APPENDIX E – Summary of Insurance Coverage for Employees on CCRA Business Travel

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’ Compensation, 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 traveller’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 CCRA does not "self-insure" rental vehicles; traveller 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 CCRA Vehicle Driven on Official Business

CCRA "self-insures" its own vehicles

Authorized traveller must personally drive CCRA-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

As a minimum, basic insurance coverage shall be $1M PL&PD.

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.

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 traveller’s hotel/motel room while registered as a guest.

Traveller’s ticket fully charged in advance to individual Designated Travel Card, DTA, or RCTC.

Traveler’s hotel/motel room booked and fully paid with individual Designated Travel Card, DTA, or RCTC.

Lost or Stolen Baggage

Payment for lost or damaged baggage or personal effects 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 supplementary to other valid and collectable insurance

Lost or Stolen Baggage Insurance

Traveller’s ticket charged in advance to individual Designated Travel Card, 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 CCRA employee killed while performing required duties in high risk area (as defined by DFAIT). Program designed to provide compensation for private life insurance benefits not paid because of war-risk exclusions.

High Risk Travel Compensation Program

Payment is lesser of: amount of the life insurance payment excluded; and $400K minus life insurance benefits actually payable.

Life insurance includes coverage acquired through purchase of individual policy through insurance provider and through membership in a group insurance plan. It does not include Accidental Death or double indemnity benefits under private or group insurance policies.

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 CCRA employees against liability to the Agency and to third parties and provision of legal assistance where appropriate

Policy on Indemnification of and Legal Assistance for CCRA Employees

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

Death and

Dismemberment

2 x annual salary to next higher multiple of $1K upon death

1 x annual salary to nearest $1K + supplementary of 1 x 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

2 x annual salary to nearest $1K + supplementary of 1 x 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 Superannuation Act

P S Management Insurance Main Plan

P S Management Insurance Executive Plan

Travel Accident Insurance through govt. travel cards i.e. individual Designated Travel Card, 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 Card, DTA, or RCTC.

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

Car rental must have been charged to individual Designated Travel Card, 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 Management Insurance Plan (Main & Executive)

Disability Insurance Plan

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

Other disability income may offset LTD benefits.