CCFA Manulife Benefits Summary

For the official Manulife Benefits Program booklet and extensive descriptions of benefits, click here.

Employee Life Insurance

Benefit Amount – 3 times your annual earnings, to a maximum of $800,000

Benefit Reduction:

  • Employees Age 65 – 2.7 times your annual earnings, subject to a maximum of $800,000
  • Employees Age 66 – 2.4 times your annual earnings, subject to a maximum of $800,000
  • Employees Age 67 – 2.1 times your annual earnings, subject to a maximum of $800,000
  • Employees Age 68 – 1.8 times your annual earnings, subject to a maximum of $800,000
  • Employees Age 69 – 1.5 times your annual earnings, subject to a maximum of $800,000

Termination Age – your benefit amount terminates at age 70 or retirement, whichever is earlier.

Employee Optional Life Insurance

Benefit Amount: increments of $10,000 to a maximum of $200,000

Termination Age – your benefit amount terminates at age 65 or retirement, whichever is earlier.

Dependent Optional Life Insurance

Benefit Amount: Spouse – increments of $10,000 to a maximum of $200,000

Termination Age – employee’s or spouse’s age 65 or employee’s retirement, whichever is earlier

Accidental Death and Dismemberment

Benefit Amount – 3 x your annual earnings, to a maximum of $800,000.

Benefit Reduction:

  • Employees Age 65 – 2.7 times your annual earnings, subject to a maximum of $800,000
  • Employees Age 66 – 2.4 times your annual earnings, subject to a maximum of $800,000
  • Employees Age 67 – 2.1 times your annual earnings, subject to a maximum of $800,000
  • Employees Age 68 – 1.8 times your annual earnings, subject to a maximum of $800,000
  • Employees Age 69 – 1.5 times your annual earnings, subject to a maximum of $800,000

Termination Age – your benefit amount terminates at age 70 or retirement, whichever is earlier.

Extended Health Care

Overall Benefit Maximum – Unlimited

Deductible – $50 Individual, $50 Family, per calendar year(s)

Not applicable to:

  • Vision
  • Professional Services (Psychologist/Clinical Counsellor only)
  • Out-of-Province/Canada Emergency Medical Treatment

Note: The deductible is not applicable to Emergency Travel Assistance.

Benefit Percentage (Co-insurance)

  • 100% for
    • Vision
  • 95% of the first $1,000 of paid expenses and 100% thereafter for:
    • Hospital Care
    • Medical Services & Supplies
    • Professional Services (other than Psychologist/Clinical Counsellor)
    • Drugs
  • 90% for:
    • Professional Services (Psychologist/Clinical Counsellor)

Note:

  • The Benefit Percentage for Out-of-Province/Canada Emergency Medical Treatment is 100%.
  • The Benefit Percentage for Emergency Travel Assistance is 100%.

Termination Age – employee’s retirement. On retirement your coverage may continue for up to 90 calendar days provided you have applied for health and welfare benefits under the college pension plan.

ManuScript Generic Drug Plan 2 – Prescription Drugs

Charges incurred for the following expenses are payable when prescribed in writing by a physician or dentist and dispensed by a licensed pharmacist:

  • drugs for the treatment of a sickness or injury, which by law or convention require the written prescription of a physician or dentist
  • oral contraceptives not prescribed for birth control
  • injectable medications (charges made by a practitioner or physician to administer injectable medications are not covered)
  • life-sustaining drugs
  • standard syringes, needles and diagnostic aids, required for the treatment of diabetes (charges for cotton swabs, rubbing alcohol, automatic jet injectors and similar equipment are not covered)

Charges for the following expenses are not covered:

  • drugs, biologicals and related preparations which are administered in hospital on an in-patient or out-patient basis
  • drugs determined to be ineligible as a result of due diligence
  • anti-smoking drugs
  • drugs used in the treatment of a sexual dysfunction
  • oral contraceptives prescribed for birth control, intrauterine devices and diaphragms
  • injectable vitamins
  • preventive vaccines and medicines (oral or injected)

Drug Maximums

  • Fertility drugs – $2,500 per lifetime
  • All other covered drug expenses – Unlimited

Payment of Covered Expenses

Payment of your covered drug expenses will be subject to any Drug Deductible, any Drug Dispensing Fee Maximum, the Benefit Percentage for drugs and any maximum.Covered expenses for any prescribed drug will not exceed the price of the lower cost alternative drug that can legally be used to fill the prescription, as listed in the Provincial Drug Benefit Formulary or a lower cost alternative that provides therapeutically similar results as identified by Manulife Financial.

Manulife Financial can limit the covered expense for any drug to that of a lower cost interchangeable drug at the time the drug is purchased.

