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CRC employees do not all receive the same group benefits. While there are many similarities between in-scope (union) and out-of-scope (management) benefits, there are also important differences. With bargaining on the horizon, it’s important that members clearly understand what those differences are and how our benefits compare.
This overview is intended to provide a clear, side-by-side explanation so members can better understand their benefit coverage, which we expect to be a topic of discussion during bargaining.
Eligibility & Waiting Periods
One of the first differences employees encounter is when benefits begin.
In-Scope Employees
- Permanent employees: eligible after 3 months
- Temporary employees: eligible after 12 months
Management Employees
- Eligible on day one of employment
Dental & Extended Health Care (EHC)
CRC pays 100% of the premiums for dental and extended health care for both in-scope and management employees.
Dental Coverage (Same for Both Groups)
- Basic services:
- 70% coverage in year 1
- 80% coverage in year 2
- 90% coverage in year 3 and beyond
- Major restorative services: 50% coverage
- Combined annual maximum (basic + major): $2,500
- Orthodontics: $2,500 lifetime maximum
Extended Health Care (Same for Both Groups)
- Prescription drugs: 100% covered
- Vision care:
- $250 every 24 months
- Eye exams:
- $75 every 24 months (adults)
- $75 every 12 months (under age 19)
Out-of-Country Emergency Coverage
- In-scope:
- $1,000,000 lifetime maximum
- Must be back in Canada 45 consecutive days before coverage resets
- Management:
- $5,000,000 lifetime maximum
- Only 24 hours back in Canada is required before coverage resets
Paramedical Services (Chiro, Massage, Physio, etc.)
- In-scope: $500 per service, annually
- Management: same as in-scope, plus psychologists/counsellors up to $750 annually
Health & Wellness Spending Account
- In-scope: None
- Management: $750 annually
Termination of Dental & EHC Benefits
- In-scope: terminates at age 75 (or upon termination)
- Management: terminates at date of retirement
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