In accordance with Bill 211 (ending mandatory retirement) there will be several decisions that you will be required to make at age 65.

Please click on the links below to review any changes:

Sun Life Benefits

Please find attached memo 2006-D-4 which provides details regarding the continuation of group insurance benefits for employees who work beyond age 65 in accordance with the province's Bill 211.

This change in benefit policy will become effective December 1, 2006. 

The Group Insurance Benefits that will be continued are:
Basic Life
Accidental Death and Dismemberment
Extended Health Care (including Vision and Hearing Care)
Dental Care

The premium sharing arrangements identified in the Academic and Support Staff Collective
Agreements as well as the Terms and Conditions of Employment for Administrative Staff will apply to
the above benefits.

For all employee groups, the following benefits will NOT be continued beyond age 65:
Supplemental Life
Employee Pay-All Optional Life
Spousal Supplemental Life (where available)
Dependent Life
Critical Illness Insurance (where available)

Long Term Disability (ceases at age 64 and 6 months for all employees)

Academic Exception
The group insurance contract allows an exception to be made for Academic employees who may
continue all of their elected benefits, excluding LTD, if actively employed until the August 31 following
their 65th birthday. After that time, the Academic employee will have coverage on the same basis as
Administrative and Support Staff.

Conversion Option
It should be noted that when the various forms of life insurance (Supplemental Life, Employee Pay-All
Optional Life, Spousal Supplemental, Dependent Life) are terminated due to age, the employee will
have the conversion option, whereby the employee may elect to convert the coverage to an individual
plan offered by Sun Life without proof of good health. This option is available for 31 days after the
coverage ends.

Canada Pension Plan

At this time you will have to decide whether you will start receiving CPP. If you are in receipt of CPP please notify the college’s payroll department to ensure you no longer make CPP contributions on your bi-weekly pay.

To apply for Canada Pension Plan please click here.

Bill 211 and WSIB Coverage 

Bill 211 the Ending Mandatory Retirement Statute Law Amendment Act 2005 will remove mandatory retirement age for workers in Ontario as of December 12, 2006.    The Council has received a number of inquiries relating to WSIB coverage for individuals working beyond age 65.  The attached Q & A is from the WSIB's website and it addresses questions relating to this issue.  As you will note workers aged 63 or older at the time of their injury are entitled to a two-year benefit payment but some of the ancillary benefits such as retirement income are not provided.

CAAT Pension - Clarification: Options when Working Past Age 65  

The Plan has recently received a number of questions regarding working past age 65 and starting a pension. At this time, when the number of Plan Members working past age 65 may increase, we would like to clarify the Plans policies in this area.

CAAT Plan Members who reach age 65 have two choices regarding their pension.

1. They can stop working which means retire, become a Pensioner, and collect pension payments.

2. They can continue to work, remain a Plan Member, and continue to make contributions.

Note that Members who reach age 69 are required by law to stop making contributions and begin receiving pension payments, even if they continue to work.

For choice number 1 stopping work and retiring on pension - Members must submit a termination form, called a TRD Pension Claim form. The Colleges Human Resources office helps individuals prepare this form. The Plan will subsequently prepare an option document, which the Member can use to choose from among the available benefit options. It is not possible for the Plan to process and start a pension without receiving a completed TRD Pension Claim.

This treatment accords with the Plan text and our understanding of the provincial law (the Pension Benefits Act) on the issue.

 http://www.caatpension.on.ca

You may also contact CAAT Pension directly at 1 866 350 2228.

Related LInks

Legislative Assembly of Ontario - Information on Bill 211

http://www.ontla.on.ca/documents/Bills/38_Parliament/Session1/b211_e.htm

Human Resources and Social Development Canada -CPP/OAS Information http://www.hrsdc.gc.ca/en/gateways/individuals/events/retirement.shtml  

Government of Ontario, Ministry of Health and Long Term Care, Ontario Drug Benefit Program http://www.health.gov.on.ca/english/public/program/drugs/drugs_mn.html  

Government of Ontario Assistive Devices Program http://www.health.gov.on.ca/english/public/program/adp/adp_mn.html  

Canada Revenue Agency

http://www.cra-arc.gc.ca/

Government of Canada

http://canada.gc.ca/  

Human Resources and Social Development Canada

http://www.sdc.gc.ca/en/home.shtml  

Resource Material and Documentation

The Council has provided these guidelines outlining the administrative issues surrounding Sun Life Group Insurance Benefit coverage. 

The two documents are posted for your information:

Continuous Full time Employment Beyond Age 65

Post 65 Re-employment Language