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Western is pleased to provide its regular, full-time faculty members with an extensive range of benefits. Choose from the scrolling list below to see a short description of each. For more comprehensive information, read your Faculty Benefits Booklet. Your UWOFA Collective agreement also contains more details about eligibility for benefits and other information.
Welcome to your Benefits at a Glance. Click one of the Benefits available towards the left to view a brief summary.
Covers transportation to the nearest hospital where treatment facilities are available.
Some benefit costs are completely covered by Western, and others require you to pay a portion. The cost for some optional benefits, such as Optional Life Insurance and Optional Accident Insurance are covered fully by those who opt to purchase them. Read more.
Pays up to $15 a visit after the 15th visit per calendar year. Includes X-rays ($35 a person per calendar year).
Covers 85% of usual charges for exams (every nine months) and dental services with a yearly combined maximum paid by you of $450 for singles and $900 for family coverage. Covers 80% of major restorative costs such as crowns, dentures. Current Fee Guide for General Practitioners and Specialists. If treatment is expected to cost more than $500, have your dentist prepare a pre-treatment plan for approval.
Give your dentist your Manulife card, and in most cases the dentist can submit the claim on your behalf. You may use your Health Care Spending Account to cover the balance you would normally be required to pay yourself.
Provides support for higher education for dependents of full-time employees. Currently a scholarship of $3,600 per academic year is awarded to eligible dependents enrolled full time in an accredited university program who maintain a minimum academic average of 68%. Other modified benefit levels for part time students and students of accredited community college programs are available. The University of Western Ontario Faculty Association (UWOFA) sets the eligibility and benefit payment provisions. See the Faculty Dependents' Tuition Scholarship Plan website for more details.
The maximum reimbursement for a dispensing fee is $6.11 per prescription. A partnership with various pharmacies referred to as Southwestern Ontario Health Care Partnership(HCP) allows lower charges for dispensing/professional fees. See list of participating pharmacies.
Eligible faculty members have $900 in credits that may be allocated annually (in $100 increments) to increase your Health Care Spending Account and/or your Professional Expense Reimbursement. In November of each year, you are asked to make your Flex Credit allocation for the following calendar year. If you do not actively choose where Flex Credits will go by the deadline, the default allocation is an extra $700 to your PER and $200 more to your HCSA. Read more.
Can be used to pay for many medical and dental expenses that are not covered or only partially covered by your Extended Health and Dental plans. Your base Health Care Spending Account is $225 per year faculty members with single coverage and $675 for those with family coverage.
For reimbursement use the Extended Health Care Claim Form and be sure to check the box that says “Check here to use your Health Care Spending Account (HCSA) to reimburse any unpaid portion of this claim.”
To see what’s available to in your Health Care Spending Account, sign in to the Manulife Financial website. You will need information from your Manulife card (Plan Contract and Member Certificate number) as well as your Manulife password. Once logged in, click on "My benefits”. You may also call Manulife Financial directly at 1-866-896-8515. Read more.
In addition to basic ward accommodation and any hospital services and supplies paid by provincial health care, Western will pay the difference between the basic ward accommodation and semi-private or private accommodation for hospitalizations in Canada. Hospitalization coverage outside of Canada is subject to maximum dollar costs.
Protects against loss of income during periods of medically supported absences due to either injury or illness. Includes a Sick Leave-Salary Continuance Plan for up to 15 weeks, and a Long Term Disability Insurance Plan paying a monthly benefit equal to 70% of your normal basic monthly salary for the first $80,000 and 65% for the next $40,000. The maximum benefit is $6,834 per month. Details can be found in the UWOFA Collective Agreement.
The Workplace Safety and Insurance Board (WSIB) provides insurance benefits to workers who have a work-related injury or illness.
Faculty Members may apply for Sabbatical Leave or other workload arrangements to alter the proportions of their academic responsibilities in teaching, research and service. Various other leaves available include Exchange Leave, Deferred Salary Leave, Education Leave and Leave of Absence. Details can be found in the UWOFA Collective Agreement.
Provides for insurance benefits upon the death of the individual covered. In addition to Basic Life Insurance, you may choose additional life insurance on your life and/or on the life of your family members. If you choose to increase a life insurance benefit at a date later than 31 days after enrolling, or 31 days after a dependent becomes eligible for coverage (example, a marriage, or birth of a child), a health questionnaire may be required.
Two optional plans – one for your life only or one that covers your life and your eligible family members. You may purchase any amount in multiples of $10,000 subject to a minimum of $20,000 and a maximum of $250,000. Plan covers accidental death, loss of limb, eye and a variety of other consequences of an accident. No Evidence of Good Health required.
For more details on the life insurance plans see your benefit booklet. Read more about the cost of optional coverage.
