1. Extended Health Benefits
A Brief Overview

2. Benefits Summary
Ambulance Benefit – 100% reimbursement of eligible Expenses
Vision Care Benefits – 100% reimbursement of eligible vision care $300 per person during any 24 consecutive month period - 80% of eligible eye expense to a maximum of $100 per person during any 24 month period
Dental -80% of basic dental services, 50% major dental services, 50% orthodontics (dependents to age 21, 25 if attending post secondary)
Prescription– 80% reimbursement of all eligible expenses up to your Pharmacare deductible (90% if purchased at Costco or Express Scripts Canada
Travel Health Benefits – no benefit maximum, 100% of eligible expenses. Includes international travel

3. Early Intervention Program - The Program is a collaborative initiative between participants and service providers to proactively assist members who are struggling at work with a physical or psychological illness that puts them at risk of a reduction in active employment.
Is a self-referral
Active while the member is still at work
A case manager will work with you to develop supports
Educator Assistance Program – counselling services service to members struggling with a wide variety of issues related to work or home, such as stress, anxiety and couple relationships and much more.
Paramedical Services – maximum coverage of $850 pp per year, 80% of cost up to a per visit maximum beginning September 1, 2017

4. Paramedical Services Type of Service Per visit maximum Acupuncturist
$85
Athletic Therapist
Initial $ Subsequent $52.91
Audiology
$115
Chiropractor
$50
Clinical psychologist
$180
Foot care nurse
$45
Massage Therapist
$80
Naturopath
$170
Occupational Therapist
$165
Osteopath
Physiotherapist
Initial - $ Subsequent $59.35
Podiatrist
Initial $72 Subsequent $62
Registered Dietician
$145
Speech-Language Pathologist
$110

5. Short Term Disability Group Life Insurance
Short Term Disability - The period after the expiry of available sick leave and up to the expiry of the minimum required waiting period (80 working days) for the Manitoba Teachers’ Society Long Term Disability Benefits Plan.
Pays 80% of Employee Net Pay
Part the Disability Plan: at the onset of health concerns a member can contact the case manager to begin process of support
Case Manager for GVSD: Karen Wurr
Group Life Insurance
Two times your annual salary is automatic but you have the option of 3 times to 7 times annual salary coverage
Can be changed without proof of health within 90 days of a life event (birth of child, marriage, end of marriage)
Know who your beneficiary is
Forms are available at the Division Office

6. Voluntary Contributions
TRAF

7. What are Voluntary Contributions
Optional contributions a member can make to TRAF that are over and above the required contributions to your pension
Deposited into a separate account which operates similar to a Registered Retirement Savings Plan (RRSP)
Making voluntary contributions this year will reduce your allowable RRSP contribution room next year by the same amount
Tax deductible

8. What are Voluntary Contributions?
Voluntary contributions accumulate with interest at TRAF’s fund rate of return
This past year saw a rate of return of 7.3%
The accumulated contributions and interest can be:
Paid as a lump sum (cash, net of withholding tax or RRSP transfer) before retirement, or
Used to purchase eligible service, or
converted to a monthly annuity at retirement

9. Investing through TRAF’s investment portfolio gives you access to markets that are not typically available to the average investor
You can start or stop contributions at any time
You pay $0.08 (today’s fee) on every $100 if you take as an annuity versus $2.50 (average) through another investment firm (eg: Great West Life)
Contributions are made through payroll and are automatic each month
Enrolling is easy! Visit the TRAF website for more information

10. $6000 contributions;
$3109 interest=
$9109 total available funds
$3000 in contributions;
$398 interest

11. Preferred Pharmacy Network
Express Scripts Canada Pharmacy and Costco

12. What is a Preferred Pharmacy Network?
A preferred pharmacy network is a group of pharmacies which involves a prescription plan that selects a group of preferred pharmacies (in this case Costco), who are willing to give the plans a larger discount than other pharmacies. 

13. How Does it Work?
Two pharmacies (Costco and Express Scripts Pharmacy Canada)
Costco is intended to be for short term prescriptions that need to be filled right away (you don’t need to be a Costco member to fill a prescription), however, can also be used for maintenance prescriptions
Express Scripts Canada Pharmacy (ESC), is available in Manitoba and is intended to be for maintenance medications for ongoing conditions.
ESC provides:
Free home delivery in Canada
Auto refills and renewal reminders
Online transfer and refill requests
On call pharmacists 24/7
Note: ESC will not fill prescriptions that contain narcotics

14. How do you save? You pay 10% of the cost, instead of the usual 20%
Lower dispensing fees than market
ESC fills 90 day supplies where appropriate, so you only pay 1 dispensing fee
Substitute lower cost alternatives (generic brands) if you and your doctor approve

15. How do you sign up? Visit member.express-scripts.ca
Use VIP Code: MSPE
Or call MEDS (6337)
Posters with info are in your staffrooms