Flexible Credits and Options
Management and Professional Staff
The flexible group benefit plan is comprised of three components with a variety of options to choose from to best suit your needs.
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Health and Dental
Annual flex credits are provided based on your dependent status (single/couple/family). A dependent is considered either an eligible child or spouse.Ìý
Enrol according to your dependent status (single/couple/family) andÌýselect one (of 5 possible) Health Flex Option and one (of 5 possible) Dental Flex Option.
- If your selected health and dental options costÌýless than your annual flex credits, you can allocate your excess credits to either a health spending and/or wellness spending account. UnallocatedÌýcreditsÌýwill automatically default to the health spending account.
- IfÌýyour selected health and dental options cost more than your annual flex credits,Ìýyou will be responsible to pay the difference through regular payroll deductions.
Please note that coverage cannot be waived even if you are covered under your spouse's group insurance plan. You can coordinate benefits if you have coverage under more than one benefit plan.
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Basic Life Insurance
Basic Life insurance is employee paid through semi-monthly payroll deductions.
Select one (of 3 possible) Basic Life Option.
- Medical evidence of insurability isÌýnot required at initial enrolmentÌýor if you select a higher Basic Life Option when you experience aÌýqualified life event.
- Medical evidence of insurability isÌýrequired to move to a higher Basic Life Option at re-enrolment—e.g. moving from Option 1 to Option 2 or moving from Option 2 to Option 3. The cost of providing medical evidence is your responsibility.
Please note that coverage cannot be waived.
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Long Term Disability
Long-term Disability is employee paid via semi-monthly payroll deductions.
Select one (of 3 possible) Long Term Disability Flex Option.
- Medical evidence of insurability isÌýnot required at initial enrolmentÌýor if you select a higher Basic Life Option when you experience a qualified life event.
- Medical evidence of insurability isÌýrequired to move to a higher Long Term DisabilityÌýFlex Option at re-enrolment—e.g. moving from Option 1 to Option 2 or moving from Option 2 to Option 3. The cost of providing medical evidence is your responsibility.
If you become disabled and your long term disability is approved, your benefit payment will be non taxable.
Please note that coverage cannot be waived.
As an eligible MaPS employee, you are automatically insured forÌýBasic Accidental Death & Dismemberment (AD&D)Ìýcoverage with a principal sum of $100,000 without having to provide any medical evidence of insurability.ÌýThe premium for this coverage is fully paid for by the Áù¾ÅÉ«ÌÃ.
The Basic AD&D benefit provides 24-hour coverage should you experience an accident resulting in death or serious injury. The amount that is paid will depend on the type of injury.
You can choose to enhance your coverage by purchasing Voluntary AD&D for yourself and your spouse. (see Voluntary Benefits).
The following benefits are available for you and/or your family on a voluntary basis. You pay for these benefits through payroll deductions. Medical evidence is required for some benefits.
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Voluntary Critical Illness
This additional coverage is available to employees and/or spouses up to age 70 and is designed to cover the gap between Disability insurance and Life insurance. In the event of a specified illness being diagnosed, a non-taxable lump sum benefit is payable. There are no restrictions on how these funds are used.
Coverage is available for employees and for spouses and can beÌýpurchased in units of $1,000 up to a maximum of $225,000.
- Medical evidence of insurabilityÌýis not requiredÌýup to the guaranteed amounts, provided you apply within 31 days of becoming a new MaPS employee,Ìýor within 31 days of certain qualified life events.
- Medical evidence of insurabilityÌýis requiredÌýfor all levels of coverage above the guaranteed amount or in all situations other than those stated above.ÌýThe cost of providing medical evidence is your responsibility.
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Voluntary Accidental Death & Dismemberment (AD&D)
This additional coverage is available to employees and/or spouses and provides 24-hour coverage for death, dismemberment, paralysis, loss of function as the result of an accident, and other value added benefits. Medical evidence of insurability is not requiredÌý
Coverage can be purchased in units of $1,000 to a maximum of $250,000.ÌýThe monthly cost for voluntary AD&D is $0.0155 per $1,000 of coverage. The cost for this benefit is your responsibility and is paid via payroll deductions.
