INCIDENTS
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HIGHLIGHTS
OF INSURANCE COVERAGE
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SOURCES
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NOTES
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Injury-on-Duty Leave
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- 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
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- Government Employees Compensation Act
- PS Terms and Conditions of Employment Regulations
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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.
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Medical Expenses Resulting from Illness or Injury
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- 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
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- Public Service Health Care Plan
- Public Service Dental Care Plan
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Supplements coverage provided under provincial or-territorial
plan in traveler's province/ territory of residence.
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Damage to Rental Vehicle
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- Collision Damage Waiver or Loss Damage Waiver (DCW/LDW)
insurance coverage provided for full value of standard rental
vehicle, up to $65K
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- Car Rental Theft and Damage Insurance
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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 federal government does not "self-insure" rental vehicles;
traveler to ensure coverage obtained against collision, loss,
damage, fire, theft, vandalism, glass damage and loss of use.
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Auto Rental Public Liability and Property Damage (PL&PD)
Coverage
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- Rental rate includes the following car rental insurance:
- In Canada, $2M PL & PD;
- In the US, $5M Cdn. PL&PD
- Tire damage
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Standing offer agreements between PW&GSC and car rental
agencies
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Rental rate does not include CDW/LDW coverage, which is
provided separately (see above)
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Damage to Crown-owned Vehicle Driven on Official Business
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- Federal government "self-insures" its own vehicles
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Authorized traveler must personally drive Crown-owned
vehicle.
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Damage to Privately-owned Vehicle Driven on Official
Business
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- Kilometric rate paid includes allowance for basic insurance
coverage
- Supplementary Business Insurance (SBI) reimbursed, if
required
- As a minimum, basic insurance coverage shall be $2M
PL&PD.
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Employer assumes no financial responsibility other than paying
authorized kilometric rate and SBI premium, when required.
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Flight and Baggage Delay and Hotel/Motel Burglary
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- 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.
- 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.
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Insurance through Govt. Travel Card covers following
incidents:
- Missed Connection: incoming flight delayed, onward connecting
flight missed; or
- 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;
- Emergency Baggage Delay: accompanying check-in baggage not
delivered within six hours of arrival at outbound flight
destination;
- Hotel/Motel Burglary: loss due to burglary in traveler's
hotel/motel room while registered as a guest.
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Traveler's ticket fully charged in advance to individual
designated travel cards, DTA, or RCTC.
Traveler's ticket fully charged in advance to individual
designated travel cards, DTA, or RCTC.
Traveler's hotel/motel room booked and fully paid with
individual designated travel cards, DTA, or RCTC.
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Lost or Stolen Baggage
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- Payment for lost or damage to baggage or personal 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 is supplementary to other valid and
collectable insurance
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Lost or Stolen Baggage Insurance
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Traveler's ticket charged in advance to individual designated
travel cards, DTA, or RCTC.
Losses must be reported immediately to local police or
concerned authority.
Cash, bullion, negotiable property and tickets excluded.
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Private Life Insurance Benefits Deemed Null and Void Because
Death Resulted from War or Other Hostile Activities
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- Compensation up to a maximum of $400K to survivors of federal
public servant killed from an incident arising out of, and in the
course of, employment when existing private life insurance
excluded from payment because of the circumstances of death
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High Risk Travel Compensation Plan
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Payment is lesser of amount of life insurance payment excluded
and $400K, minus life insurance benefits payable.
Life insurance includes individual policy through insurance
provider and membership in a group insurance plan; accidental
death or double indemnity not included.
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Indemnification and Legal Assistance Related to Actions
Arising from Performance of Duties Including While in Travel
Status
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Indemnification and protection from certain financial costs of
Crown servants against liability to the Crown and to third
parties and provision of legal assistance where appropriate
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Policy on Indemnification of and Assistance for Crown
Servants
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Incidents arising from performance within the scope of duties
or employment, which met reasonable departmental
expectations.
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Death and Dismemberment
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- 2X annual salary to next higher multiple of $1K upon
death
- 1X annual salary to nearest $1K + supplementary of 1X
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
- 2X annual salary to nearest $1K + supplementary of 1X
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
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- P S Super-annuation Act
- P S Manage-ment Insurance Main Plan
- P S Manage-ment Insurance Executive Plan
- Travel Accident Insurance through govt. travel cards i.e.
individual designated travel cards, Departmental Travel Account
(DTA), or Responsibility Centre Travel Card (RCTC)
- Car Rental Theft and Damage Insurance
- Government Travel Service
- Flying Accidents Compensation Regulations
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Employee can select number of units, up to 10, in multiples of
$25K.
Common carrier fare must have been charged to individual
designated travel cards, DTA, or RCTC.
Exclusions include when rental vehicle involved, or in war
situation.
Car rental must have been charged to individual designated
travel cards, 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.
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Long-term Disability
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- Monthly income benefit when unable to work for lengthy period
due to disabling illness or injury following an "elimination
period"
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- PS Manage-ment Insurance Plan (Main & Executive)
- Disability Insurance Plan
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Definition of "disabled" changes after 24 months of
disability.
Other disability income may offset LTD benefits.
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