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Health and Insurance

Supplementary Death Benefit

This benefit provides a lump sum payable to your designated beneficiary. The payment is equal to twice your basic yearly salary, rounded up to the nearest multiple of $1,000. The premiums are deducted monthly at $0.15 per $1,000 of coverage. This is part of the Public Service Pension Plan. Participation in this plan is compulsory.

Long Term Disability Insurance

This insurance provides you with up to 70% of your basic yearly salary if you become disabled. Benefits are payable after a waiting period of 13 weeks or after all your sick leave credits are used, whichever is later.

For the first 24 months, your disability must prevent you from performing the duties of your position. After 24 months, the disability must prevent you from performing the duties of any commensurate occupation. A commensurate occupation is one for which you are reasonably qualified by training, education or experience. The rate of pay for the commensurate occupation must be at least 2/3 of the current rate for your regular occupation.

Long Term Disability Insurance benefits will continue while the disability lasts, or until your 65th birthday, whichever is earlier.

Coverage is compulsory and monthly premiums are shared by the Government and the employee.

Employee Duty Travel Accident Insurance

All persons employed in the Public Service of the Northwest Territories are eligible to receive this benefit.

The Employer provides an employee benefit Travel Accident Insurance, which insures employees against accidents, which may occur while the employee, is traveling “on the business of the insured”.

The term “on the business of the insured” means any trip on assignment by or with the authorization of the Employer for the purpose of furthering the business of the Employer.

At no cost to the employees, this policy provides:

  1. Accidental Death and Dismemberment
    • $200,000.00 Principal Sum
  2. Weekly Indemnity
  3. The lesser of:
    • (a)$250.00; or
    • (b)70% of the employee’s normal weekly earnings, or
    • (c)100% of your normal weekly earnings reduced by the amount of any weekly benefit which is payable to you by the Workers’ Compensation Board, or any other government agency in respect of the your disability. In no case shall the weekly income benefit be less than $100.00.
  4. Medical Expense
    • $10,000.00 maximum

The following schedule sets out the benefits for loss occurring within 365 days from the date of an accident, and resulting directly and independently of all other causes from accidental bodily injuries sustained by an employee:

Proportion of Principal

Sum Payable by Insurer
 
For Loss Of Life 100 percent
For total and permanent loss of
Hearing in both ears or speech
66 2/3 percent
Hearing in one ear 16 2/3 percent
For permanent loss or total permanent loss of use of
Both hands at or above wrists
100 percent
Both feet at or above ankles 100 percent
One hand at or above wrist and one foot at or above ankle 100 percent
Entire sight of both eyes 100 percent
One hand at or above wrist and entire sight of one eye 100 percent
One foot at or above ankle and entire sight of one eye 100 percent
One arm at or above elbow 75 percent
One leg at or above knee 75 percent
Either hand at or above wrist 66 2/3 percent
Either foot at or above ankle 66 2/3 percent
Thumb and index finger of either hand at or above metacarpo-phalangeal joints 33 1/3 percent

If you should sustain more than one of the losses described above as the result of any one accident, the Insurer will pay the amount stated for each such loss up to but not exceeding in aggregate the amount referred to in the Schedule as the Principal Sum Benefit.

The indemnities set forth in this policy are in addition to any other benefits which may be payable by the Government of the Northwest Territories or by any insurance plan or scheme in which the Government participates with the employees.

Dental Plan

The plan provides you with 100% reimbursement for all eligible expenses, subject to a yearly deductible of $25 for single coverage and $50 for family coverage. Major restorative work (crowns, bridges, dentures, etc.) is reimbursed at 50%. Dental coverage (excluding orthodontic services) is limited to $1,500 per year per dependant.

The plan provides orthodontic coverage for your dependants under the age of 19. Reimbursement is limited to 50% of actual costs, to a maximum of $4,000 per dependant per lifetime.

Coverage comes into effect after six months of continuous employment. This waiting period does not apply if you terminate employment and are rehired within three months.

Details of the plan are outlined in the Dental Plan Booklet.

Public Service Management Insurance Plan (PSMIP)

This life insurance plan has four parts:

  • Basic Life - one year of basic salary;
  • Supplementary Life - one year of basic salary;
  • Accidental Death and Dismemberment - up to $250,000 for accidental death or an appropriate percentage payable for dismemberment; and
  • Dependants' Insurance - both life insurance and accidental death and dismemberment benefits (double indemnity) of $5,000 for your spouse and $2,500 for each dependent child over 14 days of age.

Participation in all PSMIP insurance plans is optional. The monthly premiums are based on age and basic salary and are deducted from your salary.

Details of these plans are outlined in the PSMIP booklet.

Public Service Health Care Plan (PSHCP)

PSHCP is a supplementary health care plan. Participation, including the level of coverage, is optional. Monthly premiums for Level I coverage are paid by the Employer. Monthly premiums for Level II and III are shared by the employee and Employer.

This insurance provides 80% reimbursement for all eligible expenses, subject to a yearly deductible of $60 for single coverage and $100 for family coverage.

This insurance provides extended health care benefits (in addition to the Northwest Territories Extended Health Care Benefits) for specialist services, prescription drugs, vision care, rental of hospital equipment, nursing assistance, ambulance services, etc. Hospital benefits are also available, and there is reimbursement for the cost of semi-private or private rooms up to $60 per day under Level I, $140 per day under Level II and $220 per day under Level III.

Details of this plan are outlined in the PSHCP booklet.