KELSEY TEACHERS' ASSOCIATION

EFFECTIVE PERIOD: 2014/07/01 - 2018/06/30 (EXPIRED)

ARTICLE 6 - INSURANCE PLANS

6.01 Group Life Insurance Plan

1) The Board will administer the Manitoba Public School Employees Group Life Insurance Plan, according to the terms and conditions of the Master Policy of the said plan.

2) Unless otherwise excluded, the employee's share of annual premiums shall be deducted in equal amounts from each salary cheque, for all participants in the plan.

3) All employees coming on staff after the effective date of the implementation of the plan in the Division shall be required to participate in the plan, unless granted exclusion by the Trustees of the Manitoba Public School Employees Group Life Insurance Plan.

6.02 - Disability Benefits Plan

Long Term Disability

a) The Board shall deduct from teachers’ salaries the full premium costs prescribed by the Plan and shall forward such premiums on a monthly basis to the Plan.

 b) Any teacher shall be enrolled in the Plan and shall participate in the Plan, in accordance with the terms and conditions of the Plan.

 c) Any teacher entering the Division’s employ shall be enrolled automatically in the Plan and shall have deducted monthly from his/her salary the amount of premiums specified by the Plan.

  d) The Board’s responsibility with respect to the administration of this Plan shall be limited to the following:
  
i) deducting premiums from the teachers;

ii) enrolling newly hired teachers in the Plan;

iii) maintaining records of the teachers who are and are not insured, including maintaining files of application cards, late applicants, teachers whose coverage was rejected on late application, beneficiary designations, and teachers whose coverage has terminated on leaving the Division;

iv) completing a premium statement to accompany premium remittances;

v) distributing plan information to teachers from time to time;

vi) completing a Disability Notification Form and submitting it to the Plan after a teacher has been absent ten (10) consecutive teaching days and where the sickness or disability may result in the filing of a claims for benefits;

vii) reporting to the Plan salary changes for teachers in receipt of benefits.

 e) Save and except for the express responsibilities set out in d) of this article, the Association acknowledges and agrees that the Board neither has nor assumes any responsibility whatsoever with respect to any aspect of the Disability Benefits Plan.

 f) The Association shall indemnify and save the Division from any and all losses, costs, liabilities or expenses suffered or sustained by the Division as a result of any claim or legal action arising from the deduction of premiums or exercise of other responsibilities with respect to the Disability Benefits Plan.

 

Short Term Disability Plan

The following shall be effective fall term 2010:

a)         The Board shall deduct from teachers’ salaries the full premium costs prescribed by the Plan and shall forward such premiums on a monthly basis to the Plan.

b)         All eligible teachers shall be enrolled in the Plan and shall participate in the Plan, in accordance with the terms and conditions of the Plan.

c)         Any teacher entering the Division’s employ shall be enrolled automatically in the Plan and shall have deducted monthly from his/her salary the amount of premiums specified by the Plan.

d)         The Board’s responsibility with respect to the administration of this Plan shall be limited to the following:

              i)         deducting premiums from the teachers;
             ii)         enrolling newly hired eligible teachers in the Plan;
             iii)        completing a premium statement to accompany premium remittances;
             iii)        distributing plan information to teachers from time to time;
             v)         completing a Short Term Disability Notification Form and submitting it to the Plan when a teacher has been absent and where the sickness or disability may result in the filing of a claims or benefits, as per the requirements of the plan;

e)   Save and except for the express responsibilities set out in (d) of this article, the Association acknowledges and agrees that the Board neither has nor assumes any responsibility whatsoever with respect to any aspect of the Short Term Disability Plan.

f) The Association shall indemnify and save the Division from any and all losses, costs, liabilities or expenses suffered or sustained by the Division as a result of any claim or legal action arising from the deduction of premiums or exercise of other responsibilities with respect to the Short Term Disability Plan.

g) The Association will continue to receive 5/12 of the EI Premium Reduction as a result of the Sick Leave Plan and the Short Term Disability Plan.

6.03 - Dental/Extended Health Insurance

(1) The Division will participate in the administration of the Manitoba Public School Employees Dental and Extended Health Benefits Plan(s), (MPSE Dental and EHB Plan(s) in accordance with the terms and conditions of the Agreement entered into by the Division and the Association attached hereto as the (collateral agreement).

(2) All Employees covered by this Collective Agreement that are eligible under the terms of the MPSE Dental Plan and EHB Plan(s) shall be required to participate in the MPSE Dental and EHB Plan(s)  unless entitled to elect out of the Dental and/or EHB Plan(s)  as may be permitted under the terms thereof.

(3) The cost of the MPSE Dental and EHB Plan(s) will be paid by the Division in accordance with the terms and conditions of the Dental and EHB Plan(s) Agreement.

(4) The Division agrees that the Division’s monthly contribution to the MPSE Dental and EHB Plan(s) on behalf of each Employee will be the monthly rate for family coverage (that is, entitlement to coverage for an Employee, his/her spouse, and his/her dependent children, having regard to the definition of spouse and dependent children in the Dental and EHB Plan(s). Provided that an Employee may elect, in prescribed form, for reduced coverage as permitted under the terms of the Dental and EHB Plan(s) in which case the Division agrees to make monthly  payments to the Employee as follows:

a) An Employee with only one dependent (spouse or child) who is entitled to and does so duly elect to opt down from family coverage under the Dental Plan to coverage for Employee and one other family member only, shall receive an amount equal to the difference in the monthly rate between family coverage and coverage for an Employee and one dependent only; or

b) An Employee with neither spouse nor dependent children who is entitled to and does so duly elect to opt down from family coverage under the Dental and Extended Health Plan to coverage for an Employee only, shall receive an amount equal to the difference in the monthly rate between family coverage and coverage for an Employee only; or

c) An Employee who is entitled to and does so duly elect to opt out of all coverage on the basis that the Employee’s spouse has group Dental and/or Extended Health plan coverage, shall receive an amount equal to the monthly rate for family coverage.

6.04 - Extended Health Benefit Plan

a)  The Board shall administer the Manitoba Teachers’ Society Extended Health Benefit Plan.

For purposes of this Agreement, the word “administer” shall mean and be limited to:

i) enrolling all newly hired eligible members;

ii) deducting required monthly premiums from all enrolled teachers;

iii) remitting premiums to the carrier on a monthly basis on the required form;

iv) reporting all changes in family status to the carrier as reported by individual members of the Division;

v) maintaining a supply of pamphlets, brochures and claim forms for distribution to members upon enrollment and/or upon request as is appropriate.  All such materials are to be provided by the carrier;

vi) any other matters agreed to in writing between the parties, from time to time.

b) Except as noted below in (c) and (d), all teachers who are eligible under the terms of the Plan shall be required to participate in the Plan.

c) Where a teacher provides evidence of coverage for Extended Health Benefits through a spousal plan, such member shall be eligible to opt out of this Plan, subject to the terms of this Plan.

d) A teacher who works less than .3 time shall not be required to join the Plan.

e) The obligation of the Division to administer the Plan on behalf of any teacher shall cease upon termination of employment with the Division.

f) Save and except for the express responsibilities set out in this article, the Association acknowledges and agrees that the Board neither has nor assumes any responsibility whatsoever with respect to any aspect of the Extended Health Benefit Plan.

g) The Association shall indemnify and save the Division from any and all losses, costs, liabilities or expenses suffered or sustained by the Division as a result of any claim or legal action arising from the deduction of premiums or exercise of other responsibilities with respect to the Extended Health Benefit Plan.