New to the public service - Benefits

The group insurance benefits plans provide you, as a member, with peace of mind today and for years to come. The following information is intended to provide you with an understanding of your group insurance benefit options.

You may want to know…

  • What group insurance benefits are available to you?

    The following group insurance benefit plans may be available to you:

  • What is the Public Service Health Care Plan?

    The Public Service Health Care Plan (PSHCP) is an optional health care plan for federal public service employees and their dependants. It is designed to supplement provincial health insurance plans. The PSHCP provides:

    1. Supplementary Coverage which is intended for members who are covered under a provincial/territorial health insurance plan. It provides participants with health coverage to 'supplement' the coverage provided under the provincial/territorial plan in the member's province/territory of residence.
      • The Plan covers expenses for a range of health care services and supplies such as, prescription drugs, vision care and the services of various medical practitioners under its Extended Health Provision.
      • The Plan also includes three levels of hospital benefits under the Hospital Provision that provide reimbursement up to a specific dollar amount in excess of standard ward charges.
    2. Comprehensive Coverage which is intended for members and their eligible dependants who are residing outside of Canada and who are not covered under a provincial/territorial health or hospital insurance plan.

    For more information on the PSHCP, refer to the PSHCP Directive.

  • What is the reimbursement percentage under the Public Service Health Care Plan?

    For your Extended Health Care Provision (for both Supplementary and Comprehensive coverage), the Plan generally pays 80% of eligible expense(s) or of stated maximums, if any. For example, prescription drugs are reimbursed at 80% with no annual or lifetime maximum.  However, psychological services are reimbursed to a maximum of 80% of $2000 per calendar year. Note: some services do require a physician's referral/ prescription.

    Refer to the summary of maximum eligible expenses for a list of eligible expenses.

    For your Hospital Provision (for both Supplementary and Comprehensive coverage) the Plan includes three levels of hospital benefits that provide reimbursement for the cost of semi-private or private rooms in excess of standard ward charges. Level I pays a maximum of $60 per day, Level II a maximum of $140 per day and Level III a maximum of $220 per day.

  • What is the cost of the Public Service Health Care Plan coverage?

    The Public Service Health Care Plan (PSHCP) monthly contribution rates are comprised of two components, the cost associated with the Extended Health Provision and the cost for the Hospital Provision. These components have different cost sharing arrangements between you and your employer (Government of Canada).

    • As an employee of the federal public service, the Government of Canada pays the full cost of the Extended Health Provision and Hospital Level I coverage (for both Supplementary and Comprehensive coverage).  If you choose Level II or III hospital coverage, you are responsible for 100% of the additional expense for this coverage. See Employee Monthly Contribution Rates for more details.
    • If you are a member of the Executive Group or other designated groups, you may be eligible for Full Employer-Paid Coverage. See Becoming an executive for details.
    • If you take a leave of absence from the public service, you will need to make a decision about your group benefit plan contributions and premiums. See Taking a leave of absence for more details.
    • Note: As a retired member under the PSHCP you will have different contribution rates. See Preparing for retirement.
  • How do you apply for coverage under the Public Service Health Care Plan?

    The Public Service Health Care Plan (PSHCP) is a voluntary plan.  Employees must apply. There are two steps in applying for coverage.

    1. Registration with your departmental Compensation services or the Public Service Pay Centre:

      To register you must complete and submit either an electronic application form using the secure online Compensation Web Applications (CWA) or submit a paper application form. Once your application is approved, you will receive your certificate number.

    2. Positive enrolment with Sun Life:

      To complete positive enrolment you must complete and submit either an electronic positive enrolment form through the Sun Life Member Services, (you must create an account), or a paper form. You can obtain a paper form by calling Sun Life. You will be asked to provide information about yourself, your spouse/common-law partner and each eligible child.

      Note: By completing positive enrolment, you provide consent for Sun Life to use your personal information to process your claims.

      In order to receive your PSHCP benefit card and have your claims paid under the PSHCP for yourself or covered dependant(s), you must complete this process.

      Once enrolled with Sun Life, you can either print your PSHCP Benefit Card through the Sun Life Member Services website or request that Sun Life send a card to you by mail.

  • Are you covered under the Public Service Health Care Plan if you need medical or hospital services while travelling outside your home province or outside of Canada?

    Under Supplementary coverage, you and your eligible dependants are covered by the Emergency Travel Benefit. This benefit provides reimbursement for up to $500,000 (CAD) per covered person in eligible emergency medical expenses incurred while travelling. This amount is in excess of what is covered by your provincial/territorial health insurance. Coverage continues for up to 40 days after your departure from your province/territory of residence.

    For more information and to obtain the emergency assistance contact information, refer to the Public Service Health Care Plan Travel and Emergency Assistance Benefits section.

  • What is the Public Service Dental Care Plan?

    The Public Service Dental Care Plan (PSDCP) is a mandatory plan that provides members and their dependants with coverage, up to certain limits, for specific dental services and supplies not covered under a provincial health or dental care plan.

    Note:  Benefits are only payable after a waiting period of three months from the day you become a member of the PSDCP.

