Master Agreement Between the Government of the Province of Alberta and the Alberta Union of Provincial Employees
35.01
MyCHOICE Core Group Life and Accidental Death and Dismemberment, MyCHOICE Dependent's Life and MyCHOICE Enhanced Group Life.
(a)
The eligibility of Employees to participate in the Core Group Life Insurance Plan and Accidental Death and Dismemberment is subject to Article 4, and participation is a condition of employment for all eligible Employees who commenced employment on or after December 1st, 1971.
(b)
The amount of Core Group Life Insurance for an eligible Employee is equivalent to either:
(i)
1.0 times basic annual salary, rounded to the next highest $1,000.00 up to a maximum amount of insurance of $400,000.00; or
(ii)
2.5 times basic annual salary, rounded to the next highest $1,000.00, up to a maximum amount of insurance of $400,000.00; or
(iii)
1.0 times basic annual salary, rounded to the next highest $1,000.00 up to a maximum amount of insurance of $400,000.00, on the 1st day of the bi-weekly pay period following the Employee’s 65th birthday; or
(iv)
Effective October 1, 2008, a flat dollar amount of $25,000, on the 1st day of the bi-weekly pay period following the Employee’s 70th birthday until the end of the pay period in which the Employee reaches age 75.
(c)
Each Employee insured for Core Group Life Insurance under Sub-Clause (b), shall also be covered for an additional amount of insurance in the event of accidental death or dismemberment, with a principal sum equivalent to the Employee's amount of Core Group Life Insurance except that if the accidental death or dismemberment results from injury while the insured Employee is performing the Employee’s duties for the Employer, including travelling on Employer business, the principal sum shall be equivalent to four (4) times the Employee's basic annual salary up to a maximum of $400,000.00.
(d)
The Employer shall pay two-thirds (2/3) and the Employee shall pay one-third (1/3) of the premium costs for the Core Group Life and Accidental Death and Dismemberment, where an Employee is covered for the insurance pursuant to Sub‑Clauses (b) and (c) above.
(e)
Where an Employee is not covered under Sub-Clause (b) but is now insured for the single lump sum amount of insurance of $4,000.00, the Employee shall also be covered for an additional amount of insurance in the event of an accidental death or dismemberment with a principal sum of $4,000.00 except that if the accidental death or dismemberment results from injury while the insured Employee is performing the Employee’s duties for the Employer, including travelling on Employer business, the principal sum shall be equivalent to four (4) times the Employee’s basic annual salary up to a maximum of $400,000.00. The Employer shall pay the total premium costs for those eligible Employees.
(f)
The Employer shall administer a policy of optional Dependent's Life Insurance and the entire premium shall be paid by each eligible Employee opting for such coverage.
The Employer shall administer a policy of optional Enhanced Group Life Insurance and the entire premium shall be paid by each eligible Employee opting for such coverage, subject to evidence of insurability.
(g)
All insurance coverage specified under Clause 35.01 shall be in accordance with the terms and conditions contained in a policy of insurance of which the Employer is the policy holder. The terms and conditions shall not be considered as incorporated in this Collective Agreement by reference or necessary intendment. Differences respecting any matters related to the administration and application of the MyCHOICE Group Life Insurance plans are not subject to the grievance and arbitration provisions of this Collective Agreement. The Union shall be provided with a copy of the policy of insurance and any amendments to the policy.
(h)
In order to ensure continued coverage, Employees are responsible for paying their premium costs, including during periods of leave without pay. Failure by the Employee to remit premiums when due will result in the termination of the benefit coverage for the Employee and all enrolled dependents. The Employer shall provide an Employee with a minimum of two (2) weeks written notice prior to terminating benefit coverage. The Employer retains the right to recover from the Employee's pay any benefit premium arrears that the Employee has not paid.
35.02
Accidental Death and Dismemberment Insurance for Employees not insured under Clause 35.01:
The Employer shall maintain a Master Insurance Policy for all Employees covered by this Agreement who are not insured for the insurance specified in Clause 35.01 that provides insurance coverage up to a maximum principal sum of $400,000.00 in the event of accidental death or dismemberment resulting from injury occurring while working for the Employer including travelling on Employer business.
The total premium cost of this Master Insurance Policy shall be paid by the Employer.
Coverage provided shall be in accordance with the terms and conditions of the Master Policy of Insurance of which the Employer is the policy holder. The Employer shall provide the Union with a copy of the policy and any letter of intent issued by the Insurer.
35.03
The Employer shall provide liability coverage for all Employees covered by this Agreement while engaged in the scope of their work duties. Coverage provided will be in accordance with the terms and conditions of the Risk Management and Insurance participant liability coverage of the Alberta Risk Management Fund.