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Paramedical Coverage

May 21, 2020

The Red River College benefits program provides coverage under applicable options for a variety of Paramedical Practitioners to support your health and wellness. Reimbursement of Paramedical expenses is based on your benefit option selected with consideration of the reasonable and customary limits.

What is a Paramedical Practitioner?

The term Paramedical is used to describe medical professional practitioners including:

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

In order for your paramedical expense to be considered eligible under the group benefits plan, your paramedical practitioner must be licensed by the appropriate provincial or federal organization (as applicable).

Virtual Health Care During COVID-19

As we continue to practice social distancing to help slow the spread of the COVID-19 virus, virtual health care is available. Canada Life will accept receipts for virtual appointments from the following paramedical practitioners:

  • Dietitian
  • Naturopath
  • Physiotherapist
  • Psychologist/Social Worker
  • Speech therapist

These are all subject to your benefit option selected and usual reasonable and customary limits. Please make sure to get proof of payment and submit these claims to Canada Life like any other claim.

Reasonable & Customary

Reimbursement of Health Care expenses, including coverage for paramedical practitioners, is subject to maximum amounts applicable to each benefit and considers reasonable and customary charges.
Reasonable – Treatment is considered reasonable if it is accepted by the Canadian medical profession, proven to be effective, and is of a form, intensity, frequency and duration essential to diagnosis or management of the disease or injury.

Customary – Customary charges are the lowest of:

  • Representative prices in the area where the treatment was provided,
  •  Prices shown in any applicable professional association or fee guide, and
  • Maximum prices established by law

Paramedical expenses may also be eligible under your Health Care Spending Account (HCSA), if applicable. The Income Tax Act governs the type of expenses that can be reimbursed under the HCSA. As the list of eligible medical expenses and authorized medical practitioners by province is subject to change, visit www.cra-arc.gc.ca and search medical expenses for a complete list.

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.

Supporting Your Wellness

May is Mental Health month and more than ever, it is critical we practice good mental health hygiene. Good mental health hygiene includes:

  • Getting quality sleep, which can leave us rested, clear-headed and able to keep up with the demands of our routine.
  • Regular physical activity is key to maintaining a balanced mental and physical state by reducing stress and our improving mood.
  • Eating a balanced diet heavy in fruits, vegetables and lean proteins that can help our body’s capacity to cope with emotions.
  • Reaching out for support when we need it.

You can access confidential support 24/7 through the Homewood Health Employee and Family Assistance Program (EFAP). Your EFAP can help with a variety of situations such as stress, anxiety, life change and transitions, relationship concerns, etc.

Your full suite of EFAP services includes counselling, Life Smart Coaching and Online resources, including homeweb.ca where you can find tips on how to improve your mental health hygiene.

The EFAP is a professional and confidential service to support you in all aspects of your life. Click here to review the Homewood Health EFAP resources available to you and to get contact information.

Beneficiary Designation

April 20, 2020

At least once a year, it is important to review your beneficiary to ensure it reflects your current situation. Careful planning and consideration should be taken to ensure proceeds reach the intended hands. If you have recently experienced a Life Event or a change in family situation, it may be a good time to review your beneficiary(ies).

What is a Beneficiary?

A beneficiary is:

  •  The person, people or entity named on the insurance policy who will receive any proceeds from death benefit(s).
  •  For example, you may want to name your spouse or child as the beneficiary to receive proceeds in the event of your death.

Why should I designate a Beneficiary(ies)?

Life insurance proceeds are not taxable provided the named beneficiary is a person, and not the ‘Estate’. If you do not name a beneficiary, Life and Accidental Death and Dismemberment benefits will be paid to your estate, will be subject to estate taxes and may be vulnerable to claims from creditors. You should discuss the tax implications with your personal financial advisor.

How do I change my eligible dependents and/or Beneficiary(ies)?

For further information on how to make these changes, please contact your Pay & Benefits Specialist https://www.rrc.ca/hr/contact/.

Access to the specific change forms can be found at the following links:

An original of the form(s) is required, however, in the meantime you can scan the filled out form(s) to humanresources@rrc.ca and mail the original(s) to:

Red River College

C409 – 2055 Notre Dame Avenue

Winnipeg, MB R3H 0J9

When can I change my Beneficiary(ies)?

