Appendix A Guide to insurance coverage for employees on NPP business travel

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Shon Wade
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1 Appendix A Guide to insurance coverage for employees on NPP business travel Effective Date: 1 April 2006 Death and Dismemberment Duty Travel 200K Accidental Death Dismemberment and Specific Loss Indemnity (% of principal Sum) Paralysis Benefits (% of principal Sum). Includes repatriation benefit, family assistance, rehabilitation, home alteration, and vehicle (CIP) Group Accident Policy 24 hour business travel. Budget/Risk & Services Manager () Staff of Non-Public fund Canadian Forces Travel Accident Insurance ($500,000 Travel Accident Insurance). Travel Card Holders NPP Travel Directive 1 April

2 Standing Offer / Agreement with PWGSC and car rental agencies (Car Rental Accidental Death & Dismemberment Insurance) Injury-on-Duty Employees disabled due to an occupational injury or disease entitled to injury-on-duty Government Employees Compensation Act Canadian Forces & DND Public Servants Long-term Disability Monthly benefit when unable to work for lengthy period due to disabling illness or injury following an elimination period NPF Benefit Long-Term Disability (LTD) Plan members of the NPF LTD Plan Emergency Care Outside Canada, Medical Expenses Illness or Injury Provides coverage for unexpected injury and unexpected illness. $1M in a person s lifetime NPF Benefit Health Plan members of the NPF Health Emergency Benefit while travelling on official travel status Up to $500,000 (Canadian $) in eligible medical expenses, includes hospital and Public Service Health CF members & Public servants who are members of the Public Service Health (PSHCP & Staff NPP Travel Directive 1 April

3 Outside Canada physician services, return airfare, medical evacuation, and family assistance. of Non-Public Funds former CF members on a CF pension who have elected to retain coverage under the Public Service Health Care Plan (PSHCP) Emergency Travel Assistance Outside Canada Up to $500,000 (Canadian $) eligible medical expenses, includes transportation to the nearest hospital that provides the appropriate care or back to Canada, medical referrals, consultation and monitoring. Public Service Health CF members & Public servants who are members of the Public Service Health (PSHCP & Staff of Non-Public Funds former CF members on a pension who have elected to retain coverage under the Public Service Health Care Plan (PSHCP) Damage to Privatelyowned Vehicle Driven on Official Business Commercial Liability Insurance provides coverage for damages to Non-owned vehicles. Employer also pays authorized kilometric. Commercial Liability Policy will pick up the cost of any settlement amount that would exceed the Employee s current liability coverage. The CIP will also cover the employee s deductible on the claim. are authorized the use of privately-owned Vehicle for Official NPF Business Damage to Rental Collision Damage Waiver NPP Travel Directive 1 April

4 Vehicle or Loss Damage Waiver (DCW/LDW). CIP Commercial Liability Policy provides coverage for damages to Nonowned vehicles. In this instance, the CIP will cover the deductible on the claim. Travel Card Holders Applicable in those rare instances where Staff of Non-Public Funds Canadian Forces do not have Travel Card Unexpected Return Home Insurance Unexpected return home coverage in the event of the death of an immediate family member while on NPP business travel Flight and Baggage Delay and Hotel/Motel Burglary Coverage for the following: missed connection delayed flight departure or denied boarding emergency baggage delay hotel/motel burglary entertainment allowance Maximum aggregate benefit Reasonable expenses NPP Travel Directive 1 April

5 Loss of personal items Lost or Stolen Baggage Payment for lost or damaged baggage Car Rental Personal Effects Burglary Burglary to personal effects while such are in transit in the Rental auto Insured is covered in the event of robbery or theft of personal effects (except money) while being carried, worn or used in travel status is renting a car using the Travel Card Notes: For coverage under the American Express 1. To benefit from the Insurance coverage provided by the traveller must book their air/train travel using the CFPSA Travel Services. 2. For car rental, traveller must charge the car rental expenses to the traveller s American Express designated travel card. NPP Travel Directive 1 April

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