  • What is the reimbursement percentage under the Public Service Dental Care Plan?

    Reimbursement is 90% for basic services, and 50% for major services and orthodontics, after the annual deductible is satisfied. The annual deductible is $25 for one covered person, or $50 for more than one covered person.

    Refer to Eligible Dental Services for a list of eligible dental services.

  • What is the cost of the Public Service Dental Care Plan?

    The Government of Canada pays 100% of the cost of your dental care coverage except while on certain types of Leave without pay.

  • How do you apply for coverage under the Public Service Dental Care Plan?

    The Public Service Dental Care Plan (PDSCP) is a mandatory Plan, no application is required.

    You will automatically be registered under the Plan after a 3 month waiting period from the day you are employed in the federal public service as a full-time of part-time employee appointed for more than 6 months (part-time employees must work more than 1/3 of the normal work week) or have completed 6 months of continuous employment.

  • What is the Disability Insurance Plan?

    The Disability Insurance (DI) Plan is a mandatory plan that provides a 70% income replacement when you are unable to work for long periods due to a totally disabling illness or injury.

  • What is the cost of Disability Insurance?

    The Government of Canada pays 85% of the premium and you pay the remaining 15%. Refer to the Disability Insurance (DI) Premiums Rates section for more information.

  • How do you apply for coverage under the Disability Insurance Plan?

    The Disability Insurance (DI) Plan is a mandatory Plan, no application is required.

    You will automatically be registered under the Plan if you are employed in the federal public service as a full-time or part-time employee appointed for more than 6 months (part-time employees must work more than 1/3 of the normal work week) or have completed 6 months of continuous employment.

  • What is the Public Service Management Insurance Plan?

    The Public Service Management Insurance Plan (PSMIP) provides mandatory Long-Term Disability (LTD) insurance and optional Life insurance for federal public service employees who are excluded from collective bargaining and executives.

    The PSMIP-LTD is a mandatory Plan that provides a 70% income replacement when you are unable to work for long periods due to a totally disabling illness or injury.

    The PSMIP Life insurance is voluntary and includes:  Basic Life Insurance, Supplementary Life Insurance, Dependants' Insurance and Accidental Death and Dismemberment.

  • What is the cost of Public Service Management Insurance Plan?

    Public Service Management Insurance Plan Long-Term Disability (PSMIP-LTD) insurance:

    If you are an employee excluded from collective bargaining, the Government of Canada pays 85% of the premium and you pay the remaining 15%.

    If you are an executive, the Government of Canada pays 100% of the premium.

    There are provisions for leave without pay for both excluded employees and executives.

    Refer to the Public Service Management Insurance Plan (PSMIP) Premium Rates section for more information.

    Public Service Management Insurance Plan (PSMIP) Life Insurance:

    If you are an employee excluded from collective bargaining, you pay 100% of the premiums for Basic, Supplementary, Accidental Death and Dismemberment and Dependants' life insurance.

    If you are an executive, the Government of Canada pays 100% of the premium for Basic, Accidental Death and Dismemberment, Dependants' and Post-Retirement Life insurance and you pay 100% of the premiums for Supplementary Life Insurance.

    There are provisions for leave without pay for both excluded employees and executives.

    Refer to the PSMIP Premium Rates section for more information.

  • How do you apply for coverage under the Public Service Management Insurance Plan?

    The Public Service Management Insurance Plan Long-Term Disability is mandatory, no application is required. You will automatically be enrolled once you become eligible for the Plan.

    The Public Service Management Insurance Plan Life insurances are optional. To apply for coverage, contact your departmental Compensation services or the Public Service Pay Centre.

  • Under the Public Service Management Insurance Plan – Life insurance, how do you name a beneficiary?

    To designate or change a beneficiary under the Public Service Management Insurance Plan (PSMIP) Life, you must complete the PWGSC-TPSGC 2028-1 - Public Service Management Insurance Plan form.

  • How do you submit a claim under the group insurance benefit plans?

    The procedure for submitting claims varies by plan. Refer to Submitting a benefit claim for detailed information on the procedures and services available.

  • Who do you contact if you have questions about your group insurance benefit plans?

    For information on the benefits available under each group insurance benefit plan, refer to the Contacts section.

  • What online services are available to group insurance benefit plan members?

    Members of the Public Service Health Care Plan (PSHCP) and the Public Service Dental Care Plan (PSDCP) can access, via the internet, their personal accounts, including claims information for themselves and their dependants.

    The online services available include the ability to:

    • sign up for direct deposit and paperless Explanation of Benefits (i.e. claim statement)
    • update positive enrolment information (PSHCP)
    • obtain coverage information
    • download and print personalized claim forms
    • download and print the PSHCP and PSDCP benefit card
    • view the status of claims and print details of past claims
    • determine eligibility for the next vision care claim (PSHCP) or the next dental examination (PSDCP)
    • view and elect for paperless PSHCP Bulletins with email notification.
  • How do you register for the online services?

    An Access ID and password is necessary to enter each of the websites. These can be obtained by registering online at:

Visit Public service pension plan for information on pension.

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