Changes in life circumstances, including marriage, divorce, or the birth of a child, are often good times to assess beneficiary changes. However, you may change your beneficiary at any time.
Note: Irrevocable beneficiary designations can only be changed with the prior written consent of the irrevocable beneficiary.

What is a Primary and Contingent Beneficiary?

  • A primary beneficiary is the person or entity that first receives the proceeds of your account upon your death.
  • The contingent (secondary) beneficiary is your second choice to receive the benefit, only if the primary beneficiary dies before you.

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.

Supporting Your Wellness During COVID-19

The COVID-19 pandemic continues to be very stressful experience for individuals. Some common reactions include:

  • Emotional reactions:
    o Fear, anxiety, distress, anger, irritability, sadness, guilt, and uncertainty.
  • Mental reactions:
    o Disbelief about the extent of the outbreak, loss of concentration, recurring visions of media images about the pandemic, fearful thoughts about travelling, forgetfulness, indecisiveness, confusion, distressing dreams.
  • Physical reactions:
    o Numbness, shock, headaches, loss of appetite, difficulty sleeping, fatigue, nausea, and gastrointestinal problems.
  • Behavioural reactions:
    o Tearfulness, feeling disconnected, excessive vigilance, withdrawal or isolation from the mainstream population, increased tendency to blame or criticize others, increased consumption of alcohol or medication to cope with uncertainty.

These are all normal reactions people experience when they are in abnormally distressing situations. However, if you take good care of yourself, ensuring that you obtain any support you might need, you will gradually regain your normal sense of self.

If these reactions have not diminished from week to week, do not hesitate to contact your Employee & Family Assistance Program (EFAP) to talk with a professional. Your EFAP, provided by Homewood Health, is a professional, confidential, and proactive service to support you in all aspects of your life, especially during these challenging times.

Homewood Health can help support you and your family 24/7 with a full suite of EFAP services including counselling, Life Smart Coaching and Online resources.

In addition, Homewood Health’s website, homeweb.ca, includes resources related to the COVID-19 pandemic such as tips to address news anxiety, self-isolation and working from home.

Click here to review the Homewood Health EFAP resources available to you and to get contact information.

GroupNet for Plan Members

February 4, 2020

GroupNet gives you access to your benefits information and many user-friendly features conveniently on a mobile friendly platform available on any device!

GroupNet Features

Once you have registered for GroupNet you can:

  • Access your plan details
  • View benefit balances
  • Access your benefit card information and claim forms
  • Access your benefits booklet
  • Submit eligible claims
  • Access Canada Life’s (Great-West Life) Health & Wellness site
  • View your claim status, claim history and Explanation of Benefits (EOB)
  • Sign up for direct deposit to receive benefit payments faster
  • Search for eligible drugs or locate your nearest provider with Provider eClaims

How do I register GroupNet?

To register for GroupNet you will need:

  1. Your Plan Number
  2. Your Member ID

Registering only takes a few minutes. To register:

If you need help registering, click on the Need help registering link at the top of the registration screen or watch the short instructional video.

DrugHub

The DrugHub app for iOS is a virtual medicine cabinet that provides an easy way to track your medications. You can use DrugHub to set reminders to take medications, receive notifications when you are running low and search for thousands of medications, ingredients, interactions and side effects.

Provider eClaims

Provider eClaims offers point of sale claim submission at approved providers, including chiropractors, physiotherapists and opticians who have registered. You can find out if your provider is registered by checking the provider listing on GroupNet.

Online Claim Submission

You can submit many of your claims online for faster processing and payment! Online claim submission is available for covered health care services such as prescription drugs, dentalcare, visioncare and paramedical services.

At times, Canada Life (Great-West Life) may require a paper claim form and/or an invoice or receipt for certain claims, including medical services and supplies. Canada Life (Great-West Life) will notify you if a paper claim is required. If you are unsure, you can contact Canada Life (Great-West Life) at 1-800-957-9777 to determine whether your claim can be submitted online. If you need a paper claim form, they are available on GroupNet for Plan Members.

Supporting Your Wellness

The Homewood Health Employee and Family Assistance Program (EFAP) is a professional, confidential, and proactive service to support you in all aspects of your life.

After the busy holiday season, it is important to re-energize yourself for the New Year. For practical tips to help you re-energize, please click here.