You may select Voluntary AD&D coverage during initial enrolment or re-enrolment through the self-service tool or by contactingÌýbenefits@ucalgary.ca
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Optional Life Insurance
Medical evidence of insurabilityÌýis requiredÌýfor all amounts of Optional Employee and/or Spousal Life Insurance. It is not required for Optional Child Life Insurance.
Enrolment / Re-enrolment
When they are first hired, eligible employees enrol in the Flexible Group Benefits Plan through their Self Service. Their chosen flex options remain in place until the next re-enrolment period. Re-enrolment periods are effective every odd year: Jan. 1, 2025, Jan. 1, 2027, Jan. 1, 2029, etc. Employees are required to re-enrol in their benefits biennially through their Self Service and will receive communications in the fall leading up to the re-enrolment period. By revisiting and confirming their benefit choices every two years, individuals can ensure that their coverage aligns with their current needs, offering them the chance to make any necessary adjustments for the upcoming period. If you experience a life event,Ìýyou can change your flex options outside of the re-enrolment period.
Frequently Asked Questions
You are eligible to be covered under the MaPS Flexible Group Benefits Plan if you are on
- a regular appointment working at least 0.4 FTE
- a limited term appointment for a term 6 months or greater working at least 0.4 FTE
- a fixed term appointmentÌýfor a term 6 months or greater working at least 0.4 FTE
- a temporary relief appointment for a term 6 months or greater working at least 0.4 FTE
Note:Ìýtemporary relief appointments areÌýnot eligibleÌýfor Long Term Disability benefits
Employees in Qatar areÌý²Ô´Ç³ÙÌý±ð±ô¾±²µ¾±²ú±ô±ðÌýto participate in the MaPS Flexible Group Benefits Plan.Ìý MaPS employees in Qatar have expatriate medical coverage in addition to core health and dental coverage through Global XN.
The Áù¾ÅÉ«Ìà will provide the same amount of credits based on your dependent status regardless if you are working full-time or part-time as long as you are considered an eligible employee.
For new hire MaPS employees:Ìý
If you do not make and submit your option selections by the deadline, identified when you are invited to enroll in self-service, you will be defaulted into the following coverage levels:
- Life Insurance - Option 2
- Long Term Disability - Option 1
- Health - Option 3 with single coverage
- Dental - Option 3 with single coverage
- Any available excess Flex Credits will be allocated to your Health Spending Account (HSA)
For MaPS employees at re-enrolment:Ìý
If you do not make and submit your option selections by the re-enrolment deadline, you will be defaulted into yourÌýcurrentÌýcoverage levels and any excess flex credits will automatically be allocated to the Health Spending Account.ÌýYouÌýwill notÌýbe allowed to change your coverage levels or excess credit allocations until the next re-enrolment, unless you incur a qualified Life Event.
You will have the opportunity at re-enrolment to choose different Flex Options to meet your changing needs. You will receive an email notifying you to re-enrol.
The choices you make will be locked in until the next re-enrolment period which occurs every two years effective January 1 of each odd year.ÌýAn automatic refresh of the flexible credits for MaPS, including excess credits, occurs on January 1 of even years.
If the Flex Options you’ve chosen still work for you when it’s time to re-enrol, you need to confirm your selections and allocate any excess credits. Should you experience a qualified Life Event before it’s time to re-enrol, you may change your options within 31 days of the qualified event.
You have 31 days from the date of a qualified Life Event toÌýaccess benefits self-serviceÌýand update your information.Ìý
As a result of these Life Events you will be eligible to choose new Flex Options. You are not required to make a new choice, but if you feel that the existing options are no longer best for your new situation, you can make a new selection.
- Adding a dependent through marriage, common-law relationship,
- The birth/adoption of a child,
- Losing a spouse through separation, divorce or death,
- Substantial gain or loss of spousal benefit coverage
- Change in dependent – when one no longer becomes eligibleÌýif there is a change in family status
- Death of a dependent childÌýif there is a change in family status
If your dependent status and/or options change, your excess flex credits will be adjusted. Any unspent current year credits at the time of the event will be forfeited and will be replaced with new pro-rated credits.
