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Benefits at a glance

As a regular employee, you are eligible to participate in the McGill Benefit Program.

By choosing "family coverage," you can also choose to extend the same coverage under the Supplemental Health(including Emergency Out-of-country Medical coverage) and/or Dental Plans to your eligible spouse and children.

This section offers a brief summary of the benefits available to you under the McGill Benefits Program. For more detailed information, please refer to the specific plan sections on this site. Alternatively, you can contact the HR Service Centre at 514-398-4747 or hrhr [at] mcgill [dot] ca.


Supplemental Health (Manulife Financial - Policy 85210)

 

What the plan covers

H is for Health

  • 100% semi-private hospital coverage (80% for chronic, convalescent or rehabilitative hospital).
  • 80% of eligible medical practitioners, subject to certain limitations and restrictions
  • 75% of eligible medical services and procedures, subject to certain limitations and restrictions (except eye exams, see below).
  • 100% emergency medical coverage and travel assistance while travelling outside your province of residence (including outside of Canada). Coverage is limited to 90 days per trip. If you are travelling on University business (sabbatical leaves, conferences, etc.), coverage will continue past the first 90 days of your trip, provided you remain eligible for Medicare coverage. Refer to the Emergency Travel Assistance section for important information.
  • 100% of the cost of one eye exam rendered by a licensed optometrist or an ophthalmologist registered under Medicare limited to a maximum of $70 once every 24 consecutive months.

Out of pocket maximum:

  • $400 per year for single coverage.
  • $800 per year for family coverage.

100% of expenses once the out of pocket maximum is reached.


There is no deductible under the Supplemental Health Plan.
 

Who the plan covers

  • Member only, or
  • Member plus eligible spouse and children.

Who pays for coverage

  • Shared equally by you and McGill.
  • Cost depends on whether you select single or family coverage.

If you leave McGill before retirement

Coverage ends.

If you become disabled

Coverage continues while you are eligible for benefits under the McGill LTD Plan, provided you pay your share of plan costs.  In the case of an active member whose employment terminates while they are in receipt of LTD payments, the continuation of the Pension Plan, Health Plan and Dental Plan shall not extend beyond the employment end date.

If you retire

Coverage can continue, provided you had coverage prior to retirement.

If you die

Before retirement

If you die before retirement, and were under age 65, and you had family coverage, your spouse and eligible dependent children can choose to continue coverage under the plan for up to three (3) months, provided they pay both their share and the University's share of the benefit cost.

If you die before retirement, and you were 65 and over, and you had family coverage, your spouse (and eligible dependent children)can choose to continue coverage under the plan indefinitely, provided they pay their share of the benefit cost.

After retirement

If you die after retirement (regardless of your age), and you had family coverage, your spouse (and eligible dependent children) can choose to continue coverage under the plan indefinitely, provided they pay their share of the benefit cost.

 


Dental Care (Manulife Financial - Policy 85210)

 

What the plan covers

D is for Dental

  • 100% of eligible preventive services,
  • 80% of eligible restorative services.
  • 70% of eligible major services.
  • 80% of eligible endo/perio services.

These services are covered up to a combined annual max of $2,000 per person.

  • The plan also covers 50% orthodontia (for patients under 21 years of age) up to a lifetime max of $2,500 per person.

Who the plan covers

  • Member only, or
  • Member plus eligible spouse and children.

Who pays for coverage

Shared equally by you and McGill.

Cost depends on whether you select single or family coverage.

If you leave McGill before retirement

Coverage ends.

Coverage can continue for up to 31 days to complete a course of treatment begun prior to your termination.

If you become disabled

Coverage continues while you are eligible for benefits under the McGill LTD Plan, provided you pay your share of plan costs. In the case of an active member whose employment terminates while they are in receipt of LTD payments, the continuation of the Pension Plan, Health Plan and Dental Plan shall not extend beyond the employment end date

If you retire from McGill

Coverage can continue, provided you had coverage prior to retirement.

If you die

Before retirement

If you die before retirement, and were under age 65, and you had family coverage, your spouse and eligible dependent children can choose to continue coverage under the plan for up to three (3) months, provided they pay both their share and the University's share of the benefit cost.

If you die before retirement, and were 65 and over, and you had family coverage, your spouse and eligible dependent children can continue coverage under the plan indefinitely, provided they pay their share of the benefit cost.

After retirement

If you die after retirement (regardless of your age) and you had family coverage, your spouse can choose to continue coverage under the plan indefinitely, provided they pay their share of the benefit cost.

 


Short Term Disability

 

What the plan covers

The plan will continue to pay 100% of your salary for up to six months.

Who the plan covers

Member only.

Who pays for coverage

McGill pays the full cost.

If you leave McGill before retirement

Coverage ends.