Covers custom made orthotics ($400 per year), orthopaedic shoes (subject to a deductible), hearing aids, surgical bandages, hospital bed and wheelchair rental, equipment for diabetes, etc. limits apply and coverage may require a written recommendation of a physician. Please note some supplies, may be eligible under the Assistive Devices Program through the Ontario Government.
Read more in your UWOFA benefit booklet.
Covers up to $200,000 per person per trip ($1,000,000 while on Sabbatical Leave) for health care expenses incurred as a result of a sudden unexpected illness or injury outside the employee’s province of residence in Canada or outside Canada. Covers hospital accommodation, physician charges in excess of amount paid by provincial health insurance, ground and air ambulance services, diagnostic services, medical appliances, etc. It also provides other emergency assistance services such as assistance in locating physician, hospitals, advance hospital/medical payment, supervision of medical treatment, transportation of patient and family members, repatriation and more. You should carry your benefits card with you containing the plan and certification numbers and the toll free Emergency Travel Assistance telephone number.
UWOFA has arranged for additional emergency travel insurance for faculty members, funded by individuals, for reimbursement of emergency claims between $200,000 and $1,000,000 per person per trip. For further information on this coverage contact UWOFA.
Western’s pension plans are defined contribution plans, a form of capital accumulation plan in which contributions are made by the employer and you. The Plan provides retirement income which is based on the total amount contributed by you and Western plus returns on the investments you have chosen. Western contributes 8.5% of your pensionable earnings into the Academic Pension Plan on your behalf, and as a member your required contribution is 5.5% of earnings (may be 1.5% if you joined on or before November 15, 2010 – these members may irrevocably elect to increase future contributions to the 5.5% level at any time). You direct the investments of all contributions to the plan. There are 15 funds to choose from across three asset classes. In addition to your required contribution, you may make voluntary contributions to your account up to the limit set by CRA.
To review the terms of the plan, please see the Western Retirement Plans website and the Retirement Plan Summary.
Early retirement is permitted any time within 10 years of your Normal Retirement Date. Individuals who became full-time members on or before June 30, 2007 and who have five years of full-time service, or those who became full-time on or after July 1, 2007 and have ten years of full-time service are eligible for Post-retirement Benefits including Extended Health and Dental Plans, out-of-country emergency medical and travel coverage ($200,000 per person per trip of 60 days or less) and a life insurance benefit of $15,000. Upon retirement, you may also convert your life insurance to a plan with our carrier at your cost. Check with Human Resources on costs - hrhelp@uwo.ca. Read more.
Note: In addition to the coverage noted below, you may use your Health Care Spending Account to cover the remaining cost of the services outlined.
Western provides Supplemental Employment Insurance Benefits (SEIB) - additional funds to “top up” EI benefits while on leave. More information on planning your leave is available on the Western Pregnancy, Parental and Adoption Leave website.
Covers 85% of the cost of eligible prescription drugs legally requiring a prescription and some drugs not legally requiring a prescription, but which are in an injectable format, or are life sustaining. You would pay 15%, but the maximum amount you would pay in any given year would be $450 for singles and $900 for those with family coverage. This does not apply to any internal maximums already defined in the Extended Health and Dental Plans. You may also use your Health Care Spending Account to cover the 15% you would normally pay.
The maximum reimbursement for a dispensing fee is $6.11 per prescription. A partnership with various pharmacies referred to as Southwestern Ontario Health Care Partnership(HCP) allows lower charges for dispensing/professional fees. See list of participating pharmacies.
Services of private duty nursing in your home by a registered nurse. Pre-approval is required.
Can be used to pay for professional expenses including conference registration, travel and accommodation, membership fees for professional and/or learned societies, journal subscriptions, to purchase a computer or software, and for other eligible expenses. PER base amount is $500. See “Flex Credits” if you wish to increase you PER or read more.
Unspent PER allocations, may be carried forward into subsequent years of the UWOFA/Western agreement (ending in 2014). Further carry forward is subject to negotiations.
To see your current PER balance, login to the Western Financials on the Finance website. After you have logged in, choose "Employee Self-Service", then "Professional Expense Inquiry".
Covers items such as artificial limbs, splints, braces, tracheotomy supplies, wigs, surgical stockings and more.
Covers group therapy ($6 per hour per person), family therapy ($18 per half hour), individual therapy and testing ($15 per half hour). All other visits limited to $15 per visit.
Includes natural health products, such as transdermal patches and nicotine gum, up to a lifetime maximum of $500 per person.
If you work past your Normal Retirement date, some benefits may change. Please read more in Benefit Coverage while working beyond your Normal Retirement Date.
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Tel: 519-661-2194
hrhelp@uwo.ca
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