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Do You Have Dependent Children?

August 27, 2018

If you have unmarried, natural, adopted or step children, under the age of 22 and not working more than 30 hours a week, unless they are full-time students, they are eligible for coverage through your group benefits plan with Great-West Life. If your child is age 22 or over, they must be a full-time student to maintain coverage until age 25.

Don’t forget to reconfirm Student Status!

To ensure your dependent children, age 22 to 25, continue to receive uninterrupted Health and Dental coverage for the duration of their formal education, be sure to update their student status with Great-West Life each year.

Is your Dependent Child considered a full-time student?

A child is considered a full-time student if they have registered in an education institution for 15 hours a week or more; sometime in the last 6 months. Your child is no longer deemed a dependent if they are being paid to attend an educational institution.

Is your child covered while studying abroad?

Your dependent child will remain on your Health and Dental plan for the duration of their education, or until they reach age 25 as long as approval is given by the student’s provincial health plan and meet the definition of eligible dependent child noted above. For more information on your provincial health plan, visit http://www.gov.mb.ca/health/mhsip/index.html.

Keep in mind, any routine or non-emergency services or expenses such as chiropractic care or prescription drugs incurred out-of-country will be reimbursed at the reasonable and customary amount charged in your home province of residence.

If you feel your dependent’s coverage is inadequate and require additional individual coverage, plans purchased in Canada for students abroad can be significantly less expensive than plans available through post-secondary institutions. Red River College Employees have access to HUB Emerge Personal Benefits which provides information and assistance in obtaining individual Health, Dental and Travel coverage. Contact HUB at 1-866-756-3281 or e-mail emerge@hubinternational.com for more information.

HUB Select Hospital Cash

The HUB Select program offers a variety of products and services such as Hospital Cash. Accidents and illness can happen without warning. When they result in hospitalization, there are unexpected costs not covered by government or employer plans that can cause you financial hardship, such as:

  • Lost wages
  • Child care or cleaning services
  • Mobility devices not covered by provincial plans
  • Overnight accommodation, meals, gas, and parking for visitors

The Hospital Cash program provides you with money to be used any way you want to assist with unexpected costs during your hospital stay. Single or Family coverage is available.

Visit the HUB Select website for more information at http://select.hubinternational.com/selectredriver/.

Supporting Your Wellness

The LifeWorks website offers a wealth of information and resources to help you make the most of all aspects of your life. For the month of August, LifeWorks is featuring a suite of resources called Addiction and Recovery.

Addiction and Recovery features a variety of resources to provide support to those with an addiction problem, as well as resources to support affected loved ones.

Be sure to visit www.lifeworks.com to take advantage of the 2018 content, including videos, podcasts, audio tips and much more.

For the RRC EFAP User ID and password, please contact Human Resources Services at 204-632-2319, refer to one of the EFAP posters around campus, or click here.

Dental Coverage

July 29, 2018

As part of Red River College’s Flex Benefits Program, employees have coverage for a variety of Health benefits depending on the Flex Option you are enrolled in. The Flex Options provide varying degrees of coverage for Drugs, Health, Dental Vision and Health Care Spending Account. We would like to take this opportunity to highlight some of the Dental benefits you may have coverage for under the Flexible Benefits Program.

Dental coverage is available for employees in Flex Options 1, 2, 4 and 5 under the Flexible Benefits Program. Your coverage is based on your Flex Option Choice.

Reimbursement of Dental expenses is subject to maximum amounts applicable to each benefit and considers reasonable and customary charges.

Dental Fee Guide

The plan covers customary charges, meaning they must not exceed the Dental Fee Guide in effect in your province of residence on the date the treatment is rendered. Denturist fee Guides are applicable when the services are provided by a dental hygienist practicing independently.

The above is a summary of the provisions of the group plan. In the event of a discrepancy between this benefit and the master contract, the terms of the contract will apply. Read More →

Beneficiary Designation

June 20, 2018

It is important to review your beneficiary designations regularly (once every 12 months) to ensure it reflects your current situation. Careful planning and consideration should be taken to ensure that the current situation is properly reflected in your designation and that the proceeds reach the intended hands. If you have recently experienced a Life Event or a change in family status, it may be a good time to review your beneficiary(ies).

Why should I designate a beneficiary?

Designating a named beneficiary(ies) ensures that proceeds from your death benefit do not form part of your estate in the event of your death. This will prevent the application of probate fees and ensure that the proceeds are not subject to the creditors of the estate. Additionally naming your beneficiary(ies) under a policy gives you control over who will receive proceeds from your death benefit.