Your EFAP can help with a variety of situations such as stress, anxiety, life change and transitions, relationship concerns, etc. Your full suite of EFAP services includes counselling, Life Smart Coaching and Online resources.

To review all the Homewood Health EFAP resources available to you and to get contact information click here.

Health Care Spending Account Claim Submission Requirements

December 18, 2019

Claim Submission Deadline

If you have claims from the 2019 benefit year that you have not yet claimed against your HCSA balance, there is a 90 day claims run-off period to submit them. 2019 claims must be received by Great-West Life prior to March 31st, 2020 to be claimed against your 2019 HCSA dollars.

What does the Health Care Spending Account (HCSA) cover?

The HCSA can be used to cover a range of benefits not normally covered under other types of group benefits plans or by provincial medical plans.

You are covered for 100% of eligible expenses that you incur while you and your dependents are covered, up to the total amount of dollars in your HCSA.

The Income Tax Act governs the types of expenses that can be reimbursed under the HCSA. This includes medical or dental services provided by a:

  • Licensed medical practitioner;
  • Dentist; or
  • Public or licensed private hospital.

Please visit www.canada.ca and search on medical expenses for a complete list.

Who does my HCSA cover?

You and your dependents, including your spouse and children, are eligible under the HCSA. The HCSA also offers two more ways a dependent can qualify:

  • if your child is no longer eligible for group benefits because of student age restrictions, he or she can qualify under the HCSA;
  • if there is another person for whom you are entitled to claim a medical expense tax credit under the Income Tax Act, that person is eligible under the HCSA.

This means that a dependent who doesn’t qualify under a regular group plan, may qualify under the HCSA.

When does my HCSA refresh?

On January 1st, 2020 your HCSA will refresh based on the Flex Option you have chosen and part-time/full-time status where applicable. Please visit www.greatwestlife.com to review your claims history and obtain your HCSA statement including balance.

What happens if I have excess claims from 2019?

Under the HCSA, you can carry forward claims up to 12 months from the date of service. This means if you had more 2019 expenses than you had 2019 HCSA dollars, you can carry forward those claims for reimbursement against your 2020 HCSA balance.

Supporting Your Wellness

The Homewood Health Employee and Family Assistance Program (EFAP) is a professional, confidential, and proactive service to support you in all aspects of your life.

Your EFAP can help with a variety of situations such as stress, anxiety, life change and transitions, relationship concerns, etc. Your full suite of EFAP services includes counselling, Life Smart Coaching and Online resources.

For practical tips for Holiday Stress and Anxiety Prevention, please Click here.

To review all the Homewood Health EFAP resources available to you and to get contact information Click here.

I Am RRC

November 25, 2019

We believe that what we’re doing is working when it comes to fostering an environment where our diversity is one of our greatest strengths, but we also believe we can and must do more to expand and enhance initiatives supporting our College community, as well as acknowledge and celebrate the unique differences that makes Red River Colleges so special.

This month we’re asking Red River College staff and students to declare their diversity via an online form. Here’s why some of your friends and peers are making their voices heard:


Vassanthanathan Aruljothi“It is important to declare my personal identity to remember my humble beginnings in life. This platform enables me to be proud of who I am. I have been beaten and bullied for the way I look, the way I speak, and the way I am. However, through this campaign, I have an opportunity to accept that I do not have to be embarrassed to be myself.”
 
Vassanthanathan Aruljothi
College and Public Relations


Rebecca Chartrand“I am a proud Anishinaabe, Inninew and Métis woman. I want people to know that I am proud of my heritage and that I play a significant role in creating training and employment opportunities for students. I also want to help demystify stereotypes. I am Indigenous, I am educated, and I am making a difference.”
 
Rebecca Chartrand
Executive Director, Indigenous Strategy


Jenny Wang“It is important for all people to declare who they are. By doing this, we are embracing diversities, appreciating differences and acknowledging our various roles in life. As an Asian woman and working professional, I want to be a supportive and visible piece of our diverse and beautiful community. I appreciate others’ differences, just as others appreciate my uniqueness.”
 
Jenny Wang
International Project/Student Recruitment Officer
Centre for International Education and Global Partnerships


Margarita Natcheva“As a new Canadian citizen, I know firsthand the benefits of diversity and inclusion. I love all the diversity at the College. I think it is beautiful and fascinating. I represent a little piece of this diversity and I want to learn about everyone else.”
 
