ssq.ca GROUP INSURANCE PLAN FOR MANAGEMENT PERSONNEL OF THE QUEBEC PUBLIC AND PARAPUBLIC SECTORS
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1 GROUP INSURANCE PLAN FOR MANAGEMENT PERSONNEL OF THE QUEBEC PUBLIC AND PARAPUBLIC SECTORS YZ NEW PREMIUM RATES AND CHANGES MADE TO YOUR BOOKLET AS OF JANUARY 1, 2018 This document provides you with your new premium rates and information about certain changes effective as of January 1, Please store this document with your booklet for future reference. For any questions about your group insurance plan, please contact SSQ Customer Service from 8:30 a.m. to 4:30 p.m. Monday to Friday, at ssq.ca
2 1. Changes made to your plan as of January 1, Compulsory Basic Accident and Health Insurance Plan Mandatory generic substitution If you choose to purchase a brand name drug instead of any existing generic equivalent, the amount of reimbursement will be determined in accordance with its lowest cost generic equivalent. However, it is possible to obtain a reimbursement based on the cost of the brand name drug that cannot be substituted for medical reasons, by submitting the appropriate form, duly completed by the attending physician, and provided the request is approved by SSQ. Modification of the annual out-of-pocket amount for Prescription Drugs and Paramedical Expenses The amount at which eligible expenses will be reimbursed at 100% (out of pocket) will increase from $500 to $750, per certificate, per calendar year. 1.2 Assurance vie additionnelle de l adhérent The new amount of coverage available without evidence of insurability will be: Age upon enrolment Age 40 to 49 Age 50 or over Amount available without evidence $159,300 $66,400
3 2. New Premium Rates as of January 1, 2018 The following tables present the new premium rates that will become effective as of January 1, Please note that a premium holiday of 25% will be granted for Basic Life Insurance and for Optional Life Insurance. BI-WEEKLY RATES FROM JANUARY 1 TO DECEMBER 31, 2018 Plans Compulsory Basic Accident and Health Insurance Plan Employer Premium holiday (employee) Employee Total Additional premiumfor participants age 65 or over (1) Individual coverage Single-parent coverage Family coverage $27.30 $28.79 $55.19 $40.46 $42.65 $81.77 $67.76 $71.44 $ $93.49 $ $ Compulsory Basic Life Insurance Plan (as % of salary) Participant s Spouse s and Dependent Children s Accidental Dismemberment TOTAL Compulsory Basic Long Term Disability Insurance Plan (as % of salary) Compulsory Additional Long Term Disability Insurance (as % of salary) 0.017% 0.005% 0.002% 0.024% % % 0.004% 0.069% 0.066% 0.021% 0.006% 0.093% 0.485% 0.485% 0.015% 0.015% Premiums do not include the 9% provincial sales tax. (1) Additional premium paid by participants age 65 or over. starting the January 1 following their 65 th birthday if opting for prescription drug coverage under the group insurance plan. rather than under the RAMQ plan.
4 Plan Premium holiday Smoker Employee Total in $ Employee as % of salary Male (2) Premium holiday Non-smoker Employee Total in $ Employee as % of salary Participant s Optional Life Insurance Plan (Rates per $1,000 of coverage and as % of salary) Age 34 and under $0.005 $0.014 $ % $0.003 $0.007 $ % Age 35 to 39 $0.007 $0.021 $ % $0.003 $0.010 $ % Age 40 to 44 $0.011 $0.032 $ % $0.005 $0.015 $ % Age 45 to 49 $0.018 $0.052 $ % $0.009 $0.027 $ % Age 50 to 54 $0.030 $0.088 $ % $0.017 $0.051 $ % 55 or over $0.046 $0.139 $ % $0.032 $0.094 $ % Female (2) Age 34 and under $0.003 $0.010 $ % $0.001 $0.002 $ % Age 35 to 39 $0.005 $0.015 $ % $0.003 $0.009 $ % Age 40 to 44 $0.009 $0.028 $ % $0.005 $0.014 $ % Age 45 to 49 $0.014 $0.042 $ % $0.007 $0.021 $ % Age 50 to 54 $0.023 $0.067 $ % $0.013 $0.037 $ % 55 or over $0.032 $0.096 $ % $0.023 $0.068 $ % Premiums do not include the 9% provincial sales tax. (2) All premium rate changes applicable subsequent to an age change are effective as of January 1 coinciding with or following the age change.
5 Male (3) Plan Smoker Non-smoker Premium holiday Employee Total Premium holiday Employee Total Spouse s Optional Life Insurance Plan (Rates per $10,000 of coverage according to participant s age) Age 34 and under $0.05 $0.14 $0.19 $0.03 $0.07 $0.10 Age 35 to 39 $0.07 $0.21 $0.28 $0.03 $0.10 $0.13 Age 40 to 44 $0.11 $0.32 $0.43 $0.05 $0.15 $0.20 Age 45 to 49 $0.18 $0.52 $0.70 $0.09 $0.27 $0.36 Age 50 to 54 $0.30 $0.88 $1.18 $0.17 $0.51 $0.68 Age 55 or over $0.46 $1.39 $1.85 $0.32 $0.94 $1.26 Female (3) Age 34 and under $0.03 $0.10 $0.13 $0.01 $0.02 $0.03 Age 35 to 39 $0.05 $0.15 $0.20 $0.03 $0.09 $0.12 Age 40 to 44 $0.09 $0.28 $0.37 $0.05 $0.14 $0.19 Age 45 to 49 $0.14 $0.42 $0.56 $0.07 $0.21 $0.28 Age 50 to 54 $0.23 $0.67 $0.90 $0.13 $0.37 $0.50 Age 55 or over $0.32 $0.96 $1.28 $0.23 $0.68 $0.91 Premiums do not include the 9% provincial sales tax. (3) Rates for Spouse s Optional Life Insurance are determined based on the spouse s gender and smoking habits (smoker or non-smoker) and on the participant s age. All premium rate changes applicable subsequent to an age change are effective as of January 1 coinciding with or following the age change.
6 Discover our on-line services by registering today to our ACCESS Plan Members Web site. Visit ssq.ca for more details. DV3511A-T18 ( )
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Alberta Teachers Association 1. Supplementary Health and Vision Coverage Summary Chart Sun Life Group # 16440 The following chart summarizes some of the frequently used services covered under this plan: