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Ryerson University
For the purposes of the Business Travel Accident Plan and the Voluntary Accident Insurance Plan, an accident is a sudden, unforeseen, and unexpected event that happens by chance and arises from a source that is external to the insured person. It must be the direct cause of the loss or the loss of use and be independent of illness, disease, or other bodily malfunction. You are considered actively at work on any day on which you are physically and mentally fit to perform all the usual and customary duties of your occupation with Ryerson. This includes a scheduled working day when you are not present at work but you are capable of working (i.e., you are not in hospital or disabled or ill), or a day when you are not scheduled to work if, on your last scheduled working day you were actively at work. This is one method of paying for benefit coverage. The plan sponsor reimburses the insurance company for all claims paid, plus administration fees & taxes. If the liability or risk can be reasonably measured and cash flow fluctuation is not an issue, than the sponsor is only paying for what has been utilized. The risk to the sponsor is for a catastrophic claim in the tens of thousands of dollars. At Ryerson, the medical and dental benefits are paid for on an ASO basis. Your basic annual earnings include your current salary from Ryerson. It excludes any bonus, commission, overtime, or incentive pay you may receive. A beneficiary refers to the person who will receive the loss of life benefit from a benefits plan if you die (e.g., the lump sum from a life insurance plan or the loss of life benefit under an accident insurance plan). Under the Voluntary Accident Insurance Plan, if you have not named a beneficiary, the first surviving person(s) in the list below will receive your loss of life benefit, in the following order:
  • Your spouse;
  • In equal shares to your children;
  • In equal shares to your parents;
  • In equal shares to your siblings;
  • To your estate.
You would receive any accident insurance benefits other than the loss of life benefit.
The benefit year is January 1 to December 31, inclusive. A calendar year is January 1 to December 31, inclusive. See dependent child If your spouse has group benefits coverage with another insurance company, or with Ryerson University through Sun Life Financial, benefits are coordinated between the two insurance plans. Details on coordination of benefits can be found on the HR website. The deductible is the amount you pay out of pocket before the plan begins paying for covered expenses. The deductible is $25/year excluding hospital expenses. Coverage for dental expenses. There is no provincial plan for dental expenses. The plan is an ASO arrangement with Sun Life and Ryerson pays 100% of the costs. Dependent children may be insured under the Ryerson benefits program for medical and dental benefits and voluntary accident insurance. The term dependent child means an unmarried child
  • who is under 21 years of age and depends on you for support; or
  • who is under 25 years of age, depends on you for support, and is attending an institution of higher learning* as a full-time student; or
  • who is any age (if covered before age 21, or before age 25 if a student) and who is permanently mentally or physically disabled and incapable of self-support.**
Stepchildren and legally adopted children are eligible if they depend on you for support. Children of a common-law spouse are eligible during the time that coverage for the spouse is in effect and if the children depend on you for support.
* You must provide confirmation of the child's enrollment in full-time studies at an educational institution recognized by the Canada Revenue Agency, to the Human Resources Benefits Unit.
** You must obtain and complete a Disabled Dependent Questionnaire from Sun Life for any dependent child(ren) who is/are permanently mentally or physically disabled.
Your dependents include your spouse and dependent children as defined elsewhere in this glossary. The amount that the pharmacist charges to dispense a prescription drug. A doctor is a person who is licensed as a medical doctor or a doctor of osteopathy under the laws of the jurisdiction where treatment is given and who is qualified to provide the medical treatment. Doctor does not include a family member of the insured person, a social worker, a physiotherapist, or a chiropractor. Under the Voluntary Accident Insurance Plan the term domestic partner means a person
  • who is at least 18 years of age,
  • who has been in a committed relationship with you throughout the past 12 months,
  • who has been your sole spousal equivalent,
  • who has lived in the same household as you, and
  • who intends to continue the relationship described above indefinitely.
Extended Health Care. Designed to complement provincial health plans (OHIP/UHIP). Coverage for many medical expenses above what is provided by OHIP/UHIP. The plan is an ASO arrangement with Sun Life and Ryerson pays 100% of the costs. In the Long Term Disability Plan policy, this term refers to a "waiting period” before LTD benefits can begin and usually coincides with the period of time during which Sick Leave benefits are payable, although there are some exceptions. The elimination period begins with the first full day of total disability and ends
  • after a period of total disability of 66 working days, or
  • on the last day that a benefit under any loss of income or salary continuance plan is payable, if earlier.
If your total disability starts while you are on strike; temporary layoff; an approved leave of absence without pay; or a period of absence recognized as the normal non-work period if you are working a reduced workload or partial year; the elimination period begins on the date you would have normally been scheduled to return to work.
If you are considered to be a reduced workload or partial year employee, and your total disability starts while you are actively at work and continues until the date recognized as the non-work period, the elimination period will be suspended, if not yet completed, and will restart on the date you would have normally been scheduled to return to work.
If your total disability starts while you are on an approved leave of absence with pay, the elimination period begins on the date you become totally disabled.
In the case of pregnancy, the elimination period starts on the earlier of the date pregnancy terminates and the date the employee is totally disabled.
