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CCSB Report – Inflation protection in place for members on Long-Term Disability

The Consultative Committee on Staff Benefits (CCSB) is pleased to be in a position to continue providing inflation protection for CBC employees who are off work due to having a long-term disability (LTD).  At its December meeting, the CCSB approved a one per cent increase in benefits for members who started receiving LTD benefits between July 1, 2002 and Dec. 31, 2014. The increase comes into effect Jan. 1, 2016. Members who became disabled at an earlier date are automatically eligible for a cost of living adjustment up to either two per cent or four per cent, depending on when they became disabled. They will receive the same one per cent increase effective Jan. 1.

*The CCSB has approved revisions to our Accidental Death and Dismemberment  insurance policy. It had not been reviewed for some years, and needed updating. There are no reductions in coverage, and improvements are coming in several areas.  Members also will have 15 months after the loss of a limb to file a claim instead of the current 180 days. Employees who are enrolled in the plan also will be able to continue that coverage to age 71 rather than the current 65. Accidental Death and Dismemberment insurance is optional and voluntary. The cost is employee-paid.

*The December meeting was the last for one of your CMG representatives. Eric Foss is leaving the CBC and taking on a new career. The CCSB thanks Eric for his work over the past couple of years and wishes him success in his work outside the CBC.

The CCSB also approved the renewal of Jon Soper’s appointment as an employee representative on CBC Pension Board of Trustees. With this renewal, Jon’s term expires March 31, 2018

*We’d like to remind you that the CBC is switching to a drug card effective Jan. 1, 2016. We encourage all members to read the information booklet that was mailed to your home as it contains important information.  Overall, coverage remains the same, but there is a change regarding the substitution of generic drugs for the more expensive brand name ones.  Brand name prescription drugs will be covered only if you and your doctor fill out a form that gives a medical reason for covering the more expensive drug. We have had mandatory generic substitution for almost 20 years, but up until now your doctor didn’t have to provide documentation for not using a generic substitute. If you insist on having the brand name prescription without your doctor showing a medical need, you will be reimbursed for only the cost of the generic prescription.

With the drug card, you won’t have to pay upfront for your prescription and file a claim; the claim will be filed directly to Great West Life. You still have to pay the $5 deductible per prescription at the pharmacy.  Want to avoid paying the $5 deductible?  Costco pharmacies will waive the deductible and you do not need to be a Costco member to use their pharmacy services! (Not available at Quebec Costcos). There’s no change in the $150 annual cap on deductible fees.

*(CMG members at the CBC will be seeing an improvement in their dental coverage coming up in 2016. We will be providing details early in the New Year.

Your representatives at the December 2015 CCSB:
Michael D’Souza
Annick Forest
Eric Foss
Marc-Philippe Laurin
Jon Soper
Federico Carvajal

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