Community Living Services Collective Agreement - British Columbia ...

CSSBA and CSSEA - Community Living Services (03/2012) Page 74
• $25,000 in the event of death due to any cause for an employee who is 65 to 69 years of age
• benefit is paid regardless of cause of death based on employee's eligibility at date of death
Continuation of Coverage
• the Employer will continue to pay the Group Life contributions while the employee is receiving
sick pay, is on maternity or parental leave, or during the first 20 work shifts in any calendar year
of unpaid leave
• coverage can continue while an employee is on an unpaid leave, if the employee pays 100% of
the contributions
• while an employee receives LTD benefits from the Plan, the employee's Group Life coverage will
continue at no cost to the employee or the Employer as long as the employee remains an
employee
Termination of Coverage
Coverage ceases on the date the employee:
• terminates employment
• retires
• commences an unpaid leave beyond 20 work shifts in any calendar year and employee elects not
to pay contributions or elects to pay contributions and then stops paying them until their return to
work
• transfers to an ineligible status
• is laid off
• turns 70 years of age
Conversion
• upon termination of employment (excluding retirement), coverage continues at no charge to the
employee or Employer for 31 days during which time the employee may convert all or part of
their group life insurance, without providing medical evidence, into any whole life, endowment or
term life policy normally issued by the insurer at the insurer's standard rates at that time
Advance Payment Program
• in the event of terminal illness, with medical information confirming life expectancy of less than
one year, an advance payment of up to 50% of the Group Life benefit, subject to a maximum of
$25,000, is available to the employee
ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)
Premiums
• 100% employer-paid
Eligibility
• regular full-time and regular part-time employees scheduled to work 20 regular hours or more per
week except as provided in MOA #6 (Re: Health and Welfare Benefits Entitlement Threshold)
• enrolment is a mandatory condition of employment