Sun Life Financial (Sun Life) administers this policy. The policy number is 150033.
Any unused amounts from 2014 will be carried forward and available to you until December 31, 2015.
Any unused amounts from 2014 will be carried forward and added to your 2015 balance.
You will complete a Benefit Application Change Form indicating that you will like to enroll into the Optional Life Insurance plan and select the level of coverage in $50,000 benefit increments up to $500,000. A health questionnaire and approval from our benefit carrier will be required in most cases. The health questionnaire will be provided to you upon Human Resources receiving your Benefit Application Change Form.
You can request a Benefit Application Change Form by contacting the Human Resources Communication Centre at (519) 661-2111 ext. 82194 or firstname.lastname@example.org.
Yes. Life changing events such as acquiring a new dependent through either birth of a child or marriage (including common law) would qualify. An application would need to be received within 31 days of acquiring a new dependent to qualify without a medical questionnaire and additional requests for coverage have not been previously declined.
The Benefit and Pension Application paperwork will be mailed to your home address soon after you have been appointed. If you have do not receive this paperwork please contact the Human Resources Communication Centre at (519) 661-2111 ext. 82194 or email@example.com. If the completed paperwork is not received within the enrollment period you will automatically be enrolled in the compulsory components. The enrollment period is 31 days after you have been issued the Benefit and Pension Application. You may opt into the optional benefits at a later date but may be subject to approval from our benefit carrier.
*See Summary of Benefit and Pension Plans booklet for full details on eligibility for post retirement benefits and the academic pension plan.
A HCSA is provided for reimbursement of medical expenses. Medical expenses as defined by Income Tax Regulations are eligible for reimbursement including premiums for other insurance programs, dental expenses, vision care expenses, drugs, hospital, supplies and various other items. The Canada Revenue Agency (CRA) defines which expenses can be reimbursed. A list of eligible expenses can be found on the CRA website in interpretation bulletin IT-519R2.
If you don’t have an Access ID and password with Sun Life already, sign up for the web access. See the tutorial on www.sunlife.ca/mybenefitsonline or call Sun Life directly at 1-800-361-6212.
No, you can use the same sign on (access I.D) for your HCSA. You will just click on the Health Care Spending Account (Policy # 150033) once you are in your personal page.
Yes. When you sign on to Sun Life site, you will be asked to provide your banking information. In addition, you will be prompted to provide your contact information including your email address as you will be notified when your claim has been processed and has been deposited to your bank account.
The benefit year is January 1 to December 31. Your HCSA allows you to carry forward any unused credits for one benefit year. After that, it is forfeited. For example, your remaining 2013 HCSA balance will be forfeited at December 31, 2014. You will have until March 31, 2015 for Sun Life Financial to receive any 2014 claims of which can be applied against your 2013 balance prior to it being forfeited. No cash outs of HCSA funds are permitted.
This is very important. Expenses incurred in a given year may only be claimed from the HCSA during the same calendar year. An expense from the previous year may be claimed but only from funds that were carried over from the previous year. There is also a 90 day proof of claim period for these expenses. For example, an expense incurred in 2014 can only be claimed against the 2014 allotment (2014 deposit plus 2013 carry forward) and that claim cannot be received by Sunlife any later than March 31, 2015.
On your benefit enrollment form you would have indicated Single or Family. The HCSA is $2,000 for family coverage and $1,000 for single coverage per a calendar year.
No. The annual allotment is based on the single or family status as of January 1 each year, there is no adjustment.
Each November, you can change your HCSA for the upcoming calendar year to one of the following: Waive Participation, Single Coverage or Family Coverage. If you would like your HCSA participation to remain unchanged from your current participation, there is no action required.
New members receive the full HCSA allotment ($1,000 for single and $2,000 for family) based on single or family status on the date of hire.
No, you cannot add any additional funds to your HCSA.
Yes, both can elect to have a HCSA.
If your niece qualifies as your dependent under the Income Tax Act you can submit the expense to your HCSA.
You would have up to 90 days after your retirement date to claim for reimbursement.
This will depend on the policies of those other plans. The details of the various OMA Disability Insurance plans can be found on the OMA website. Please contact the OMA, and/or the policy holder(s) of your other disability plan to determine the impact of the Disability Insurance through Western on your other coverage. The total disability benefits payable from all individual or group plans cannot exceed your earned income prior to the disability.
To make application for the Dependent Tuition Scholarship plan, please click here.
For participating members as of June 30, 2009 and those who joined as a new faculty member after July 1, 2009 are eligible to accrue entitlements to post retirement health, dental, vision and life insurance programs for yourself and your family. For Clinical Faculty who previously waived enrolment in the benefit program but have now elected to participate in various other elements of the program effective January 1, 2010, are not able to accrue rights to post retirement benefits.
You must be a member of the benefit plan for at least 10 years (including years of employment as a faculty member before July 1, 1999), retire from the University no earlier than the 1st of July following your 55th birthday, provide written notice of retirement within the time frame specified under your clinical faculty contract, and either be a member of the Benefit Plan prior to January 1, 2010 or commence a regular full time position in the Schulich School of Medicine and Dentistry on or after January 1, 2010.
The Post Retirement Benefits include: drug, hospital, paramedical, supplies, out of country emergency, dental and vision care for you and your spouse and eligible dependent children. Some expenses are subject to an annual dollar or per incident maximum. 85% of each claim (that do not have a dollar maximum already defined) is payable under the plan and the member is responsible for 15% of these claims costs. Once a member with single coverage has paid $450 in a calendar year ($900 for family coverage), then the plan provides for 100% reimbursement of eligible expenses without dollar maximums for the remainder of that calendar year. Expenses incurred for out of province and out of country emergencies that occur within the first 60 days per trip will be eligible. Out of country eligible expenses are subject to a maximum of $200,000 per person per trip. In addition, a life insurance benefit of $15,000 is payable to your designated beneficiary upon your death in retirement.
Western University - Human Resource Services
By Telephone: HR Communication Centre at (519) 661-2194 or Ext. 82194
By Email: firstname.lastname@example.org
By Fax: (519) 661-4104
Sun Life Financial
By Telephone: Customer Care Centre at 1-800-361-6212
By Email: email@example.com
By Telephone: 1-866-527-9260
By Email: www.opip.ca