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Benefits

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CAAT Group Benefits

Group Insurance Contract Details - a description of your group insurance benefits available to you (both mandatory and voluntary)

Add, View and Update your Beneficiary Designation


Sun Life Extended Health, Vision, Life & Dental

Plan Member Services Online

Go to Member Services Online to access personalized electronic forms, your claims information and key dates:

  • Online Access ID = 12 digits, this number is assigned when registering online
  • Print personalized pre-filled claim forms
  • Print travel and drug cards
  • See "next dental checkup" and "next vison" coverage dates
  • Update direct deposit and email notification
  • Review current claims and history, print tax summaries
  • Access the Health Library in the Wellness Centre online
  • Use the Health & Wellness Companion and interactive Assessments
  • Keep track of important health information in the private and confidential Personal Health Record

my Sun Life Mobile App

With mobile Apps for iPhone and Blackberry, you can submit benefits claims on the go and see the money in your account – usually within 48 hours.

Contact by Phone

Sun LifeSun Life Group Insurance & Benefits

  • Customer Care Centre 1-800-361-6212
  • Member ID = 6 + your employee IDr eg. 6123456789
    (your 9 digit employee ID or Person Number can be found on your payslip, in HRMS or by contacting the HR Support Centre)
  • Access ID = 12 digit number you can register online or by phone 1-877-786-5433

Extended Health Care


Travel Benefit and Medi-Passport - Generic Travel Card

Your emergency medical coverage. Benefit for Support and Administrative staff.

Ontario Health Premium

Access information regarding the Ontario Health Premium


Claim and Enrolment Forms

CAAT Academic Enrolment Form

Academic staff – Active – Full-time Contract no. 50832 Group insurance benefits – Positive Enrolment form

CAAT Admin Enrolment Form

Administrative staff – Active – Full-time Contract no. 50833 Group insurance benefits – Positive Enrolment form

CAAT Clinical Enrolment Form

Academic staff – Clinical Contract no. 50832 Group insurance benefits – Positive Enrolment form

CAAT Partial Load Enrolment Form

Academic staff – Partial-load Contract no. 50832 Group insurance benefits – Positive Enrolment form

CAAT Support Enrolment Form

Support Staff – Active – Full-time Contract no. 50834 Group insurance benefits – Positive Enrolment form

Sign in to SunLife and get your customized pre-filled claim forms.

Health Claim Form for Administrative Benefits

A paper claim form that can be mailed. The Administrative Benefits contract number is 50833.

Health Claim Form for Support Benefits

A paper claim form that can be mailed. The Administrative Benefits contract number is 50834.

Health Claim Form for Faculty Benefits

A paper claim form that can be mailed. The Administrative Benefits contract number is 50832.

Dental Claim Form for Administrative Benefits

A paper claim form that can be mailed. The Administrative Benefits contract number is 50833.

Dental Claim Form for Support Benefits

A paper claim form that can be mailed. The Administrative Benefits contract number is 50834.

Dental Claim Form for Faculty Benefits

A paper claim form that can be mailed. The Administrative Benefits contract number is 50832.

Benefit Entitlement and Cost

Benefits Entitlement

Employee Cost

Employer Cost

Premium Rate -
Effective Feb 1, 2024

New Premium Rate* -
Effective Feb 1, 2025 

Basic Life Insurance ($25,000) NIL 100% $0.16 per $1,000   $0.16 per $1,000  
AD & D ($25,000) NIL 100% $0.02 per $1,000  $0.02 per $1,000 
Supplementary Life Insurance (up to 6 units @ $10,000) 50% 50% $0.09 per $1,000  $0.09 per $1,000 
Employee Pay-All Optional Life (up to 4 units @ $10,000) 100% NIL $0.09 per $1,000  $0.10 per $1,000 
Dependent Life Insurance ($5,000 for spouse and $2,000 per child) 100% NIL $0.69 per unit  $0.69 per unit 
Long Term Disability (60% of salary) 100% NIL $3.39 per $100**  $5.07 per $100** 
Extended Health Care (single or family coverage) NIL 100% Single: $133.32
Family: $304.95
Single: $173.32
Family: 
$396.44
Vision Care (single or family coverage) 25% 75% Single: $11.36
Family: $33.38
Single: $11.36
Family: 
$33.38
Hearing Care (single or family coverage) 25% 75% Single: $0.96
Family: $2.86
Single: $0.96
Family: 
$2.86
Dental Care (single or family coverage) NIL 100% Single: $64.77
Family: $181.14
Single: $78.37
Family: 
$219.18
Critical Illness (up to $200,000 for employee and spouse) 100% NIL NIL NIL

Please note the following:

  • The list above is a general listing of all benefits available to full-time academic employees. You may or may not have all these benefits.
  • All premium rates are subject to the appropriate provincial sales tax based on the employee’s provincial residence.
  • **Insurable earnings under the LTD plan are the “based salary” and “annual based salary” as determined in accordance with Article 35.01 A in the Academic Collective Agreement.

Benefits Entitlement

Employee Cost

Employer Cost

Premium Rate -
Effective Feb 1, 2024

New Premium Rate* -
Effective Feb 1, 2025

Basic Life Insurance (2/3 of salary) NIL 100% $0.11 per $1,000   $0.11 per $1,000  
AD & D (2/3 of salary) NIL 100% $0.02 per $1,000  $0.02 per $1,000 
Supplementary Life Insurance (1, 2 or 3 x's salary) 50% 50% $0.08 per $1,000   $0.09 per $1,000  
Employee Pay-All Optional Life (up to 10 units @ $10,000) 100% NIL

Up to 34 years: 
$0.029 per $1,000
35-39 years: 
$0.034 per $1,000
40-44 years: 
$0.051 per $1,000
45-49 years: 
$0.094 per $1,000
50-54 years: 
$0.163 per $1,000
55-59 years: 
$0.266 per $1,000
60-64 years: 
$0.422 per $1,000 

Up to 34 years: 
$0.029 per $1,000
35-39 years: 
$0.034 per $1,000
40-44 years: 
$0.051 per $1,000
45-49 years: 
$0.094 per $1,000
50-54 years: 
$0.163 per $1,000
55-59 years: 
$0.266 per $1,000
60-64 years: 
$0.422 per $1,000

Dependent Life Insurance ($10,000 for spouse and $5,000 per child) 100% NIL $1.35 per unit  $1.35 per unit
Long Term Disability (66 2/3% of salary) 33 1/3% 66 2/3% $2.58 per $100**  $2.50 per $100** 
Extended Health Care (single or family coverage) NIL 100% Single: $133.38 
Family: $276.35 
Single: $180.06
Family: 
$373.07
Vision Care (single or family coverage) 25% 75% Single: $10.77 
Family: $31.95 
Single: $10.77
Family: 
$31.95
Hearing Care (single or family coverage) NIL 100% Single: $0.97 
Family: $2.88 
Single: $1.31
Family: 
$3.89
Dental Care (single or family coverage) NIL 100% Single: $50.04 
Family: $162.09 
Single: $55.54
Family: 
$179.92
Critical Illness (up to $200,000 for employee and spouse) 100% NIL NIL NIL

Please note the following:

  • The list above is a general listing of all benefits available to full-time administrative employees. You may or may not have all these benefits.
  • All premium rates are subject to the appropriate provincial sales tax based on the employee’s provincial residence.
  • **Insurable earnings under the Life Insurance and LTD plans are the employee’s annual salary, including any lump sum merit increase that does not exceed the maximum of the employee’s salary range for their payband.
  • *** LTD maximum annual insurable earnings for administrative staff will not exceed $450,000.

Benefits Entitlement

Employee Cost

Employer Cost

Premium Rate -
Effective Feb 1, 2024

New Premium Rate* -
Effective Feb 1, 2025

Basic Life Insurance ($25,000) NIL 100% $0.11 per $1,000   $0.10 per $1,000
AD & D ($25,000) NIL 100% $0.02 per $1,000  $0.02 per $1,000
Supplementary Life Insurance (up to 5 units @ $10,000) 40% 60% $0.11 per $1,000   $0.11 per $1,000
Spousal Life Insurance (up to 5 units @ $10,000) 100% NIL $0.14 per $1,000  $0.14 per $1,000 
Dependent Life Insurance ($10,000 for spouse and $2,500 per child) 100% NIL $2.75 per unit  $2.61 per unit 
Employee Optional Life Insurance 100% NIL Up to 34 years: 
$0.039 per $1,000
35-39 years: 
$0.054 per $1,000
40-44 years: 
$0.076 per $1,000
45-49 years: 
$0.113 per $1,000
50-54 years: 
$0.196 per $1,000
55-59 years: 
$0.388 per $1,000
60-64 years: 
$0.618 per $1,000
Up to 34 years: 
$0.037 per $1,000
35-39 years: 
$0.051 per $1,000
40-44 years: 
$0.072 per $1,000
45-49 years: 
$0.107 per $1,000
50-54 years: 
$0.186 per $1,000
55-59 years: 
$0.369 per $1,000
60-64 years: 
$0.587 per $1,000
Long Term Disability (66 2/3% of salary) 25% 75% $4.78 per $100**  $4.78 per $100** 
Extended Health Care (single or family coverage) NIL 100% Single: $120.75 
Family: $267.21 
Single: $163.01
Family: 
$360.73
Catastrophic Drug Coverage (CDC) 
100% NIL Single: $1.88
Family: 
$4.18
Single: $2.16
Family: 
$4.81
Vision Care (single or family coverage) 25% 75% Single: $10.97 
Family: $27.95 
Single: $10.97 
Family: 
$27.95
Hearing Care (single or family coverage) 25% 75% Single: $0.72 
Family: $1.95 
Single: $0.72 
Family: 
$1.95
Dental Care (single or family coverage) NIL 100% Single: $58.58 
Family: $167.06 
Single: $61.39
Family: 
$175.08
Critical Illness (up to $200,000 for employee and spouse) 100% NIL NIL NIL

Please note the following:

  • The list above is a general listing of all benefits available to full-time support staff. You may or may not have all these benefits.
  • All premium rates are subject to the appropriate provincial sales tax based on the employee’s provincial residence.
  • **Insurable earnings under the LTD plan are the employee’s regular earnings based on the hourly rates shown in Appendix E of the Collective Agreement and includes the Special Allowance when applicable.

Benefits Entitlement

Employee Cost

Employer Cost

Premium Rate -
Effective Feb 1, 2024

New Premium Rate* - Effective Feb 1, 2025

Basic Life Insurance ($25,000) 100% NIL $0.16 per $1,000   $0.16 per $1,000  
AD & D ($25,000) 100% NIL $0.02 per $1,000  $0.02 per $1,000  
Supplementary Life Insurance (up to 6 units @ $10,000) 100% NIL $0.09 per $1,000  $0.09 per $1,000 
Employee Pay-All Optional Life (up to 4 units @ $10,000) 100% NIL $0.09 per $1,000  $0.10 per $1,000  
Dependent Life Insurance ($5,000 for spouse and $2,000 per child) 100% NIL $0.69 per unit  $0.69 per unit  
Extended Health Care (single or family coverage) NIL 100% Single: $133.32
Family: $304.95
Single: $173.32
Family: 
$396.44
Vision Care (single or family coverage) 100% NIL Single: $11.36
Family: $33.38
Single: $11.36
Family: 
$33.38
Hearing Care (single or family coverage) 100% NIL Single: $0.96
Family: $2.86
Single: $0.96
Family: 
$2.86
Dental Care (single or family coverage) 100% NIL Single: $64.77
Family: $181.14
Single: $78.37
Family: 
$219.18
Critical Illness (up to $200,000 for employee and spouse) 100% NIL NIL NIL

Please note the following:

  • The list above is a general listing of all benefits available to full-time academic employees. You may or may not have all these benefits.
  • All premium rates are subject to the appropriate provincial sales tax based on the employee’s provincial residence.
  • **Insurable earnings under the LTD plan are the “based salary” and “annual based salary” as determined in accordance with Article 35.01 A in the Academic Collective Agreement.