Group Benefit Premiums

Management and Professional Staff


Each year, the university reviews group benefit premiums for each staff group. MaPS premiums and price tags are adjusted, as required, to ensure adequate funding to maintain coverage. Many factors affect the ongoing costs of providing our group benefit coverage, including:

  • Changes in the demographics of our staff                 
  • Increased utilization of services
  • Inflationary increases in health and dental costs
  • Claim reserve requirements by the insurer

Monthly premiums and cost sharing can be found on the Benefits at a Glance documents which are updated regularly or on the Flexible Group Benefits Plan Information webpages. Health and dental benefits are provided through Alberta Blue Cross. Life Insurance and Long Term Disability benefits are insured by Manulife, and Accidental Death and Dismemberment and Critical Illness are insured by SSQ Financial Group.


Jan. 1, 2020 Spending Account Refresh

2020 is a Flex Credit refresh year. As 2020 is not a re-enrolment year, your are unable to change Flex Option choices or allocations to your spending accounts. Your Flex options continue to be locked until the next MaPS flex re-enrolment date effective January 1, 2021, unless you experience a qualified life event.

For the 2020 benefit year, Health and/or Wellness Spending Account credits will be refreshed with the same amount of credits and allocated to the same spending account(s) as in 2019. Your credits will be deposited to your Alberta Blue Cross account on January 1, 2020. To view your credits, sign in to your Alberta Blue Cross account.

Unused spending account credits may be carried forward for one benefit year after the year in which the credits were allocated. At the end of the second benefit year, unused credits will forfeit. Credits deposited on January 1, 2018 and not used by December 31, 2019 will be forfeited. You have until March 30, 2020 to submit all spending account claim expenses incurred in 2019.


Annual Rate Adjustments - January 1, 2020

Basic Life Insurance premium rates will decrease by 15% and the Long-Term Disability premium rates will decrease by 10%.

The Jan. 1, 2020 rates will be reflected on your Jan. 24, 2020 paycheque.

The rates shown below are monthly premiums with half of the monthly deductions taken from each pay. The example calculations show semi-monthly payroll deductions.

 

100% paid by the staff member 
Rates are stated per $1,000 of benefit

  1. Option 1

    Jan. 1, 2019: $0.1100

    Jan. 1, 2020: $0.0935

     

     

  2. Option 2

    Jan. 1, 2019: $0.1100

    Jan. 1, 2020: $0.0935

  3. Option 3

    Jan. 1, 2019: $0.1178

    Jan. 1, 2020: $0.1001

  4. Example

    For an employee earning $80,000, semi-monthly payroll deductions will change as follows:

    Option 1

    Jan. 1, 2019: $4.40

    Jan. 1, 2020: $3.74

    Option 2

    Jan. 1, 2019: $8.80

    Jan. 1, 2020: $7.48

    Option 3

    Jan. 1, 2019: $14.14

    Jan. 1, 2020: $12.01

100% paid by the staff member  
Rates are stated as a percentage of covered salary

  1. Option 1

    Regular, Fixed Term 

    Jan. 1, 2019: 1.285% 

    Jan. 1, 2020: 1.157% 

     

    Limited Term 

    Jan. 1, 2019: 0.452% 

    Jan. 1, 2020: 0.452% 

     

  2. Option 2

    Regular, Fixed Term 

    Jan. 1, 2019: 1.477% 

    Jan. 1, 2020: 1.329% 

     

    Limited Term 

    Jan. 1, 2019: 0.500% 

    Jan. 1, 2020: 0.500% 

  3. Option 3

    Regular, Fixed Term 

    Jan. 1, 2019: 1.501% 

    Jan. 1, 2020: 1.351% 

     

    Limited Term 

    Jan. 1, 2019: 0.517% 

    Jan. 1, 2020: 0.517% 

  4. Example

    For a regular employee earning $80,000 ($6,666.67 monthly), semi-monthly payroll deductions will change as follows:

    Option 1

    Jan. 1, 2019: $42.84

    Jan. 1, 2020: $38.57

    Option 2

    Jan. 1, 2019: $49.24

    Jan. 1, 2020: $44.30

    Option 3

    Jan. 1, 2019: $50.04

    Jan. 1, 2020: $45.03

100% paid by the university  
Rates are stated per $100,000 coverage

$1.40 per month (no change for 2020)


2020 Annual Flex Credits and Health and Dental Price Tags

Effective Jan. 1, 2020 Flex Credits are (no change from 2019):

  • Single employee = $2,405
  • Couple employee = $4,205
  • Family employee = $4,645
  1. Option 1

    Single: $195

    Couple & Family: $486

  2. Option 2

    Single: $1426

    Couple & Family: $1,097

  3. Option 3

    Single: $809

    Couple & Family: $2,023

  4. Option 4

    Single: $1,076

    Couple & Family: $2,660

  5. Option 5

    Single: $1,387

    Couple & Family: $3,419

  1. Option 1

    Single: $418

    Couple: $864

    Family: $1,170

  2. Option 2

    Single: $501

    Couple: $975

    Family: $1,337

  3. Option 3

    Single: $724

    Couple: $1,448

    Family: $1,985

  4. Option 4

    Single: $844

    Couple: $1,674

    Family: $2,334

  5. Option 5

    Single: $961

    Couple: $1,922

    Family: $2,627


Health/Wellness Spending Account - Claim Deadline Reminder

Spending Accounts operate on a credit carry forward basis. Unused flex credits may be carried forward for one year after the year in which the credits are allocated. At the end of the second year, unused credits are forfeited.

For example, any credits deposited on January 1, 2019 and not used by December 31, 2020, will be forfeited.

If you have credits available and wish to claim expenses incurred in 2019, you only have until March 31, 2020 to submit these claims. All claims must be submitted within the year that they are incurred, or during the 90 day run off period.

For questions regarding MaPS flexible benefits, please contact the Integrated Service Centre at 403-220-8800 or hr@ucalgary.ca


Voluntary Benefits

All costs for Optional Life, Voluntary AD&D and Voluntary Critical Illness can be found by selecting each individual benefit under the Flexible Group Benefits Plan Information plan overview chart.