Change in Dependent Status Only:
For the following situations, you are not eligible to change your Flex Option selections, but you will need to confirm or change a dependents’ status:
- A dependent losing eligibility (for example, a dependent reaches the age of 25 and is no longer covered, but you still have more than 1 eligible dependent)
- To confirm your dependent child that is over age 21 is still enrolled in an accredited educational institution
If you experience a dependent status change that isn’t a qualified life event flex credits will not be adjusted until the following January 1st.
You must enrol according to your true Dependent Status:
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Single - means you are single with no spouse (married or common-law) and have no eligible dependent children.
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Couple – means you either have a spouse (married or common-law) OR have only one eligible dependent child.
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Family – means either you have a spouse (married or common-law) with at least one eligible dependent child; OR are single (no spouse) with at least 2 eligible dependent children.
Eligible dependents include:
- Your legal spouse or common-law spouse (whom you have lived with for at least one year). You can only insure one spouse at a time.
- Your unmarried, unemployed dependent children including natural, adopted, or step children. Children of your common law spouse may be covered if they are living with you.
Dependent children must be:
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Under age 21
or -
Under age 25 if a full-time student attending an accredited educational institution, college or university
or -
Became totally and permanently incapacitated (due to a mental or physical disability) for a continuous period while still considered to be a Dependent under points 1 or 2 above .
You should review your beneficiary designation to be sure that it reflects your current intent. If your beneficiary dies before you or if there is no designated beneficiary, the benefit is payable to your estate. If one of your dependents dies while insured, the amount of the benefit will be paid to you. Once you have enrolled, make sure to send the paper beneficiary form to Human Resources as it is required in the event of a claim.
To learn more about death benefits and how they work seeÌýBeneficiary Designation Frequently Asked Questions.
Flexible Credits and Options Overview
The flexible group benefit plan is comprised of three components: flexible options and spending accounts, core benefits, and voluntary benefits. Each benefit component has a variety of options to choose that best suits individual needs.
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Flexible Benefits Enrolment Rules
- All Flex Choices will be locked until the next MaPS Flex Re-enrolment date.
- Re-enrolment periods are every two years effective Jan. 1 of each odd year (e.g. 2025, 2027)
- You may change your choices if you experience a Qualified Life Event (e.g. birth of a child, marriage, divorce, etc.), in which case you have 31 days to enter your qualified Life Event in Self-Service. Refer to the Life Events page for details.
- Annual Flex Credits are provided to you based on your dependent status (Single - just you, Couple - you and one dependent, Family - you and two or more dependents). A dependent is considered either an eligible child or spouse. Annual Flex Credits are applied to the annual cost of the Health and Dental option choices.
- You must enrol according to your true dependent status - Single, Couple, or Family.
- You must select one Health Flex Option and one Dental Flex Option You cannot waive coverage even if you are covered under your spouse's group insurance plan. You can coordinate benefits if you have coverage under more than one benefit plan.
- If the annual price of Health and Dental Flex Options selected cost less than your annual Flex Credits, excess credits can be allocated to a Health Spending and/or Wellness Spending Account.ÌýIf the Flex Options selected cost more than your Flex Credits, you will be responsible to pay the difference through regular payroll deductions. If you do not allocate your excess credits, they will automatically default to the Health Spending Account.
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You must select one Basic Life Flex Option. YouÌýcannot waiveÌýcoverage.
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Medical evidence isÌýnot required at initial enrolmentÌýor if you select a higher Basic Life Option when you experience a qualified Life Event.
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You will be required toÌýprovide medical evidence of insurability to move to a higher Basic Life Option at Re-enrolment—e.g. moving from Option 1 to Option 2 or moving from Option 2 to Option 3.
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The cost of providing medical evidence is your responsibility.
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You must select one Long Term Disability Flex Option. YouÌýcannot waiveÌýcoverage.
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Medical evidence is not required at initial enrolment or if you select a higherÌýLong Term Disability Option when you experience a qualified Life Event.