If you die

Coverage ends.

If you retire from McGill

Coverage ends.


Long Term Disability

 

What the plan covers

L is for Long-term care protection

If a disability keeps you away from work for longer than six months, the LTD Plan will provide you with a regular income. Under the terms of the LTD Plan, you will receive a monthly non-taxable disability income equal to:

  • 60% of first $3,000 of covered monthly earnings, plus
  • 45% of the balance of covered monthly earnings.

The maximum monthly benefit payable is $5,325, subject to plan restrictions.

Who the plan covers

Member only.

Who pays for coverage

You pay the full cost.

Note: because you pay the full cost, any benefits from the plan are paid tax-free.

If you leave McGill before retirement

Coverage ends.

If you die

Coverage ends.

If you retire from McGill

Coverage ends.


Basic Life Insurance

 

What the plan covers

  • While working under age 65: 1 x salary (max. $130,000).
  • If working at age 65 or older: 1/2 x salary (max: $50,000).

Who the plan covers

Member only.

Who pays for coverage

McGill pays the full cost.

If you leave McGill before retirement

You may convert up to $200,000 to an individual policy within 31 days of your termination (includes optional life insurance coverage).

If you become disabled

Coverage continues at no cost while you are eligible for benefits under the McGill LTD Plan.

If you die

Tax-free benefit payable to your beneficiary(ies).

 


Optional Life Insurance

 

What the plan covers

L is for Life insurance

  • While working under age 65: up to $1,000,000 in units of $5,000.
  • If working at age 65 or older: Optional coverage in effect at 65th birthday (max. $100,000).

Who the plan covers

Member only.

Who pays for coverage

You pay the full cost.

Cost depends on your age and the amount of insurance you choose.

If you leave McGill before retirement

You may convert up to $200,000 to an individual policy within 31 days of your termination (includes basic life insurance coverage).

If you become disabled

Coverage continues at no cost while you are eligible for benefits under the McGill LTD Plan.

If you die

Tax-free benefit payable to your beneficiary(ies).

No benefit paid if you commit suicide during the first 12 months of coverage.

If you retire from McGill

Optional coverage in effect at retirement (max. $100,000).

 


Accident Insurance

 

What the plan covers

A is for Accident insurance

  • While working under age 65: 1 x salary (max. $100,000).
  • If working at age 65 or older: 1/2 x salary (max: $50,000).

Who the plan covers

Member only.

Who pays for coverage

McGill pays the full cost.

If you leave McGill before retirement

You may convert your coverage to an individual policy within 90 days of your termination.

If you become disabled

Coverage continues at no cost while you are eligible for benefits under the McGill LTD Plan.

If you die

Benefits payable from the plan if your death is the direct result of an accident.

If you retire from McGill

Coverage ends.


Family Coverage - Supplemental Health and Dental Plans - Who is eligible

 

By choosing "family coverage," you can also choose to extend coverage under the Supplemental Health (including Emergency Out-of-country Medical coverage) and/or Dental Plans to your eligible spouse and children.

Defining your "family"

Spouse

For purposes of your benefits plan, your "spouse" is:

  • a person of either sex with whom you have been living in a conjugal relationship for one year. The one-year cohabitation requirement does not apply when you and your spouse have a child together.
  • as defined under the applicable legislation.

Only one person at a time can be covered as your spouse under the terms of the program.

Child(ren)

The term "child" includes:

  • a child related to you by blood or marriage
  • your spouse's child if living with you
  • a child for whom you are the legal guardian
  • a child you have adopted
  • during the period of probation that precedes adoption, the child you are adopting.

Any child described above must be unmarried, less than 21 years of age and wholly dependent on you for support. You must also have custody and control of that child.

Your unmarried child under 26 years of age is also eligible, if he or she is wholly dependent on you for support and is a full-time student attending (or on vacation from) an educational institution.

A child who is mentally or physically disabled and wholly dependent on your support is also eligible beyond age 21:  Proof of the disability must be submitted within 31 days after the child reaches age 21. The form Application for Health/Dental Coverage for Overage Disabled Dependant Child must be completed in part by Human Resources (HR Service Centre) and then by your child's treating physician.  Submit the form direcly to Manulife Financial for review.  Manulife will send you written confirmation of the results of their review.

NOTE: Under the Quebec Act respecting prescription drug insurance, you and your eligible family members under age 65 must join the McGill Supplemental Health Plan if drug coverage not provided under another group insurance plan.

 

 


***Disclaimer: Full provisions of the individual plans are contained in the official plan documents. If there are any discrepancies between the plan documents and this summary, the terms of the plan documents will apply in all cases. McGill University reserves the right to change, amend or terminate these plans at any time, including post retirement. In addition, rates are subject to change at any time.