this is your last eligible family member, you need to switch from family to single coverage.

If you have or adopt a child

Supplemental Health Plan

  • You must switch from single to family coverage, unless your child is covered under your spouse's group health plan.
  • If you already have family coverage under the McGill Supplemental Health Plan, the child will be added at no additional cost.

Dental Plan

  • You may switch from single to family coverage within:
  • 60 days of the event, or
  • 60 days immediately following the child's third birthday.

If you miss the 60-day window, your child will be registered for coverage under the McGill Dental Plan, effective January 1st of the following year.

If your spouse loses coverage under their benefit plan

Supplemental Health Plan

  • If you were covered under your spouse's plan: You must join the McGill Supplemental Health Plan and furnish proof that your spouse no longer has coverage.
  • If you are covered under the McGill supplemental health plan for Contract Academic Staff: You may switch from single to family coverage, provided you furnish proof that your spouse no longer has coverage.

Dental Plan

  • If you were covered under your spouse's plan: You may join the McGill Dental Plan within 60 days of the event provided you furnish proof that your spouse no longer has coverage. If you miss the 60-day window, you will be registered for coverage effective January 1st of the following year.
  • If you are covered under the McGill dental plan for Contract Academic Staff: You may switch from single to family coverage within 60 days of the event, provided you furnish proof that your spouse no longer has coverage. If you miss the 60-day window, you will be registered for coverage effective January 1st of the following year.

When coverage ceases

Coverage under the Clinical Supplemental Health and Dental Program ceases when:

  • you no longer have an eligible clinical appointment,
  • a change in status results in an annual salary of $25,000 or more (making you eligible for the McGill Employee Benefits Program for part-time staff),
  • you retire.  Benefits do not continue post-retirement.
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