HALTON DISTRICT SCHOOL BOARD Secondary Teachers EMPLOYEE GROUP CUSTOMIZER Effective Date: September 1 , 2005 Important: Keep this Schedule with your Employee Benefit Plan Booklet. EMPLOYEE LIFE INSURANCE BENEFIT Classification Basic
*subject to a Maximum of $450,000. Notes:
• Your Employee Life Insurance will terminate at age 65, upon
retirement, resignation or termination. You may convert up to $200,000 of your life insurance coverage without supplying evidence of good health if done within 31 days of termination.
• A retroactive change in Earnings will be deemed to be effective on the
• Late applicants will be required to complete a health questionnaire and
may have to submit medical evidence of good health satisfactory to the insurer in order to be insured.
• If an employee dies while insured, employee life insurance will be paid
to the named beneficiary(ies), if living, otherwise to the employee’s estate.
DENTAL CARE BENEFITS
All claims must be submitted within 90 days following December 31 of the benefit year in which expense occurred. Fee Guide Payments under this plan will be based on the current Ontario Dental Association Fee Guide for Dental Practitioners. Percentage Payable Calendar Year Deductible Benefit Maximum (per calendar year)
• Routine Care, Dentures, Crowns and Bridgework (combined maximum) $1,500
• oral exams, including the cleaning of teeth, twice per calendar year, but
not more than once every 9 months. Complete exams, once every 24 months;
• scaling and root planing (limited to 9 units per calendar year, a
maximum of 14 units if supported by dental evidence);
• occlusal equilibration (limited to 8 units per calendar year);
DENTAL CARE BENEFITS
• topical application of sodium or stannous fluoride, twice per calendar
year, but not more than once every 9 months;
• dental x-rays - complete x-rays once every 24 months; bite-wing x-rays
twice per calendar year, but not more than once every 9 months;
Benefit Maximum (per lifetime)
Orthodontics (for dependent children only)**
** Includes coverage for adult orthodontia, only when medically necessary. Medically necessary is considered to mean, as a result of a traumatic accident or surgery, the only means of restoring the teeth back to their original position is by active orthodontic treatment.
HEALTH CARE BENEFITS
Overall Benefit Maximum
Calendar Year Deductible
Drug Dispensing Fee Maximum
life-sustaining, e.g. insulin & supplies,
Hospital (Within Home Province)
Convalescent Hospital (Within Home Province)
Out-of-Hospital Nursing Benefit* Maximum (per lifetime) $25,000 HEALTH CARE BENEFITS
Health Practitioners' Benefit Maximum (per calendar year)
One x-ray per calendar year per practitioner is included in the Benefit Maximum for Chiropractor, Podiatrist and Osteopath.
Out-of-Province Benefit Maximum (Travel Assistance Plan) Emergency Care
HEALTH CARE BENEFITS
Vision Care Benefit Maximums (in any 24-month period)
For the non-surgical treatment of keratoconus, for the lifetime of the covered individual, no amount will be paid for charges in excess of $150 and for expenses incurred within 6 months of each surgical procedure, no amount will be paid for charges in excess of $150.
One eye examination by an optometrist per 24-month period, 12 months if under age 18.
Hearing Care Benefit Maximum (in any 36-month period)
Food Allergy Basics: Over 12 million Americans have food allergies; more than 3 million of them are children (that's almost 1 out of every 25 kids). The most common allergy-causing foods are peanuts, tree nuts (walnuts, pecans, almonds, cashews, etc.), milk, eggs, fish, shellfish, wheat , and soy. Recent studies showed that 3.3 million Americans are allergic
Journal Club Papers Reviewed in 2008 February 2008 Classic: J. H. Wedge and M. J. Wasylenko. The natural history of congenital disease of the hip J.Bone Joint Surg.Br. 1979 Aug 61-B 3 (334-338) Fifty-four adults with eighty hips affected by congenital disease which had not been treated have been reviewed. Fifty-nine per cent of forty-two dislocated hips had fair or poor grading s