Additional Information about your retiree benefits
Important Notice for Retirees and Survivors
The window for retirees and survivors to apply for new optional benefits has been extended to 8:00 p.m. on October 30, 2020. The deadline to submit Canada Life claims remains September 30, 2020.
Retirees who retired prior to July 1, 2020
You will now have until 8:00 p.m. on October 30, 2020 to elect new optional benefits.
Retirees who where participants in the Queen’s Retiree Benefits plan prior to July 1, 2020, are eligible to elect the New Optional Dental, Optional Out of Country Emergency Medical Top-Up and Optional Retiree and Spousal Life Insurance as described below.
Surviving spouses who where participants in the Queen’s Retiree Benefits plan prior to July 1, 2020, are eligible to elect the New Optional Dental and the Optional Out of Country Emergency Medical Top-Up as described below.
Retirees and survivors will be able to verify personal information, current coverage and apply for new optional benefits by contacting Manulife Customer Care Centre at 1-800-268-6195, Monday to Friday from 8 am until 8 pm until October 30, 2020 by 8:00 p.m. Please have the policy number (120156) and your certificate number with you when you call to ensure you are placed in the correct queue.
The deadline to submit paper claims to Canada Life for reimbursement for claims that occurred before July 1, 2020 remains September 30, 2020. As the university has changed benefits providers (moving from Canada Life to Manulife), there can be no exceptions made if you do not submit any outstanding claims postmarked by September 30, 2020.
Health and Dental claim forms can be found under the Group Claim forms page on the Canada Life website.
Manulife Retiree Information Video
Led by a representative from Manulife, the Retiree Information video provides a high level overview of the changes to the retiree benefits plan. While this presentation was designed for retirees who retired prior to July 1, 2020, there may be some information in the presentation for current survivors that may be useful.
Any questions? Call the Manulife Customer Care Centre at 1-800-268-6195, Monday to Friday from 8 a.m. until 8 p.m
Coverage Details for Current Retirees
Starting July 1, 2020, exciting new enhancements and optional coverage in the plan for current retirees and survivors include:
Health
Prescription drugs
- Pay Direct Drug Card (Benefits Card)
Optional Out of Country Emergency Medical Top-Up
- Retirees/Survivors age 65 and over – top up from 80% maximum to 100% coverage
Dental
Optional Dental
- 100% for basic procedures up to annual combined maximum
- 75% for major procedures up to annual combined maximum
Income Protection
Available to Retirees only.
Optional Retiree Life Insurance
- Evidence of insurability required
- Multiples of $25,000 up to a maximum of $250,000
Optional Spousal Life Insurance
- Evidence of insurability required
- Multiples of $25,000 up to a maximum of $250,000
Manulife Site Navigation Guide
The following information provides you with some tips on how to find some valuable resources on the Manulife Secure Site.
| Resource | Purpose | Manulife Site Navigation |
|---|---|---|
| Coverage Statement | Provides a summary of your coverage elections, premiums, list of insured dependents and beneficiaries | My Benefits > Coverage Details > Coverage Statement |
| Benefits at a Glance | An overview of the Queen’s benefits plan and your associated coverages | My Benefits > Coverage Details > Benefits at a Glance |
| Claim Forms | Paper claim forms for Health and Dental claims | Forms > Claim Forms > Find a Form |
| Update your address | Update your address on file with Manulife | My profile > Personal Information > Edit my personal information |
| Update your banking information | Update your banking information for your health and dental claim payments from Manulife | My profile > Banking Information > Edit my banking information |
| Check available balances | Check your available balances under the dental and paramedical benefit plans | Claims > Available Balances |
Need help navigating the site? You can also call the Manulife Customer Care Centre at 1-800-268-6195, Monday to Friday from 8 a.m. until 8 p.m.
Retiree and Survivor Premium Rates as of July 1, 2020
Plan Members Age 65 or Older
| Benefit | Retiree/Survivor Premium Rate (Including Tax) |
University Premium Rate (Including Tax) |
|
|---|---|---|---|
| Extended Health Care | $14.05 (single) $50.25 (family) |
$32.80 (single) $117.26 (family) |
|
| Optional Retiree Out-of-province Emergency Medical Top-up | $5.94 (single) $10.80 (family) |
$0.00 (single) $0.00 (family) |
|
| Optional Retiree Dental Care* | $50.40 (single) $131.17 (family) |
$0.00 (single) $0.00 (family) |
|
| Semi-Private Hospital | $5.68 (single) $14.81 (family) |
$0.00 (single) $0.00 (family) |
|
| Basic Life Insurance | $0.00/$1,000 | $0.206/$1,000 | |
| Optional Retiree and Spousal Life Insurance | Age | Rate per $1,000 | Rate per $1,000 |
| 65-69 | $1.109 | $0.00 | |
| 70-74 | $1.549 | $0.00 | |
| 75-79 | $1.733 | $0.00 | |
| 80-84 | $1.993 | $0.00 | |
| 85+ | $2.646 | $0.00 | |
* Dental rates are based on the 2019 ODA Fee Guide
Plan Members Under Age 65
| Benefit | Retiree/Survivor Premium Rate (Including Tax) |
University Premium Rate (Including Tax) |
|
|---|---|---|---|
| Extended Health Care | $22.83 (single) $80.08 (family) |
$53.28 (single) $186.85 (family) |
|
| Optional Retiree Dental Care* | $50.40 (single) $131.17 (family) |
$0.00 (single) $0.00 (family) |
|
| Semi-Private Hospital | $5.68 (single) $14.81 (family) |
$0.00 (single) $0.00 (family) |
|
| Basic Life Insurance | $0.093/$1,000 | $0.113/$1,000 | |
| Optional Retiree and Spousal Life Insurance | Age | Rate per $1,000 | Rate per $1,000 |
| 0-54 | $0.341 | $0.00 | |
| 55-59 | $0.597 | $0.00 | |
| 60-64 | $0.853 | $0.00 | |
* Dental rates are based on the 2019 ODA Fee Guide
For More Information
If you need help navigating the online tool or if you have questions about your benefit coverage, you can call Manulife Customer Care Centre at 1-800-268-6195, Monday to Friday from 8 am until 8 pm or contact the Queen’s Human Resource department.
You can also send questions regarding the transition to benefits.project@queensu.ca.