An emergency is an acute unexpected condition, illness, disease, or injury that requires immediate assistance. An employee is a person employed by Ryerson. An employee must reside in Canada, or may temporarily reside outside Canada if on a leave of absence approved by Ryerson. Anyone who is not entitled to benefits under either a provincial health care plan (e.g., OHIP or UHIP, see definition below) or a federal government plan that provides similar benefits is not considered to be an employee for purposes of health coverage. The fee guide of the Ontario Dental Association (ODA) lists procedure codes that identify individual treatments performed by dentists in Ontario. The guide also provides a recommended fee for each treatment. Sun Life, the carrier for the Ryerson Dental Plan, refers to the current ODA fee guide to determine the maximum the Plan will pay for each dental service. In the case of laboratory fees, the Plan will reimburse 66 2/3% of the procedure fee listed in the current fee guide. A hospital is a public institution, building, or place providing treatment for or attempting to cure a person suffering from an illness and requiring continuous confinement. This includes similar places providing specialized treatment for convalescing or chronically ill persons when approved by Sun Life. This does not include nursing homes, homes for the aged, rest homes, or other places providing similar care. An illness is a bodily injury, disease, mental infirmity, or sickness. Under the Business Travel Accident Insurance Plan and the Voluntary Accident Insurance Plan, a loss is as follows:
  • Arms and legs - severance through or above elbow or knee joints.
  • Feet - severance through or above ankle joints.
  • Hand - severance through or above the knuckle joints of at least four fingers on the same hand or at least three fingers and the thumb on the same hand.
  • Thumb and index finger of the same hand - severance through or above knuckle joint of each digit.
  • Toes - severance through or above metatarsophalangeal joints.
  • Sight - entire and irrecoverable loss of sight. Remaining vision in that eye must be no better than 20/200 using a corrective aid or device, as determined by a doctor.
  • Speech and hearing - permanent, irrecoverable, and total loss, without the aid of mechanical devices, as determined by a doctor.
  • Quadriplegia, paraplegia, hemiplegia – complete and irreversible loss of all motion and all practical use of an arm or leg that is continuous for 12 months, as determined by an doctor.
If a limb, hand, foot, thumb, or index finger is later reattached, the original loss is still considered an eligible loss under the policy.
Under the Business Travel Accident Plan and the Voluntary Accident Insurance Plan, loss of use means the total and irrecoverable loss of use of a body part. For benefits to be payable, the loss of use must continue for 12 consecutive months after which the benefit for loss of use is payable, and nerve damage must be determined to be permanent afterward. A minor is someone who is less than 18 years old. This government-operated program provides health insurance for Ontarians. It pays for ward accommodation in hospitals and for most routine medical services.
Enrollment is handled directly by OHIP. Each member of your family (even children under 21 years of age) who is covered by OHIP should have his or her own individual OHIP health card.
Information about OHIP coverage and the covered services and supplies is available from the Ontario Ministry of Health and Long-Term Care.
Coverage is provided while employees are out of the province and require medical care. An emergency means an acute illness or accidental injury that requires immediate, medically necessary treatment prescribed by a doctor. Having a heart attack while vacationing in Florida would be covered; needing regular dialysis treatment would not. Ryerson has insured a portion of this benefit so that if aggregate claims exceed $40,000, the remainder of any claims are insured (i.e. does not show up on the ASO statement). A premium is the amount of money that a plan participant or an employer pays to an insurance company for a specified amount of insurance coverage. A drug that has a drug identification number (DIN) and is prescribed in writing by a doctor. A revocable beneficiary is a beneficiary designation which you have the right to change at any time without the beneficiary’s consent. The Ryerson Faculty Association represents full-time and probationary faculty, professional counselors, and librarians. Your spouse may be insured under the Ryerson benefits program for medical and dental benefits and voluntary accident insurance.
Your spouse is either
(a) the person to whom you are married by virtue of a legal marriage or under any other formal union recognized by law, or
(b) a person of the opposite sex or of the same sex who is publicly represented as your spouse and has been continually so represented for at least the previous year.*
Under the Voluntary Accident Insurance Plan, the term "spouse" also includes "domestic partner” (see other definition).
* You must complete a Declaration of Common-Law Relationship form. You may obtain this form from the Human Resources website at www.ryerson.ca/working.
For some benefits, the government determines that the Ryerson-paid premiums count as income for tax purposes. Such a benefit is called a taxable benefit because you must pay tax based on this assessed value. For example, tuition waiver and premiums for group life insurance are taxable benefits. Under the Long-Term Disability Plan, you are considered to be totally disabled (to have a total disability) for the first 36 months of benefits for RFA, or for the first 24 months of benefits for non RFA, if you are unable to perform the duties of your own occupation. After this 36-month or 24-month period, you are totally disabled if you cannot engage in any occupation for which you are reasonably suited by education, training, or experience. Coverage in the event of accidental death or dismemberment while travelling on Ryerson business. The benefit is four times your basic salary to a maximum of $500,000. Ryerson pays 100% of the premium. This plan provides coverage for international residents or Canadian residents (and their dependents) who have been out of Canada for more than six months and are hired to work in Ontario and who are not eligible for OHIP. Ryerson, along with 11 other Ontario Universities has joined to together for the purpose of pooling or sharing the risk for the life insurance plans. More members spread the risk.