Margarita Natcheva
International Student Support Representative
Centre for International Education and Global Partnerships


Melissa Ghidoni“As a woman with invisible disabilities, I want to help end the stigma that others may face. RRC gives me the ability to pursue a post-secondary education without having to worry about potential barriers. I’m proud to identify the way that I do. This is me, take it or leave it.”
 
Melissa Ghidoni
Vice-President External, RRC Students’ Association
Student, Business Administration


Wanita C. Masakeyash“As an Indigenous young adult, I have been afraid of being judged and stereotyped because of my background for so long. However, I’ve realized that it does not matter. Being Indigenous doesn’t change how I treat my neighbors. I believe our own intentions affect not only others but also ourselves. Self-awareness is important for self-growth.”
 
Wanita C. Masakeyash
Student, Indigenous Language–Cree and Justice and Public Safety


If you’d like to self-declare your diversity, please check your RRC email. An invitation with a link to the form was sent to you there. Or contact Priyani Mediwake, Diversity and Inclusion Specialist.

Find out more about our Diversity Matters campaign ›

Planning a winter vacation?

November 25, 2019

If you’re planning on traveling outside your province of residence this winter, it is important to know and understand your Out-of-Country Emergency Travel Health Coverage.

What to do during an out-of-country medical emergency

  1. Call Global Medical Assistance (GMA) as soon as possible, during or immediately following a medical situation, for medical assistance. Their worldwide communications network operates 24 hours a day. The GMA toll-free numbers are located on the back of your benefits card. If you need assistance during a medical emergency while traveling, call the number listed below:
    • From Canada or the U.S.: 1-855-222-4051
    • From Mexico: 0-1-800-522-0029
    • Dominican Republic: 1-800-203-9530
    • Universal countries: 1-800-9006-7555
    • Cuba: 1-204-946-2946 (call direct)
    • All other countries: 1-204-946-2577 (call direct or collect)
    • For tips before travelling and a list of all emergency assistance phone numbers (including a Universal countries listing), visit the Great-West Life website.
  1. Be prepared to provide the following information:
    • The name of the person covered
    • The group and contract number; and
    • A description of the problem

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.

How long am I covered for while traveling?

You are eligible for out-of-country medical emergency coverage for trips up to 90 days. As the Provincial healthcare plan includes travel length limitations, you may want to consider requesting a coverage extension for your provincial healthcare coverage if you are planning on travelling for an extended period of time.

What am I covered for while travelling?

Out-of-country medical emergency coverage includes coverage for medical emergencies, which are defined as “a sudden, unexpected injury or acute episode of disease” which cannot be reasonably anticipated based on your health in the few weeks leading up to your departure. In some cases, Great-West Life may request medical records for up to three months prior to your departure as evidence that the medical emergency was not anticipated.

Coverage does not include trip cancellation, trip interruption or loss or damage of baggage and you will not be covered if you are travelling against medical advice.

How can I purchase additional travel coverage?

If you would like to purchase additional travel coverage, contact our benefits consultant, HUB International for assistance with Travel Insurance. HUB can be reached toll free at 1-866-756-3281 or by emailing emerge@hubinternational.com.

Vacation Check List

  • Leave details of your insurance coverage and copies of other important documents with a contact person at home.
  • Talk to your doctor to address any concerns about travelling with a medical condition.
  • Check the Travel Advise and Advisories page on the Government of Canada’s website for destination specific travel information. The Government of Canada suggests you check the Travel Advice and Advisories page while you are planning your trip and again shortly before you leave.
  • Pack all of your important documents, including:
    • Your Great-West Life Benefits Card (either your Benefits Card with travel assistance contact numbers or your Travel Emergency Medical Card)
    • Your provincial health card
    • A valid passport
    • Medications; and
      • Be sure to bring sufficient quantities with you, keep it in the original container, pack it with you in your carry-on luggage and you may want to carry a copy of your prescription(s) with you.
    • Other important documents
      • Some countries may require confirmation of medical insurance from travelers. Check the Government of Canada’s Travel Advise and Advisories website for destination entry requirements. If you require proof of insurance and your provincial health insurance card is not sufficient, you can contact Great-West Life at 1-800-957-9777 to request a letter.

