Insurance

Life Insurance

Life insurance is optional.

Basic Life insurance
Life insurance is optional. For those under 65, the basic life insurance policy allows the choice between one time your annual salary with a minimum of $35,000 or two times your annual salary with a minimum of $70,000. Those 65-70 years old can insure their life for one time their salary. Those 70 or over have access to $10,000 in insurance. Spouses under 65 can be insured for $10,000. From 65-70 their insurance drops to $5,000. A dependent child can be insured for $5,000. You can examine the cost of the life insurance including the supplementary insurance described below here

Supplementary Life Insurance
Supplementary insurance can be bought in 10 slices of $25,000 to a total of $250,000 for either the teacher or spouse if the basic insurance is taken. Evidence of insurability is always required for supplementary insurance.

Insurance for certain serious diseases
Those with the basic life insurance are also covered for certain serious diseases for an amount of up to $25,000. There are conditions and not all diseases are covered. You can find details on pages 47 to 53 in the full brochure which is available here.

Conditions for access to life insurance without Proof of insurability
A non permanent teacher must apply for life insurance within 30 days of being hired or will be required to provide proof of insurability (good health). However, if the teacher establishes a relationship under conditions described below or has a baby or adopts, the teacher again has 30 days to request insurance without proof of insurability. The 30 days for a relationship begins the day of marriage or a legal civil union, the day after a year of cohabitation or the first day of cohabitation if there was a previous relationship of cohabitation of over a year.

When a teacher becomes permanent the teacher has again 30 days to apply without proof of insurability. If a teacher does not maintain life insurance during a leave, the teacher has 30 days from the return to active teaching to renew the insurance without proof of insurability.

Sabbatical Leave
During a sabbatical leave the insurance is based on the salary the teacher would be earning if there was no sabbatical leave i.e. the normal full salary.

Medical Questionnaire (to be filled out if you would like to add life insurance above your current coverage)
Déclaration d'assurabilité (si vous voulez obtenir ou augmenter votre protection en assurance vie)