If there is no lower cost alternative drug for the prescribed drug, the amount payable is based on the cost of the prescribed drug.

No Substitution Prescriptions

If your prescription contains a written direction from your physician or dentist that the prescribed drug is not to be substituted with another product and the drug is a covered expense under this benefit, the full cost of the prescribed product is covered.

When you have a “no substitution prescription”, please ask your pharmacist to indicate this information on your receipt, when you pay for the prescription. This will help to ensure that your expenses will be reimbursed appropriately when your claim is submitted to Manulife Financial for payment.

Payment of your covered drug expenses will be subject to any Drug Deductible, any Drug Dispensing Fee Maximum, the Benefit Percentage for drugs and any maximum.

Payment of Drug Claims

Your Pay Direct Drug Card provides your pharmacist with immediate confirmation of covered drug expenses. This means that when you present your Pay Direct Drug Card to your pharmacist at the time of purchase, you and your eligible dependents will not incur out-of-pocket expenses for the full cost of the prescription.

The Pay Direct Drug Card is honoured by participating pharmacists displaying the appropriate Pay Direct Drug decal.

To fill a prescription for covered drug expenses:

  1. present your Pay Direct Drug Card to the pharmacist at the time of purchase, and
  2. pay any amounts that are not covered under this benefit.

You will be required to pay the full cost of the prescription at time of purchase if:

  • you cannot locate a participating Pay Direct Drug pharmacy
  • you do not have your Pay Direct Drug Card with you at that time
  • the prescription is not payable through the Pay Direct Drug Card system

For details on how to receive reimbursement after paying the full cost of the prescription, please see your Plan Administrator.

Vision Care

  • eye exams, $100 every 2 years
  • purchase and fitting of prescription glasses or elective contact lenses, as well as repairs, or elective laser vision correction procedures, to a maximum of $650 combined every 2 calendar years

Professional Services

Services provided by the following licensed practitioners:

  • Chiropractor – $400 per calendar year combined with athletic therapist. X-rays are not covered.
  • Podiatrist/Chiropodist – $400 per calendar year. X-rays are not covered.
  • Massage Therapist – unlimited
  • Naturopath – $400 per calendar year, X-rays are not covered.
  • Speech Therapist – $1,000 per calendar year
  • Physiotherapist – unlimited. X-rays are not covered.
  • Psychologist/Clinical Counsellor – $3,000 per family per calendar year
  • Acupuncturist – $300 per calendar year
  • Athletic Therapist – $400 per calendar year, combined with chiropractor. X-rays are not covered.

Recommendation by a physician for Professional Services is not required.

Medical Travel Referral (MTB)

Overall Benefit Maximum – $10,000 per person per calendar year

Deductible – Nil

Benefit Percentage (Co-insurance)– 100%

Benefit Amount– $125 per day, to a maximum of 50 days in any calendar year for all
expenses combined. However, where eligible expenses exceed $125 per day, but
do not exceed the average of $125 per day for the year, the average will be paid.

Termination Age – employee’s retirement

Covered Expenses

The expenses specified are covered to the extent that they are reasonable and customary, as determined by Manulife Financial or your employer, provided they are:

  • medically necessary for the treatment of sickness or injury and recommended by
  • a physician
  • incurred for the care of a person while covered under this Group Benefit Program
  • reasonable taking all factors into account
  • not covered under the Provincial Plan or any other government-sponsored
  • program
  • legally insurable

Dental Care

Deductible – Nil

Dental Fee Guide – British Columbia Dental Association Approved Fee Guide for
General Practitioners and Specialists

Benefit Percentage (Co-insurance)

  • 100% for Level I – Basic Services
  • 100% for Level II – Supplementary Basic Services
  • 75% for Level III – Dentures
  • 75% for Level IV – Major Restorative Services
  • 50% for Level V – Orthodontics

See Benefits booklet for a breakdown of what treatments are included in each level

Benefit Maximums

  • unlimited for Level I, Level II, Level III and Level IV
  • $2,000 per lifetime for Level V

Termination Age – employee’s retirement. On retirement your coverage may continue
for up to 90 calendar days provided you have applied for health and welfare benefits
under the college pension plan.

Weekly Income (Short Term Disability)

Benefit Amount – 70% of weekly earnings, to a maximum benefit of $1,385

Qualifying Period – 30 calendar days, if the disability is due to an accident; 30
calendar days, if the disability is due to a sickness

Maximum Benefit Period – For Total and Partial Disability – 21 weeks

Termination Age – age 70 or retirement, whichever is earlier. However, if you attain age 70 while receiving benefits, benefit payments will continue until you have received a total of 21 weeks of benefits.