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compensation and benefits

benefit retirement package

• Overview
• Supplementary Health Care
• Dental Care Plan
• Life Insurance

Overview

The Calgary Board of Education provides benefit coverage to its employees and their dependents during retirement years. Generally, the plan includes hospital and medical expenses that are not covered by Alberta Health and Wellness, basic and major dental expenses and life insurance. When a retiree turns age 65 they will be issued a paid-up life policy in the amount of $5,000.  All benefits, other than life insurance, will cease at the end of the month in which you reach age 65.

The following section provides a summary of the benefits available to you, the retiree.

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Supplementary Health Care

There is a deductible of $25.00 per person for each benefit year (January 1st to December 31st), with a maximum deductible of $25.00 per family. Once the deductible has been paid, claims will be reimbursed for 80% of the following medical expenses.

What Is Covered:

Hospital Services

• The difference in cost between ward and semi-private accommodation

Major Medical Services

• Prescription drugs and medicines-prescribed by a doctor and dispensed by a licensed pharmacist
• Ambulance-local transportation to and from the nearest hospital qualified to provide the necessary medical services; air ambulance for necessary emergency care to the nearest hospital able to provide the necessary emergency services; charges for response fees
• Home Nursing Care-services of a licensed Practical or Registered Graduate Nurse or registered trained attendant, not related to you, for care provided in your home; charges will be limited to reasonable and customary charges for the same type of illness in the area where services are provided
• Accidental Dental Care-services of a dentist for the repair of damage to natural teeth or for the treatment of a fractured jaw as a result of accidental injury, provided the services are within 12 months of the date of the accident
• Laboratory Tests-charges for laboratory tests done in a commercial laboratory for diagnosis of an illness
• Medical Services and Supplies
  • Artificial limbs and eyes, including replacements when medically necessary
  • Mammary prostheses required as a result of surgery, up to a maximum of $200.00 per person per year
  • Casts, splints, trusses, braces or crutches
  • Equipment rented for temporary therapeutic use (wheelchairs, hospital beds, etc.)
  • Oxygen, plasma and blood transfusions
  • Radiotherapy or coagulotherapy
• Practitioners- services of a physiotherapist and licensed qualified speech therapist, services of a licensed masseur, chiropractor, chiropodist, naturopath or podiatrist, to a maximum of $10.00 per visit, 30 visits per person per year, provided that no portion of the charges is payable under Alberta Health and Wellness
• Services of a licensed psychologist or a registered social worker, limited to 50% of the charges to a maximum of $400.00 per year, per person
• Hearing Aids-purchase of hearing aids up to a lifetime maximum of $250.00 per person
• Optometry Services-services of an ophthalmologist or optometrist, to a maximum of $25.00 per person every two years

What Is Not Covered:

Benefits are not payable for:

• Vision Care
• Out-of-country expenses - it is recommended that you purchase travel insurance if you are leaving the country
• Services or supplies not medically required, or charges in excess of reasonable or customary charges
• Services or supplies which are paid for in whole or in part by Alberta Health and Wellness, except to the extent permitted by law
• Illness due to or resulting from war, insurrection or hostile action of the armed forces of any country; participating in a riot or civil commotion; or commission or attempted commission of a criminal offense
• Illness or injury for which compensation is provided by Workers' Compensation or similar legislation
• Injury sustained while performing any occupation or employment for wages or profit for an employer other than the CBE

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Dental Care Plan

The Canadian Life and Health Insurance Association 2000 Alberta Dental Fee Guide establish standard fees for dental services and treatments. Your dentist may set fees at the standard level, or higher.

When you make an appointment with a dentist of your choice, you should discuss the services that are covered under the Dental Care Plan, your dentist's charges, and the possible costs that you will be required to pay-depending on the treatment.

The Dental Care Plan pays 50% of eligible expenses for Basic and Major Dental Treatment to a maximum of $1,000 per person each calendar year.

There is no orthodontic coverage available under this plan.

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Life Insurance

Upon retirement, your life insurance will be reduced to $5,000. This will continue in force until you reach age 65 at which time you will be issued a paid-up life policy in the amount of $5,000.

The cost of the paid-up life policy will be paid by the CBE. Premiums paid by the CBE for life insurance (including the paid-up life policy) is considered taxable by Canada Revenue Agency (formerly Revenue Canada).