Your Benefits Premiums

For the CUPE EWBT to be able to provide comprehensive and meaningful benefits, members share in the premium cost. We’ve made it simple and straightforward so you can easily understand how much you’ll pay for your coverage.

Determining Your Premiums

To keep our benefits plan sustainable for the long term, members share in the cost of premiums.

How much you pay towards your coverage depends on two things:

How many hours you work each week

Whether you choose health coverage, dental coverage, or both

Please view the charts below to understand your contributions.

How much will it cost?

Your member share/cost is based on your regularly scheduled hours per week.

Benefit
Health and Dental
Includes prescription drugs, extended health care and dental care
Health and Dental
Includes prescription drugs, extended health care and dental care
Health and Dental
Includes prescription drugs, extended health care and dental care
Basic Life and Accidental Death and Dismemberment (AD&D) Insurance
2x annual earnings
Basic Life and Accidental Death and Dismemberment (AD&D) Insurance
2x annual earnings
Basic Life and Accidental Death and Dismemberment (AD&D) Insurance
2x annual earnings
Optional Life (Member, Spouse, Child)
Optional AD&D (Member and Spouse)
Hours Worked
15 hours or more per week
10 to fewer than 15 hours per week
Fewer than 10 hours per week
15 hours or more per week
10 to fewer than 15 hours per week
Fewer than 10 hours per week
N/A
N/A
Member Share (% of benefit costs)
4%
50%
100%
0%
Mandatory coverage
50%*
100%*
100%
100%
Health and Dental
Includes prescription drugs, extended health care and dental care
Basic Life and Accidental Death and Dismemberment (AD&D) Insurance
2x annual earnings
Optional Life (Member, Spouse, Child)
Optional AD&D (Member and Spouse)
15 hours or more per week
4%
0%
Mandatory coverage
100%
100%
10 to fewer than 15 hours per week
50%
50%*
100%
100%
Fewer than 10 hours per week
100%
100%*
100%
100%
  • *Basic Life and AD&D insurance will be funded by the CUPE EWBT and mandatory if a member selects health and/or dental coverage.
  • Basic life and AD&D coverage are based on earnings.
  • Optional life and AD&D coverage are based on amounts chosen and approved. You will see the premium costs during the enrollment process

Monthly Member Premiums

As at September 1, 2024 (including sales tax)

Health - Single
Health - Family
Dental - Single
Dental - Family
Monthly member cost-share percentage
4%
$6.92
$16.82
$3.92
$9.51
Monthly member cost-share percentage
50%
$86.51
$210.27
$48.95
$118.96
Monthly member cost-share percentage
100%
$173.01
$420.52
$97.89
$237.92
Monthly member cost-share percentage
Monthly member cost-share percentage
Monthly member cost-share percentage
4%
50%
100%
Health - Single
$6.92
$86.51
$173.01
Health - Family
$16.82
$210.27
$420.52
Dental - Single
$3.92
$48.95
$97.89
Dental - Family
$9.51
$118.96
$237.92

Have Questions about Your Premiums?

Contact OTIP for answers to your questions about benefits premiums.

Contacts Guide