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You are eligible for group benefits the first day of the month following the start of your contract if you are a member of the British Columbia Teachers’ Federation (BCTF) and an employee of the School District with a temporary, continuing part-time or continuing full-time teaching appointment.
Registered Teachers On Call can elect coverage under the basic medical (Medical Services Plan of B.C.), extended health benefits plan, dental plan, basic life insurance plan and the optional plans sponsored by the BCTF. The cost of the coverage under these plans is 100% paid by the employee.
Teachers and Teachers on Call must enroll for benefits within 31 days of the start date of the contract.
If you do not make selections during this period, you and any eligible dependents will be required to go through the late applicant process and may be subject to benefit restrictions or denial of coverage.
If you have waived benefits and have a Qualified Life Status Change, you are eligible to apply for benefits at that time.
The extended health and dental plan is designed to help promote health and wellness for you, your spouse/partner and your dependent children. Coverage is through Pacific Blue Cross Website.
Dental Policy #20034
Extended Health Policy #20034
- Employess pay 20% of the premiums for the extended health and dental plan. The School District pays the remaining 80% of the premiums.
- Teachers on Call pay 100% of the premium
Review the Teacher’s Benefit Booklet (PDF) for detailed information about coverage and coverage levels.
Changes to Your Coverage
To add/remove a dependent or change coverage to your extended health or dental please complete and submit the appropriate form:
Submitting a Claim
Pacific Blue Cross now offers the direct pay option at your pharmacist. Just give them your BlueCard and your portion of the drug cost is all you will pay at the register. For all other claims (ie. paramedical such as chiropractor, etc.), you will need to submit an Extended Health Claim to Pacific Blue Cross to receive your reimbursement. It’s always a good idea to keep original receipts and copies of your completed claim forms. Most dentists bill Pacific Blue Cross directly. Check with your dentist prior to receiving any treatments.
If you have questions about your Extended Health benefits contact Heather Thiessen.
For information about pre-authorizations, call Pacific Blue Cross at 1-888-275-4672. Ensure you have your policy number and certificate number (00000+your employee number)
Note: In order to access group benefits, you must register with B.C. Universal Pharmacare and have provincial healthcare coverage (i.e. MSP) Visit the Pharmacare Website for more information.
Pacific Blue Cross CARESNET e-service
You can access information about your health benefits plans directly through the Pacific Blue Cross website.
The website provides quick access to:
- Plan Information - check who you have listed on your plan or view other demographic information
- Benefit Details - check on specific details of a particular benefit, or look at the glossary of terms to better understand benefits
- Benefit Eligibility - check if a particular benefit is eligible and what you need to submit a claim
- Claim Information - check current claims history for your health and dental claims
- Temporary ID certificate - the site provides you with the ability to print a temporary card - a message is automatically sent to Blue Cross to order a permanent certificate
- EFT - you can sign up for Electronic Funds Transfer service for payment of claims
Coordination of Benefits
People who are covered under more than one extended health or dental plan are required to submit their claims to their own plan first. Any remaining balance may be claimed through your spouse's plan.
Dependent Children Claims
For dependent children, the plan that pays first is determined by the birth date of the parents, as follows:
- If your birth date is prior to your spouse's in the calendar year, your plan is the first payer and your children's expenses must be claimed through your own plan first.
- If your spouse's birth date is prior to yours in the calendar year, then your spouse's plan is the first payer for your dependent children.
Medical Services Plan (MSP) covers basic medical expenses such as doctor visits, x-rays and hospital treatments. All BC residents are required to be enrolled with MSP.
Employess pay 20% of the monthly premiums for MSP. The School District pays the remaining 80% of the premiums.
To make changes to your MSP coverage, complete one of the following forms:
Medical Services Plan
Toll-free Phone Number: 1 800 663-7100
It is possible that you or your dependents may require emergency medical treatment while travelling outside your province of residence.
In such a case, the Medical Services Plan of B.C. would cover a portion of the cost and, generally speaking, the extended health benefits plan would pay for all or a portion of the cost of out-of province emergency eligible medical expenses only. Expenses incurred while out of country or province must be paid for by you first and then submitted for reimbursement upon your return.
Refer to your Teacher’s Benefit Booklet (PDF) for eligible and ineligible expenses.
Pacific Blue Cross
Dependents can remain on your extended health and dental coverage, so long as they meet the following criteria:
- Unmarried children supported by you and under age 21;
- Unmarried children who are full-time students supported by you and are age 21 or over but under age 25; and
- Unmarried children supported by you who are age 21 or over but who are physically or mentally handicapped.
