Group Life Insurance (Manitoba Public School Employees Group Life Insurance Plan)
Basic Life Insurance of 200% coverage or 2 times your annual basic earnings is mandatory for all eligible employees if you are employed for 120 calendar days duration or more. You can choose up to 5 times your annual basic earnings. Optional plans include family or dependent life and accidental death & dismemberment:
- Any changes in coverage, increases, electing other coverage must be done within 90 days following a life event. AD & D coverage can be increased, elected or cancelled at September 1st of each year.
- Changes in beneficiary can be done at any time.
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Extended Health Plan – administered through Mercer Human Resource Consulting
- Mandatory for teachers working 30% or more. Optional for teachers working less than 30% and support staff.
- Not permitted to opt out unless you have a spousal group plan approved by Blue Cross.
- Coverage is at true family status
- 3 plan benefits – Ambulance Benefit, Extended Health Benefit and Unlimited Travel Health Benefit
- Changes in status must be reported to our payroll dept within 90 days.
- Group plan available for retired school division employees
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MAST/MTS Dental Plan – administered through Mercer Human Resource Consulting.
- Comes off salary scale, pretax benefit
- Mandatory for teachers with contract of at least 60 consecutive teaching days and 30% fulltime. Not available for support staff.
- Not permitted to opt out unless you have a spousal group plan approved by Blue Cross.
- 3 types of coverage – basic, major and orthodontics
- Changes in status must be reported to our payroll dept within 90 days.
- Coverage is at true family status.
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MTS - Disability Benefits Plan (LTD) - Assists teachers through periods of disability, while providing them with financial security.
- Must be on contract for at least 40 working days during a school year
- Must be employed a minimum 30% of fulltime
- Must be an active member of MTS
- Waiting period of 80 working days which starts when the employee becomes disabled and is usually covered by paid sick leave.
- Claimants will receive 80% of net pay tax free.
- Premium paid by employee
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Co-operators Long Term Disability Plan - administered through MAST
- Mandatory for support staff
- Must work a minimum of 15 hours per week
- Waiting period of 3 months
- Benefits are payable on the 101st day of continuous disability some of which is usually covered by paid sick leave.
- Claimants will receive 80% of net pay tax free.
- Premium paid by employee
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TRAF (Teachers’ Retirement Allowance Fund)
- Mandatory upon commencement of employment for all teachers except retired teachers.
- Not permitted to opt out unless returning as a retired teacher
- Defined benefit plan – provincial plan
- Contact TRAF when changes in status
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MAST Pension Plan for Support Staff Employees
- Mandatory upon commencement of employment
- Not required to join if you earn less than 25% of YMPE
- Contributions are a % of salary less CPP contributions
- Matched contributions between Employee/employer
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Canada Payroll Savings / R.R.S.P (below)
- Open enrollment every October
- You can decrease, suspend or resume existing contributions any time.
- Current existing contributions can only be increased during the fall campaign
- Deductions commence with December payroll.
R.R.S.P.
- Administered by London Life
- Contact Prairie Spirit School Division Office for information
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 Link to MTS Home Page for Teachers Dental Plan, EHC, Long Term Disability for Teachers. |
 Link to MAST for Support Staff Pension Plan and our Manitoba Public School Employees Group Life Insurance Plan |
 Link to the Support Staff Long Term Disability |
 Link to TRAF - Teachers Pension Plan |
 Link to Manitoba Blue Cross - to download forms, get information not specific to Prairie Spirit. |
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