SUPPLEMENTARY HEALTH BENEFITS (Great-West Life)
DENTAL BENEFITS (Blue Cross)
OTHER BENEFITS: University of Manitoba Facilities and Services
This web page has been developed to provide a quick summary of the benefit program for eligible retirees (faculty and staff). Information on insurance plans, medical and dental benefits, and access to certain University of Manitoba facilities and/or services is found on this web page.
The University of Manitoba's Staff Benefits Committee periodically deals with matters that affect retirees. A member of the UMRA's Benefits and Pensions Committee represents UMRA on the University Staff Benefits Committee.
This web page will be periodically updated to inform you of any changes in:
This web page is designed to provide information on the main features of the insurance and other benefit programs offered to retirees by the University of Manitoba. It is for information purposes only, and is not intended to provide specific financial or legal advice. Official information may be obtained either by calling the University of Manitoba's Staff Benefits Office at 204-474-7428 or by e-mail firstname.lastname@example.org.
Things to Remember for UMRA Retirees:
Where to Find Resources
OVERVIEW OF BENEFIT PLANS
Eligibility for benefits is determined on the basis of two criteria: age at the time of retirement and length of service. The documents supplied at retirement identify the plans and coverages for which a retiree became eligible.
Below is a general summary of the various retiree benefits at the University of Manitoba. With the exception of Other Benefits for which all retirees are eligible, retiree group insurance benefits (life, health and dental) vary according to the time of retirement (pre- and post- July 1, 2004) and past employment status (full-time or part-time).
Three types of group life insurance are available to eligible retirees: Basic Extended Life Insurance, Optional Extended Life Insurance and Paid-Up Life Insurance. Basic Extended Life Insurance is available only to retirees who held a full-time position and retired before July 1, 2004. An eligible retiree is insured for an amount equal to the value of one unit of Optional Life Insurance. The premium for this unit is paid by the University and the insurance remains in effect for life. Optional Extended Life Insurance is available for those retirees who purchased optional units during employment. Those who retired after July 1, 2004 can convert their Basic Life Insurance into units of the Optional Extended Life Insurance. The Optional Extended Life Insurance terminates on the first day of the month prior to the attainment of age 71. The retiree pays the premium for optional units. Paid-Up Life Insurance preceded the Basic and Optional Extended Life Insurance Plans. Those full-time retirees who retired between September 1, 1974 and March 31, 1983, have this benefit. There was a minimum age and service requirement. The Certificate, issued at retirement, states the amount of insurance.
For specific inquiries regarding life insurance coverage, cost, etc. contact the University of Manitoba Staff Benefits Office.
Under the Supplementary Health Plan administered by Great-West Life Assurance Company the duration of coverage and the premium paid are different for those who retired prior to July 1, 2004 and those who retired on or after July 1, 2004 and the levels of coverage differ for those who were employed full-time from those who were employed part-time.
For pre-July 1, 2004 retirees supplementary health coverage is provided and the full premium is paid by the University of Manitoba for the retiree, his/her spouse and any eligible dependent children. Supplementary Health coverage terminates when the retiree reaches age 75. It is suggested that retirees start considering options at least six months prior to their 75th birthday. Some Information on options is available at Health Benefits after Age 75.
For post-July1, 2004 retirees supplementary health coverage is provided for the retiree, his/her spouse, and any eligible dependent children, subject to payment of the required monthly premium. Supplementary Health coverage remains in effect for the retiree's lifetime provided the required premiums are paid. Retirees may wish to compare benefits and cost under the University of Manitoba Plan with those available on the market.
Categories and Extent of Coverage
Four categories of expenses are covered. The extent or amount of coverage provided in each category differs for full-time and part-time retired staff.
Hospital Semi-private ward care in excess of the standard ward care covered under the government hospital plan.
Ambulance Reimbursement for medically necessary emergency ambulance service.
Prescription Drugs Eligible drugs and medicines include those which require the written prescription of a physician, are dispensed by a licensed pharmacist or physician, are covered by the Prescription Drug Cost Assistance Act of Manitoba, and when the amount can be consumed within the prescribed period.
Medical Benefits Examples of partially covered expenses (included but not limited to):
i. Services of private nurses when prescribed by a physician
ii. Services of licensed physiotherapists and chiropractors
iii. Rental of a wheelchair
iv. Insulin and insulin syringes
For all retirees some expenses have a specific maximum that varies according to past employment status. The brochure received by an individual at the time of retirement provides more information but is also only a summary. For details contact the Staff Benefits Office.
There is no coverage for expenses incurred outside of Canada. Retirees travelling outside of Canada should obtain travel health insurance coverage through a personal plan. Travelling without this coverage could be very costly.
Under the dental plan administered by the Manitoba Blue Cross the premium paid differs for those who retired prior to July 1, 2004 and those who retired on or after July 1, 2004 and the levels of coverage differ for those who were employed full-time from those who were employed part-time.
For pre-July 1, 2004 retirees the University of Manitoba pays the full premium of the dental coverage for the retiree, his/her spouse, and any eligible dependent children. Dental coverage remains in effect for the retiree's lifetime.
For post-July 1, 2004 retirees dental coverage is provided for the retiree, his/her spouse, and any eligible dependent children, subject to payment of the required monthly premium. Dental coverage remains in effect for the retiree's lifetime provided the required premiums are paid.
Dental coverage, which is based on the Manitoba Dental Fee Guide, includes three categories of services.
The retiree pays for the dental service and following submission of the charges (based on the Manitoba Dental Fee Guide) by the dentist to Blue Cross, the retiree is reimbursed at the level defined in the plan for the type of service and based on the previous employment status (full-time or part-time) of the retiree. All services are subject to an annual calendar year maximum. For details refer to the specific retiree group listed above. The brochure provided at retirement provides a detailed list of expenses covered and those not covered.
Specific information provided by the University of Manitoba for each eligible retiree group may be viewed by clicking on one of these two categories:
OTHER BENEFITS: University of Manitoba Facilities and Services
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