Human Resources
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The benefits maxima are subject to an annual review, the following maxima are effective January 1, 2022:
Predetermination is highly recommended for all high cost expenses prior to incurring expense.
Benefit type | Coverage | Coverage maxima |
---|---|---|
Ambulance |
|
Covered at 100% |
Hearing aids |
|
Covered at 80% $768 per ear, per covered person, every 5 years |
Medical supplies and equipment |
|
Covered at 80% |
Orthopedic appliances |
|
Covered at 80% $768 per covered person per calendar year Reasonable and customary charges will apply per pair |
Orthopedic footwear |
|
Covered at 80% Reasonable and customary charges for three pairs every 2 years |
Out of country coverage |
|
100% up to $5,000,000 per covered person per lifetime |
Paramedical services |
|
Covered at 80% per person, per calendar year up to $975 for counselling services and up to $768 for all other paramedical services *OHIP maximum must be reached prior to claiming **80% of $12.00 per visit for the first 15 visits; thereafter 80% per person, per calendar year |
Prescription drugs |
|
Covered at 80% Dispensing fee cap is $7.00 Fertility drugs limited to $3000 lifetime maximum |
Private duty nursing |
|
Covered at 80% for the first 10 days in each calendar year; 100% thereafter up to a maximum of $23,271 |
Vision |
|
100% coverage up to $85 per person every two years |
Glucose Monitors |
|
80% coninsurance to a maximum of $4,000 per calendar year per person (maximum applies to CGM and FGM on a combined basis) ** Prescribed by a physician FGM sensors will need to be paid for up front and then submitted to Canada Life. If purchased through the pharmacy via drug card, it will be declined |
In vitro fertilization (IVF) |
|
A $30,000 lifetime maximum per member. Patient age <43. Eligible expenses: anaesthetist fees; cycle monitoring fee; 1 ultrasound and blood test once the in-vitro procedure has begun; embryo freezing – initial process, preparation, and annual storage limit of 1 year; embryo thawing; in vitro fertilization procedure; sperm thawing; sperm washing; transfer of frozen embryo Ineligible expenses: embryo donation program; donation to a sperm bank; egg freezing; donor’s fee or cost; medical expenses or services incurred by the surrogate mother; surrogate agency fee; surrogate mother’s fee |
Semi-private hospital |
|
Covered at 80% for the first 5 days in each calendar year; 100% thereafter Donwood and Homewood are limited to a lifetime maximum of 60 days |
Predetermination is highly recommended for all high cost expenses prior to incurring expense.
Benefit types | Coverage | Coverage maxima |
---|---|---|
Basic dental |
|
95% of the current fee guide in effect to a maximum of $2,466 per year per covered person |
Major restorative expenses |
|
50% of the fee guide in effect to a maximum of $3,716 per year per covered person |
Orthodontic services |
|
50% of the fee guide in effect to a lifetime maximum of $3,716 per covered person |
Benefit type | Employee group | Coverage details |
---|---|---|
Sick leave |
|
180 calendar days salary continuance |
|
90 calendar days salary continuance
|
|
Long term disability (LTD) |
|
|
Benefit type | Coverage | Coverage maximums |
---|---|---|
Basic life |
|
Maximum coverage is the lesser of 6 times employee annual base salary or $2,000,000 |
Additional basic life |
|
|
Optional life |
|
|
Optional spousal life |
|
$200,000 |
Business travel accident insurance |
|
$100,000 |
Please contact us at hrhelp@uwaterloo.ca with any questions or comments.
Want an answer right away? Try our new HR Chatbot!
The University of Waterloo acknowledges that much of our work takes place on the traditional territory of the Neutral, Anishinaabeg and Haudenosaunee peoples. Our main campus is situated on the Haldimand Tract, the land granted to the Six Nations that includes six miles on each side of the Grand River. Our active work toward reconciliation takes place across our campuses through research, learning, teaching, and community building, and is centralized within our Office of Indigenous Relations.