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You will be required toÌýprovide medical evidence of insurability to move to a higher Long Term Disability Option at Re-enrolment; e.g. moving from Option 1 to Option 2 or moving from Option 2 to Option 3.
-
The cost of providing medical evidence is your responsibility.
As an eligible MaPS employee, you are automatically insured for Basic AD&D coverage with a principal sum of $100,000 without having to provide any medical evidence of insurability.
- The Basic AD&D benefit provides 24-hour coverage should you experience an accident resulting in death or serious injury. The amount that is paid will depend upon the type of injury.
- The premium for this coverage is fully paid for by the Áù¾ÅÉ«ÌÃ.
- You can choose to enhance your coverage by purchasing Voluntary AD&D for yourself and your spouse.
For more information, view theÌý.
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FREQUENTLY ASKED QUESTIONS
Can I purchase additional AD&D?
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Yes, you are able to purchase Voluntary AD&D for either you and/or your spouse at any time. Medical evidence of insurability is not required. The Voluntary AD&D benefit provides 24-hour coverage should you and/or your spouse experience an accident resulting in death or serious injury.
Voluntary AD&D is available in units of $1,000 to a maximum principal sum of $250,000. The amount that is paid will depend upon the type of injury. The premium for this coverage is your responsibility through payroll deduction.
Do I need to provide medical evidence of insurability to enrol in either basic or voluntary AD&D?
No, medical evidence of insurability is not required for either Basic or Voluntary AD&D.
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Do I need to provide medical evidence of insurability to enrol in either basic or voluntary AD&D?
No, medical evidence of insurability is not required for either Basic or Voluntary AD&D.
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You may select any or all of these benefit coverages at initial enrolment or at any time, providing you remain eligible to participate in the benefit plan.
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Medical evidence of insurabilityÌýis requiredÌýfor all amounts of Optional Employee and/or Spousal Life.
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Medical evidence of insurabilityÌýis not requiredÌýfor Optional Child Life, Optional Employee and/or Spousal AD&D.
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Medical evidence of insurabilityÌýis not requiredÌýfor employee and spousal Voluntary Critical Illness up to the guaranteed amounts provided you apply within 31 days of becoming a new MaPS employee,Ìýor within 31 days of certain life events including (marriage or meeting the definition of common-law spouse andÌý birth/adoption, death, substantial gain/loss of spousal coverage).
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Medical evidence of insurabilityÌýis requiredÌýfor employee and spousal Voluntary Critical Illness for all levels of coverage above the guaranteed amount or in all situations other than those stated above.
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The cost of providing medical evidence is your responsibility.
Basic Life Options
Learn about the basic life options available to staff.
Long Term Disability Options
View plan options for MaPS long term disability.
Health and Dental Options
There are different coverage options for health and dental care. This allows employees to chose the plan that best suits their individual needs.
Base Benefit
Basic Accidental Death & Dismemberment (AD&D)
As an eligible MaPS employee, you are automatically insured for Basic AD&D coverage.
Voluntary Benefits
Voluntary Critical Illness (CI) (Employee and Spousal)
Voluntary Critical Illness Insurance is designed to cover the gap between Disability insurance and Life insurance which due to medical advances, people are now surviving. Survival may, however, create very substantial lifestyle changes which carry a heavy financial cost. In the event of a specified illness being diagnosed, a non-taxable lump sum benefit is payable. There are no restrictions on how these funds are used.
- Coverage is available for employees and for spouses.
- Coverage can be purchased in units of $1,000 up to a maximum of $225,000.
- Coverage is available up to age 70.
Voluntary Accidental Death and Dismemberment (AD&D)
This coverage is available to employees and/or spouses and provides 24-hour coverage for death, dismemberment, paralysis, loss of function as the result of an accident, and other value added benefits.
Coverage can be purchased in units of $1,000 to a maximum of $250,000.
The monthly cost for voluntary AD&D is $0.0155 per $1,000 of coverage. The cost for this benefit is your responsibility and is paid via payroll deductions.
You may select Voluntary AD&D coverage during initial enrolment or re-enrolment through the self-service tool or by contacting benefits@ucalgary.ca
Optional Life Insurance
Learn more about the optional life insurance available to MaPS.