RFA Life Insurance Snapshot

Here is a very brief overview of your Life Insurance coverage. Limitations or exclusions may apply that are not listed in this chart – see RFA Life Insurance Details for all restrictions.



BASIC LIFE INSURANCE

Plan Provision Key Details
Benefit Two times basic annual earnings (up to maximum) paid in a lump sum to your beneficiary if you die while employed by Ryerson
Maximum coverage $400,000
Premium 100% Ryerson-paid
Tax issues Premium paid for coverage is a taxable benefit
Claim procedures Your beneficiary(ies) should contact the Human Resources Benefits Unit for assistance in submitting a claim.
Conversion privilege You may convert your Basic Life Insurance coverage to an individual policy within 31 days of your termination date. The maximum amount eligible for conversion is $200,000.
Other conditions Coverage ends when your employment ends. Coverage reduces if you retire before age 65. Coverage ends for all retirees upon reaching age 65.


SUPPLEMENTAL LIFE INSURANCE

Plan Provision Key Details
Benefit Two times basic annual earnings (up to maximum) paid in a lump sum to your beneficiary if you die while employed by Ryerson
Maximum coverage $400,000
Premium 70% Ryerson-paid and 30% employee paid
Tax issues Portion of premium paid by Ryerson is a taxable benefit
Claim procedures Your beneficiary(ies) should contact the Human Resources Benefits Unit for assistance in submitting a claim.
Conversion privilege You may convert your Supplemental Life Insurance coverage to an individual policy within 31 days of your termination date. The maximum amount of $200,000 is in conjunction with the basic life amount.
Other conditions Coverage ends when your employment ends. Coverage reduces if you retire before age 65. Coverage ends for all retirees upon reaching age 65.


Ryerson reserves the right, at any time, to amend, change or discontinue any benefit coverage. If there is a question about coverage referred to in any portion of this benefits communication, the master contract from the insurer is the governing document.
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