If you do not name a beneficiary, death benefits will be paid to your estate and will be subject to estate taxes, and may be vulnerable to claims from creditors. Read More →

Life Events

May 28, 2018

When you elect a Health and Dental option, you are locked in at that level until the next re-enrolment period, which is every two years unless you experience a Life Event.

What is a Life Event?

A Life Event is:

  • Adding a spouse through marriage, common-law relationship, or birth/adoption of a child
  • Losing a spouse through death, separation or divorce
  • A child becomes ineligible under your plan
  • Your spouse loses or gains coverage through their own employer’s group plan

What do you do if you experience a Life Event?

You must contact Human Resource Services within 60 days after experiencing a Life Event. If a Life Event is not reported within 60 days you will not be eligible to change your Flex Option and your next opportunity will be during the next re-enrolment.

For more information on your Flex Options, refer to your benefits booklet. Read More →

Health Coverage

April 23, 2018

As part of Red River College’s Flex Benefits Program, employees have coverage for a variety of Health Benefits depending on the Flex Option you are enrolled in. The Flex Options provide varying degrees of coverage for Drugs, Health, Dental, Vision and Health Care Spending Account. We would like to take this opportunity to highlight some benefits you may have coverage for under the Flexible Benefits Program.

Paramedical Coverage

Paramedical coverage is available for employees in Flex Options 2, 4, and 5 under the Flexible Benefits Program. Your coverage is based on your Flex Option choice.

The term Paramedical is used to describe medical professionals including:

  • Audiologist
  • Athletic Therapist
  • Chiropractor
  • Dietician
  • Massage Therapist
  • Naturopath
  • Osteopath
  • Podiatrist/Chiropodist
  • Psychologist/Social Worker
  • Speech Therapist

In order for your paramedical expense to be eligible, your paramedical practitioner must be licensed by the appropriate provincial or federal organization.

Vision

Vision coverage is available for employees in Flex Options 1, 2, 4 and 5 under the Flexible Benefits Program. Your coverage is based on your Flex Option choice.

The following Vision expenses are eligible to the maximum dollar amount and frequency applicable to your Flex Option:

  • Eye Examinations
  • Glasses
  • Contact Lenses
  • Laser Eye Surgery

In order for your vision expense to be eligible, services must be performed by the appropriate licensed professional.

Reimbursement of Health Care expenses is subject to maximum amounts applicable to each benefit and considers reasonable and customary charges.

Please refer to your benefits booklet to see the maximum and coinsurance applicable to each paramedical practitioner for your Flex Option.

The above is a summary of the provisions of the group plan. In the event of a discrepancy between this benefit and the master contract, the terms of the group contract will apply. Read More →

Great-West Life Online

February 27, 2018

Have you taken advantage of all of the online resources Great-West Life has to offer? Registering online for GroupNet for Plan Members is easy, and gives you access to a wealth of user-friendly services!

What is GroupNet?

GroupNet for Plan Members gives you access to your group benefits information conveniently on your computer or mobile device. Once you are registered you will be able to:

  • Submit many of your claims online
  • Sign up for direct deposit of claim payments
  • View your claim status, explanation of benefits (EOB) and claim history
  • View your card information, including member ID, Drug, and Travel Assistance
  • Locate your nearest eClaims provider
  • Search drugs by name or drug identification number (DIN) to find out if they’re covered and at what percentage

Read More →

Health Care Spending Account & Claim Submission Requirements

January 18, 2018

Upcoming Submission Deadline!

We would like to take this opportunity to remind you that if you have claims from the 2017 benefit year that you have not yet claimed against your HCSA balance, there is a 90 day claims run-off period to submit these claims.

When is the deadline?

2017 claims must be received by Great-West Life prior to March 31st, 2018 to be claimed against your 2017 HCSA dollars. Any unused 2017 benefit dollars remaining after this period will be forfeited.

Read More →

Orthopedic Shoe Coverage

January 2, 2018

As part of Red River College’s Flex Benefits Program, Employees in Flex Options 2, 4 or 5 may have coverage for a variety of medical services and supplies, including orthopedic shoes. Your coverage is based on your Flex Option choice.

Read More →

Are you planning a winter vacation?

January 2, 2018

Are you planning a winter vacation?

Be sure you know and understand your Out-of-Country Emergency Travel Health Coverage.

What is my out-of-country medical emergency coverage?

Eligible Red River College employees and their eligible dependents have 100% Emergency Travel Health Coverage. Provincial healthcare plan coverage must also be in place for this to apply.

Read More →

Paramedical

October 24, 2017

Paramedical

As part of Red River College’s Flex Benefits Program, Employees in Flex Options 2, 4 or 5 may have coverage for a variety of Paramedical Practitioners. Your coverage is based on your Flex Option choice.

Read More →