Welcome to your Benefits at a Glance. From the list on the left, select a Benefit to view a brief summary.
Ambulance
Covers transportation to the nearest hospital where treatment facilities are available.
Benefit Costs
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.
Chiropractor
Pays up to $15 a visit after the 15th visit per calendar year. Includes X-rays ($35 a person per calendar year).
Dental Plan
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.
Dependent Tuition Scholarship Plan
Provides support for higher education for dependents of full-time employees. Currently a scholarship of $2,500 per academic year is awarded to eligible dependents enrolled full time in an accredited university program who maintain a minimum academic average of 70%. See the Western Special Constable Service Dependents' Tuition Scholarship Plan for more details.
Emergency Travel Assistance
Covers up to $200,000 per person per trip of up to 90 days in duration 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. Be sure to carry your benefits card with you containing the plan and certificate numbers and the toll free Emergency Travel Assistance telephone number.
Flex Credits
Eligible members have $800 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 $800 to your PER. Read more.
Health Care Spending Account
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 $200 per year. In addition, you may allocate Flex Credits to this account.
For reimbursement use the Extended Health Care Claim Form or the Group Benefits Dental Claim Form and be sure to check the box indicating you want your Health Care Spending Account to be used.
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.
Hospitalization
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.
Income Replacement
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. The maximum benefit is $5,000 per month. Details can be found in the OPSEU 102 Collective Agreement.
The Workplace Safety and Insurance Board (WSIB) provides insurance benefits to workers who have a work-related injury or illness.
Leaves
Members may take advantage of various leaves during their career at Western including Compassionate/Bereavement Leave, Pregnancy, Adoption and Parental Leave and Leave of Absence. Details can be found in the OPSEU 102 Collective Agreement.
Life Insurance
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.
Basic Life
- Life insurance on your life at two times your annual basic salary (rounded to the next higher $1,000). Western pays for the premium for the first $50,000 of coverage.
Optional Life:
- Additional life insurance on your life at 1/2, 1, 1½ or 2 times your annual basic salary. Premiums are dependent on your age, gender and smoking habits. Maximum combined coverage for Basic & Optional Life is $500,000.
Dependent Life:
- Life insurance on your spouse’s life at $40,000 and $10,000 for each of your eligible dependent children.
Accident Insurance
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 maximum of $500,000. 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.
Medical Supplies and Assistive Devices
Covers custom made orthotics ($400 per year), orthopaedic shoes, 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 OPSEU Local 102 benefit booklet.
Mental Health Professional Services
Effective March 1, 2024, the plan covers 85% of eligible expenses for services delivered by individuals who are registered by the College of Psychologists of Ontario, the College of Registered Psychotherapists of Ontario, the College of Nurses of Ontario, the College of Occupational Therapists of Ontario, the Ontario College of Social Workers, Ontario Registered Clinical Counsellor or the Canadian Registry of Marriage and Family Therapists.
Read about how to choose a therapist.
Pension Plan
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 a percentage of your pensionable earnings into the Administrative Staff Pension Plan on your behalf based on your years of service. Under 10 years, 7.5%, 10 to 19 years, 8.0% and 20 or more years, 8.5%. As a member your contribution is 2.5% of earnings. You direct the investments of all contributions to the plan. There are 13 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 Pension Plans website and the Pension Plan Summary.
Post-retirement Benefits
Early retirement is permitted any time within 10 years of your Normal Retirement Date. If you retire with a minimum of ten years of full-time service or for those individuals who were hired prior to July 1, 2007 and who have five years of service, are eligible for Post-retirement Benefits including Extended Health and Dental Plans, Emergency Travel Assistance ($1.5 million 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. To check on costs, use ASK HR to contact Human Resources or call 519-661-2194. Read more.
Practitioner Services
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.
- Acupuncturist: $15 a visit
- Osteopath: $15 a visit
- Podiatrist/Chiropodist: $15 a visit
- Massage Therapist: $15 a visit
- Physiotherapist: $15 a visit
- Naturopath: $15 a visit
- Speech Pathologist: $15 a visit
Pregnancy, Parental and Adoption
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.
Prescription Drugs
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. Read additional information regarding dispensing fees.
Professional Expense Reimbursement Account (PER)
Can be used to pay for professional expenses including conference registration and related 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 $300. See Flex Credits if you wish to increase your PER or read more.
Unspent PER allocations, may be carried forward into subsequent years of the OPSEU 102/Western agreement (ending in 2020). 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".
Prosthetic Appliances & Supplies
Covers items such as artificial limbs, splints, braces, tracheotomy supplies, wigs, surgical stockings and more.
Psychologist
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.
Smoking Cessation Aids
Includes natural health products, such as transdermal patches and nicotine gum, up to a lifetime maximum of $500 per person.
Visioncare
Eye glasses/contact lenses:
- $300 per person every two years
- Laser eye surgery may be claimed under the visioncare benefit.
Eye exams:
