Notes:

• Insurance coverage varies based upon an employee’s profile.
• This guide was prepared for convenience of reference only and, as such, it has no official sanction.

INCIDENTS

HIGHLIGHTS
OF INSURANCE COVERAGE

SOURCES

NOTES

Injury-on-Duty Leave

• Employees disabled due to an occupational injury or disease entitled to injury-on-duty leave with full normal pay for such reasonable time as determined by employer

• Government Employees Compensation Act
• PS Terms and Conditions of Employment Regulations

Appropriate Provincial Workers’ Compensation Board must confirm disability. When injury-on-duty leave discontinued, disabled employee eligible for Provincial Workers’ Compen-sation, the amount of which varies by province.

Medical Expenses Resulting from Illness or Injury

• Coverage for up to $100K Cdn. in eligible emergency medical expenses for each trip – no time limit when on official business travel
• Emergency Travel Assistance Services provides toll-free number for 24-hour access to world-wide network
• Eligible expenses based on province or territory where service rendered when service provided in Canada; outside Canada, eligible expenses based on member’s province or territory of residence

• Public Service Health Care Plan
• Public Service Dental Care Plan

Supplements coverage provided under provincial or-territorial plan in traveler’s province/ territory of residence.

Damage to Rental Vehicle

• Collision Damage Waiver or Loss Damage Waiver (DCW/LDW) insurance coverage provided for full value of standard rental vehicle, up to $65K

• Car Rental Theft and Damage Insurance

Car rental must have been charged to individual designated travel cards, DTA, or RCTC.

Any vehicle operated on a road not maintained by a federal, provincial, state or local agency is excluded.

The federal government does not "self-insure" rental vehicles; traveler to ensure coverage obtained against collision, loss, damage, fire, theft, vandalism, glass damage and loss of use.

Auto Rental Public Liability and Property Damage (PL&PD) Coverage

• Rental rate includes the following car rental insurance:

• In Canada, $2M PL & PD;
• In the US, $5M Cdn. PL&PD
• Tire damage

Standing offer agreements between PW&GSC and car rental agencies

Rental rate does not include CDW/LDW coverage, which is provided separately (see above)

Damage to Crown-owned Vehicle Driven on Official Business

• Federal government "self-insures" its own vehicles

Authorized traveler must personally drive Crown-owned vehicle.

Damage to Privately-owned Vehicle Driven on Official Business

• Kilometric rate paid includes allowance for basic insurance coverage
• Supplementary Business Insurance (SBI) reimbursed, if required
• Privately owned vehicles or other types of transportation used on government business shall have at least the minimum provincial/territorial state/country insurance coverage of public liability and property damage.

Employer assumes no financial responsibility other than paying authorized kilometric rate and SBI premium, when required.

Flight and Baggage Delay and Hotel/Motel Burglary

• Maximum aggregate benefit payable under the four covered incidents in respect to any one occurrence is $500.
• Reasonable expenses incurred within 48 hours of deplaning paid for accommodation, meals, refreshments and sundry items.
• Immediate and reasonable expenses paid for emergency purchases of essential clothing and sundry items, if incurred within four days of arrival and prior to return of delayed baggage.
• Reimbursement for loss of personal items, excluding cash, upon receipt of due proof of loss.

Insurance through Govt. Travel Card covers following incidents:

1. Missed Connection: incoming flight delayed, onward connecting flight missed; or

2. Delayed Flight Departure or Denied Boarding: confirmed scheduled departure delayed for four hours or more, or boarding denied due to overbooking, and no alternative transportation available within four hours of original scheduled departure;

3. Emergency Baggage Delay: accompanying check-in baggage not delivered within six hours of arrival at outbound flight destination;

4. Hotel/Motel Burglary: loss due to burglary in traveler’s hotel/motel room while registered as a guest.

Traveler’s ticket fully charged in advance to individual designated travel cards, DTA, or RCTC.

Traveler’s ticket fully charged in advance to individual designated travel cards, DTA, or RCTC.

Traveler’s hotel/motel room booked and fully paid with individual designated travel cards, DTA, or RCTC.

Lost or Stolen Baggage

• Payment for lost or damage to baggage or personal while in transit as checked-in baggage or carried on board, up to a limit per trip of $1K, of which jewellery limited to $300, based on proof of loss, and is supplementary to other valid and collectable insurance

Lost or Stolen Baggage Insurance

Traveler’s ticket charged in advance to individual designated travel cards, DTA, or RCTC.

Losses must be reported immediately to local police or concerned authority.

Cash, bullion, negotiable property and tickets excluded.

Private Life Insurance Benefits Deemed Null and Void Because Death Resulted from War or Other Hostile Activities

• Compensation up to a maximum of $400K to survivors of federal public servant killed from an incident arising out of, and in the course of, employment when existing private life insurance excluded from payment because of the circumstances of death

High Risk Travel Compensation Plan

Payment is lesser of amount of life insurance payment excluded and $400K, minus life insurance benefits payable.

Life insurance includes individual policy through insurance provider and membership in a group insurance plan; accidental death or double indemnity not included.

Indemnification and Legal Assistance Related to Actions Arising from Performance of Duties Including While in Travel Status

Indemnification and protection from certain financial costs of Crown servants against liability to the Crown and to third parties and provision of legal assistance where appropriate

Policy on Indemnification of and Assistance for Crown Servants

Incidents arising from performance within the scope of duties or employment, which met reasonable departmental expectations.

Death and Dismemberment

• 2X annual salary to next higher multiple of $1K upon death
• 1X annual salary to nearest $1K + supplementary of 1X adjusted salary and accidental death up to maximum of $250K if employee selected this option
• Varying schedule of payments depending on degree of injury, up to maximum of $250K
• 2X annual salary to nearest $1K + supplementary of 1X adjusted salary, if employee selected + $250K accidental death
  
  
  
• Varying schedule of payments depending on degree of injury, up to maximum of $250K
• Various provisions
• $300K for accidental death
• Varying schedule of payments depending on degree of injury, up to a maximum of $300K
• $200K to estate of Card member and $100K for accidental death of other persons while riding in, driving, boarding or alighting from rental vehicle
• Varying schedule of payments depending on degree of injury, up to maximum of $200K and $100K, respectively, for principal driver and secondary drivers/passengers
• $200K for accidental death
• Varying schedule of payments depending on degree of injury, up to maximum of $200K
• Equal to the pension that would have been awarded at the rate set out in Schedule B of the Pension Act – not subject to taxation

• P S Super-annuation Act
• P S Manage-ment Insurance Main Plan
• P S Manage-ment Insurance Executive Plan
• Travel Accident Insurance through govt. travel cards i.e. individual designated travel cards, Departmental Travel Account (DTA), or Responsibility Centre Travel Card (RCTC)
• Car Rental Theft and Damage Insurance
• Government Travel Service
• Flying Accidents Compensation Regulations

Employee can select number of units, up to 10, in multiples of $25K.

Common carrier fare must have been charged to individual designated travel cards, DTA, or RCTC.

Exclusions include when rental vehicle involved, or in war situation.

Car rental must have been charged to individual designated travel cards, DTA, or RCTC.

In addition to any other insurance coverage.

Death the direct result of unscheduled flight taken in course of duty.

Acceptance of these benefits prohibits other forms of compensation.

Long-term Disability

• Monthly income benefit when unable to work for lengthy period due to disabling illness or injury following an "elimination period"

• PS Manage-ment Insurance Plan (Main & Executive)
• Disability Insurance Plan

Definition of "disabled" changes after 24 months of disability.

Other disability income may offset LTD benefits.