Supporting Your Wellness

The Homewood Health Employee and Family Assistance Program (EFAP) is a professional, confidential, and proactive service to support you in all aspects of your life.

Your EFAP can help with a variety of situations such as stress, anxiety, life change and transitions, relationship concerns, etc. Your full suite of EFAP services includes counselling, Life Smart Coaching and Online resources.

Review the Homewood Health EFAP resources available to you and to get contact information.

Coordination of Benefits

October 22, 2019

Coordination of Benefits, or COB, is a benefit claim procedure developed by the Canadian Life and Health Insurance Association (CLHIA) for individuals covered under two or more Health and/or Dental Plans.

Applying this procedure ensures that you and your dependents receive the maximum eligible benefits available from all plans under which you are covered. It also outlines the method used for determining where to submit your claims first.

The Explanation of Benefits (EOB) is an important document in the application of COB. An EOB (also called a payment summary) is a letter from the insurance company which is sent to you with the claim reimbursement or available on GroupNet when the claim is submitted online. It outlines the amount of expenses and how much has been reimbursed. For drug claims paid via your drug card, your pharmacy receipt is considered your EOB.

Here is a brief summary of the EOB process:

Supporting Your Wellness

The Homewood Health Employee and Family Assistance Program (EFAP) is a professional, confidential, and proactive service to support you in all aspects of your life.

Your EFAP can help with a variety of situations such as stress, anxiety, life change and transitions, relationship concerns, etc. Your full suite of EFAP services includes counselling, Life Smart Coaching and Online resources.

Click here to review the Homewood Health EFAP resources available to you and to get contact information.

Beneficiary Designation

September 23, 2019

It is important to review your beneficiary designations on a regular basis, at least once per year, to ensure it reflects your current situation. Careful planning and consideration should be taken to ensure proceeds reach the intended hands. If you have recently experienced a Life Event or a change in family situation, it may be a good time to review your beneficiary(ies).

What is a Beneficiary?

A beneficiary is the person, people or entity named on the insurance policy who will receive any proceeds from death benefit(s). For example, you may want to name your spouse or child as the beneficiary to receive proceeds in the event of your death.

Why should I designate a Beneficiary(ies)?

Life insurance proceeds are not taxable provided the named beneficiary is a person, and not the ‘Estate’. If you do not name a beneficiary, Life and Accidental Death and Dismemberment benefits will be paid to your estate, will be subject to estate taxes and may be vulnerable to claims from creditors. You should discuss the tax implications with your personal financial advisor.

How do I change my Beneficiary(ies)?

For further information on how to make these changes, please contact your Pay & Benefits Specialist.

Access to the specific change forms can be found at the following links:

When can I change my Beneficiary(ies)?

Generally, you may change your beneficiary at any time. Changes in life circumstances, including marriage, divorce, or the birth of a child, are often good times to assess beneficiary changes. Note: Irrevocable beneficiary designations can only be changed with the prior written consent of the irrevocable beneficiary.

What is a Primary and Contingent Beneficiary?

Your primary beneficiary is the person or entity that first receives the proceeds of your account upon your death. The contingent (secondary) beneficiary is your second choice to receive the benefit, only if the primary beneficiary dies before you.

Supporting Your Wellness

The Homewood Health Employee and Family Assistance Program (EFAP) is a professional, confidential, and proactive service to support you in all aspects of your life.

Your EFAP can help with a variety of situations such as stress, anxiety, life change and transitions, relationship concerns, etc. Your full suite of EFAP services includes counselling, Life Smart Coaching and Online resources.

Through your EFAP you can receive coaching support for a variety of life balance and health issues. Life Smart Coaching services are available by phone and can assist you with a variety of life balance and health issues including Financial Consultations.

Click here to review the Homewood Health EFAP resources available to you and to get contact information.

Is your child attending University or College?

August 19, 2019

If you have eligible dependent children who are age 22 or over and are full-time students, it is time to reconfirm student status.

To ensure your dependent children continue to receive uninterrupted Health and Dental coverage for the duration of their formal education, be sure to update their student status with Pay & Benefits by e-mailing paybenefits@rrc.ca. Read More →

Life Events

July 15, 2019

Once you elect a Health & Dental option, you are locked in to that option until the next re-enrolment period which occurs every two years. The only exception is if you experience a Life Event. Read More →