Annual verification of your dependent’s status will be required for them to remain active on your plan.
Medical Services Plan
Dependents can remain on your MSP coverage, so long as they meet the following criteria:
- Unmarried children supported by you and under age 19;
- Unmarried children who are full-time students at an accredited college or university supported by you and are age 19 or over but under age 25; and
- Unmarried children supported by you who are age 19 or over but who are physically or mentally handicapped.
Two to three months prior to your dependent’s 19th birthday, you will receive a letter and form from MSP. In order to ensure continuation of coverage, complete the form and return to Human Resources.
Group Life Insurance
Basic Life Insurance is a mandatory benefit and provides coverage of three times your annual earnings. For Teachers on Call who have opted for this benefit, coverage is for $10,000.00
Basic life insurance is payable in the event of your death before age 70 or retirement from the School District, whichever is earlier. It is payable in a lump sum to your beneficiary.
Living Life Insurance Benefit
There is a Compassionate Assistance Program which you can apply for if you are suffering from a terminal illness where death will occur within 24 months. The Program provides a means for you, with the approval of the School District, to apply to borrow money from the life insurance provider on the security of your basic life insurance.
The maximum loan available under this program is the lesser of 50% of your life insurance coverage or $50,000. The amount of the loan plus interest is paid out of your life insurance benefit proceeds.
Critical Illness Insurance
Critical Illness Insurance is available through the British Columbia Teachers’ Federation (BCTF) voluntary group insurance program. It provides critical illness protection for the amount of coverage you wish to purchase on yourself and/or your spouse. Optional life insurance is available $25,000 units up to a maximum coverage of $250,000 per employee and spouse.
Refer to the Critical Illness brochure (PDF) for more information.
If your coverage terminates prior to age 65, you may, within 31 days of termination, convert your group life insurance, without a medical examination, to one of a number of individual life insurance policies available from the insurance company.
Optional Life Insurance
Optional Life and Spousal Optional Life is available through the British Columbia Teachers’ Federation (BCTF) voluntary group insurance program. It provides life insurance protection for the amount of coverage you wish to purchase on yourself and/or your spouse.Optional life insurance is available $10,000 units up to a maximum coverage of $500,000 per employee and spouse.
Optional dependent life insurance is available to your dependent children in $5,000 units.
The cost is a calculation based on amount, age, and whether the insured is a non-smoker. The premium is paid for 100% by the employee.
Accidental Death, Disease and Dismemberment
If you are under 70 and participating in the BCTF optional life insurance plan, you may purchase any amount of optional accidental death & dismemberment insurance you desire in multiples of $10,000 (minimum of $10,000; maximum of $500,000). The premium is paid for 100% by the employee.
You may choose to participate in the family plan which provides coverage for your spouse/partner and dependent children.
Download the form: Accidental Death Application (PDF).
We all need a little help from time to time. You can find support through the Employee Assistance Program (EAP).
Employee and Family Assistance Program (EFAP) is a confidential counselling service that can help you or your family members with any personal problem, big or small, that affects your family life, your work life or your general well-being. Services are available 24 hours a day, 7 days a week.
For further information call 1-800-387-4765 or visit the website.
If you are absent due to illness or injury it is your responsibility to notify your Manager/Principal immediately, to log your absence using the Automated Dispatch System and to complete the required paperwork.
Short Term Salary Indemnity Plan
The short-term salary indemnity plan provides you with short-term disability coverage on the first teaching day after the expiry of your sick leave allowance. The plan is administered by the British Columbia Teachers’ Federation (BCTF). This plan provides a benefit of 50% of salary for up to 120 work days per disability, payable after the expiration of sick leave benefits.
While on this plan, the employee is responsible 20% for all benefit premiums.
Application for Short Term Salary Indemnity Plan is requested by email or by calling ext. 1273.
Long Term Disability
The long-term salary indemnity plan provides you with partial income continuance after your sick leave and short-term salary indemnity benefits are exhausted. Long-term disability benefits continue until you cease to be disabled, reach age 65 or earn 35 years of pensionable service, whichever occurs first. The plan is provided by the British Columbia Teachers’ Federation (BCTF) and administered by Great-West Life Assurance.
This plan provides a benefit of 65% of the first $2,803 of your monthly salary, plus 50% of the next $4,444 of your monthly salary, plus 40% of the balance, payable after the expiration of sick leave credits and the termination of short-term salary indemnity benefits.
While on this plan, the employee is responsible 100% for all benefit premiums.