Supplementary Death Benefit

This benefit provides a lump sum payable to your designated beneficiary. The payment is equal to twice your basic yearly salary, rounded up to the nearest multiple of $1,000.  The premiums are deducted monthly at $0.15 per $1,000 of coverage.  This is part of the Superannuation Plan.  Participation in this plan is compulsory.

Long Term Disability Insurance

This insurance provides you with up to 70% of your basic yearly salary if you become disabled.  Benefits are payable after a waiting period of 13 weeks or after all your sick leave credits are used, whichever is later.

For the first 24 months, your disability must prevent you from performing the duties of your position.  After 24 months, the disability must prevent you from performing the duties of any commensurate occupation.  A commensurate occupation is one for which you are reasonably qualified by training, education or experience. The rate of pay for the commensurate occupation must be at least 2/3 of the current rate for your regular occupation.

Long Term Disability Insurance benefits will continue while the disability lasts, or until your 65th birthday, whichever is earlier.

Monthly premiums are paid on your behalf, by the Government.

Accidental Death and Dismemberment – Duty Travel

This group insurance policy provides coverage for accidental death and dismemberment, with benefits as outlined below:

The following benefits will be paid for losses sustained solely through accidental means, if your loss occurs within 365 days of the date of the accident:
Loss of Life	$200,000
Loss of Both hands	$200,000
Loss of Both feet	$200,000
Loss of Entire sight of both eyes	$200,000
Loss of One Hand and One Foot	$200,000
Loss of One Hand and the Entire Sight of One Eye	$200,000
Loss of One Foot and the Entire Sight of One Eye	$200,000
Quadriplegia	$200,000
Paraplegia	$200,000
Hemiplegia	$200,000
Loss of Use of Both Arms or Both Hands	$200,000
Loss of Speech and Hearing in Both Ears	$200,000
Loss of One Arm or One Leg	$150,000
Loss of Use of One Arm	$150,000
Loss of One Hand or One Foot or the Entire Sight of One Eye	$133,333
Loss of Use of One Hand	$133,333
Loss of Speech or Hearing in Both Ears	$133,333
Loss of Four Fingers of One Hand	$ 66,666
Loss of All Toes on One Foot	$ 25,000
Loss of Thumb and Index Finger	$ 66,666
Loss of Hearing in One Ear	$ 33,333

Compensation is only for the greatest loss sustained as the result of any one accident.

This benefit will apply to injuries sustained anywhere in the world, 24 hours a day.

There will be no payment for any loss, fatal or non-fatal, caused or contributed to by:

• suicide or self-destruction, actual or attempted, while sane or insane; or

• any act of declared or undeclared war; or

• service in the Armed Forces of any country; or

• acting as a pilot, operator or member of the crew of any aircraft.

This coverage is in addition to any other benefits or insurance plan.

Claim forms are available from your Human Resource Service Centre.

Completed claim forms will be submitted to the Insurer, who will assess the claim.  The Insurer will pay you or your beneficiary the claim directly.

Premiums are paid by the Government.

Public Service Management Insurance Plan (PSMIP)

This life insurance plan has four parts:

• Basic Life - two years of basic salary;

• Supplementary Life - one year of basic salary;

• Accidental Death and Dismemberment -  $250,000 for accidental death or an appropriate percentage payable for dismemberment; and

• Dependents' Insurance - both life insurance and accidental death and dismemberment benefits (double indemnity) of $5,000 for your spouse and $2,500 for each dependent child over 14 days of age.

Participation in PSMIP is optional.  Premiums are based on age and basic salary. The monthly premiums are paid by the Government on your behalf, with the exception of the Supplementary Life insurance, which is your responsibility.

Details of this plan are outlined in the PSMIP booklet.

Public Service Health Care Plan (PSHCP)

This insurance provides 80% reimbursement for all eligible expenses, subject to a yearly deductible of $60 for single coverage and $100 for family coverage.

This insurance provides extended health care benefits (in addition to the Northwest Territories Extended Health Care Benefits) for specialist services, prescription drugs, vision care, rental of hospital equipment, nursing assistance, ambulance services, etc.  Hospital benefits are also available and there is reimbursement for the cost of semi-private or private rooms up to $220 per day.

Your monthly premiums are paid by the Government and coverage is optional.

Details of this plan are outlined in the PSHCP booklet.

Dental Plan

The plan provides you with 100% reimbursement for all eligible expenses, subject to a yearly deductible of $25 for single coverage and $50 for family coverage.  Major restorative work (crowns, bridges, dentures, etc.) is reimbursed at 50%. Dental coverage (excluding orthodontic services) is limited to $1,500 per year per dependent.

The plan provides orthodontic coverage for your dependents under the age of 19. Reimbursement is limited to 50% of actual costs, to a maximum of $4,000 per dependent per lifetime.

Coverage comes into effect after six months of continuous employment.  This waiting period does not apply if you terminate employment and are rehired within three months.

Details of the plan are outlined in the Dental Plan Booklet.