Your Public Service Pension and Benefits
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Enlarge textThis is a summary of the life insurance offered to eligible members of the public service. As a member of the public service, your coverage can include one or two of the following:
Supplementary Death Benefit under the Public Service Superannuation Act
This benefit is provided to members of the public service pension plan, which is governed by the Public Service Superannuation Act.
Refer to Your Pension Plan at a Glance for an overview of
the Supplementary Death Benefit.
Life Insurance under the Public Service Management Insurance Plan
This benefit is offered to employees excluded from collective bargaining, certain designated groups and associate members. This coverage is in
addition to the above Supplementary Death Benefit or, if applicable, to any life insurance coverage provided under a plan sponsored by an employee
organization or public service union.
The table below presents a summary of the Life Insurance under the Public Service Management Insurance Plan. It does not contain all the details nor describe all limits, restrictions or exclusions. Refer to Your Life Insurance in Detail—Under the Public Service Management Insurance Plan for additional details.
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Optional coverage for:
- Full-time and part-time employees employed in managerial or confidential positions who are appointed for more than 6 months (part-time employees must work more than 1/3 of the normal work week) or who have completed 6 months of continuous employment
- Employees who were covered under the Public Service Management Insurance Plan before being represented by a bargaining agent and who have remained continuously employed since that time
- Eligible spouse or common-law partner and dependent children of eligible members
- You must enrol for Basic Life Insurance in order to apply for other types of life or accidental death and dismemberment insurance.
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To apply for coverage, you must complete an application form (available from your compensation advisor).
- If your completed application is received within 60 days of becoming eligible, coverage takes effect on the eligibility date.
- If your completed application is received more than 60 days after becoming eligible, evidence of insurability acceptable by the insurer is required and coverage takes effect on the 1st day of the month following receipt of the application by your Compensation Advisor.
- Evidence of insurability is required when you apply for Supplementary Life Insurance.
- Provisions for members of the Executive Group
- Lump-sum benefit equal to your annual salary rounded to the nearest $1,000
- Payable to your designated beneficiary(ies) in the event of your death from any cause
- Benefit reduction starting when you reach age 66
- Lump-sum benefit for members of the Executive Group equal to 2 times annual salary
- Additional lump-sum benefit equal to your annual salary rounded to the nearest $1,000
- Payable to your designated beneficiary (ies) in the event of your death from any cause
- Coverage reduction starting when you reach age 66
- Additional lump-sum benefit that can be purchased in units of $25,000 up to 10 units (members of the Executive Group are covered automatically for 10 units)
- Payable to your designated beneficiary(ies) in the event of your death as a result of an accident (on or off the job)
- Percentage of the selected insurance amount payable in the event of specific losses due to violent and accidental means
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Life Insurance:
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Lump-sum benefit payable to you in the event of your eligible spouse's (including common-law partner) or dependent child's death
from any cause:
- Spouse: $5,000
- Each dependent child: $2,500
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Lump-sum benefit payable to you in the event of your eligible spouse's (including common-law partner) or dependent child's death
from any cause:
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Accidental Death & Dismemberment Insurance:
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Lump-sum benefit payable to you in the event of your eligible spouse's (including common-law partner) or dependent child's
death as a result of an accident (this amount is in addition to the life insurance amount payable):
- Spouse: $5,000
- Each dependent child: $2,500
- Percentage of the insurance amount payable in the event of specific losses due to violent and accidental means
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Lump-sum benefit payable to you in the event of your eligible spouse's (including common-law partner) or dependent child's
death as a result of an accident (this amount is in addition to the life insurance amount payable):
- Coverage reduction when you reach age 66 for both Life and Accidental Death & Dismemberment Insurance (except for members of the Executive Group)
- Available only to members of the Executive Group and certain other groups who retire with an immediate continuing pension under the Public Service Superannuation Act
- Lump-sum benefit equal to your adjusted final salary at retirement
- Payable to your designated beneficiary(ies) in the event of your death from any cause
- Coverage reduction of 25% annually to a minimum of 25% in the 4th year
Contributions
- You pay 100% of the premiums.
- Members of the Executive Group and certain other groups are eligible for employer-paid insurance (with the exception of Supplementary Life Insurance and Post-Retirement Life Insurance)
- Provisions when receiving disability benefits
- Provisions when on leave without pay
- When your employment terminates
- When the insured person is no longer eligible
- Conversion privilege: 31 days coverage extension period during which you can apply for individual, private life insurance policy without a medical examination
- Post-Retirement Life Insurance for members of the Executive Group