During the month of January, the employer will calculate the total hours casuals have worked for the year of 2015.
There are two reasons for this. One is to see the casuals who have achieved the 1300 hours and 5 years of service to be eligible for casual benefits. tHE SECOND REASON THEY ARE CALCULATING TOTAL HOURS IS TO REVIEW THE pvr (PERMANENT VACANCY REVIEW)
Recently, notice has been sent to all stores with the names of the casuals who have qualified for benefits. The employer will ask you if you want to opt in for the benefits or not. Once you sign that you would like the benefits, they will then send out a form to the stores so you can fill in all your personal information, including beneficiaries.oNCE YOU OPT IN, YOU CANNOT CHANGE YOUR MIND UNTIL JANUARY 2017.
Here is the article in the collective agreement that speaks of casual benefits.
32.13 Casual Benefit Plan Effective April 1, 2014 casual employees who have worked 1300 hours in the previous calendar year and who have five (5) years of casual seniority may opt into the Casual Benefit Plans under the same benefit plans as full time employees, subject to the following limitations:
Basic Life Insurance- For employees only, in the amount of ten thousand dollars ($10,000.00) shall be provided to Casual employees as defined above.
Dental- for employees and their family, routine (Basic) services as provided under the Manulife Policy # 10055, or its equivalent up to a maximum of one thousand dollars ($1,000.00) per year per covered person.
Supplementary Health and Hospitalization- only the prescription drug plan will apply.
For the purposes of the Casual Benefit Plan, it is understood that the following articles do not apply to casual employees: 21.1, 21.2 (a) (b) (c)(iii) (d) (e) and (f), 21.3 in its entirety, 21.4 in its entirety, 21.5 in its entirety, 21.7(a) major treatment and three thousand dollars ($3,000) maximum coverage does not apply, and 21.8
If this is the first year you qualified, your benefits will begin April 2016.
Before you opt in, there are some things you should think about.
The first thing you should think about is “what will I be covered for?”
Casual benefits are very limited. They are not the same as full time benefits. As you can see above , in the article that speaks of benefits, the COLLECTIVE agreement names many articles that casuals are NOT covered UNDER. It is easier to understand what casuals ARE covered UNDER.
There are 3 things that casual benefits cover for the employee and their DEPENDENTS.
$10, 000 basic life insurance (this is if you die your estate or DEPENDENTS will RECEIVE $10, 000)
Basic dental of $1000 per year (covers casual employee and dependents of the casual employee)
prescription drug plan with some limitations. (FOR CASUALS AND DEPENDENTS)
The other thing to consider is what you will NOT be getting.
If you opt in for the casual benefits, you will loose your 4% pay in lieu of benefits.
Here is the clause in the collective agreement that speaks of the pay in lieu of benefits
32. (b) A casual employee shall receive eight percent (8%) of gross pay, not including vacation pay, which shall be added to his/her regular pay, to compensate for the paid holidays in Article 8 and in lieu of benefits under Article 21. Where, however, a casual employee is in receipt of benefits under Article 32.13, the casual employee shall receive four percent (4%) of gross pay, not including vacation pay, which shall be added to his/her regular pay, to compensate for the paid holidays in Article 8 and will not receive any amount in lieu of benefits under Article 21.
4% pay in lieu of is calculated on your gross pay.
BEFORE YOU OPT IN FOR THE BENEFITS, PLEASE CONSIDER HOW MUCH PAY IN LIEU OF YOU MAY LOOSE. IT MAY BE BENEFICIAL TO NOT OPT IN FOR THE BENEFITS IF YOU DO NOT HAVE NO OR DO NOT USE MANY PRESCRIPTION MEDICATIONS.
FOR EXAMPLE, IF YOUR GROSS PAY IS $40, 000 TIMES 4 % . YOU WILL LOOSE $1600 PAY IN LIEU.
EVERY YEAR IN JANUARY, THE NOTICE WILL GO OUT AGAIN. EVERY YEAR YOU WILL HAVE TO QUALIFY WITH THE 1300 HOURS AND 5 YEARS OF SERVICE. AT THAT POINT, YOU CAN EITHER OPT IN OR OUT OF THE BENEFITS, IF YOUR CIRCUMSTANCES CHANGED.
IF YOU ARE CURRENTLY ON THE PLAN, YOUR DENTAL BENEFITS RENEW IN JANUARY. THIS MEANS, YOUR $1000 DENTAL WILL START AGAIN IN JANUARY AND NOT APRIL.
IF YOU WERE IN THE PLAN IN 2014, AND DO NOT RENEW THE INSURANCE OR DO NOT QUALIFY IN 2015, YOUR $1000 DENTAL WILL RENEW IN JANUARY 2015 AT $1000 AGAIN, BUT WILL EXPIRE APRIL 2015. THEREFORE YOU WILL HAVE FROM JANUARY UNTIL APRIL 2016 TO USE THE BASIC $1000 DENTAL .
WE HOPE THIS HELPS. IF YOU HAVE ANY QUESTIONS, PLEASE FEEL FREE TO CALL OR EMAIL US.
PRESIDENT LOCAL 376