Why Have Health Premium Rates Increased for 2019?

This past year plan members made much greater use of paramedical services than they had previously, largely due to the recent higher limit for psychology and counselling coverage. Rates for 2019 have seen a corresponding increase. GSI and our benefits consultants at Mercer have successfully negotiated that the combined health/dental increase remain under 15%.

In the long term, GSI believes the psychology benefit will be an excellent investment for both plan members and employers. Better mental health of both rostered and non-rostered plan members can have a positive impact on the whole congregation.

Monthly Premium Rates for Active Members

2019 dental & health rates

Prov / AgeStatusDentalHealth & TravelHealth onlyTotal
BC
to 64Single65.00124.50189.50
to 64Family146.00300.00446.00
65+Single71.00115.00186.00
65+Family142.00230.00372.00
Alberta
to 64Single68.00144.00212.00
to 64Family151.00326.00477.00
65+Single54.75112.00166.75
65+Family109.50224.00333.50
Saskatchewan
to 64Single50.00110.00160.00
to 64Family123.00271.00394.00
65+Single46.00110.00156.00
65+Family92.00220.00312.00
Manitoba
to 64Single56.00107.00163.00
to 64Family139.00265.00404.00
65+Single46.00115.00161.00
65+Family92.00230.00322.00
Ontario
to 64Single76.00160.00236.00
to 64Family178.00373..00551.00
65+Single62.50124.00186.50
65+Family125.00248.00373.00
Quebec
to 64Single77.00160.00237.00
to 64Family181.00377.00558.00
65+Single62.50125.00187.50
65+ Family125.00250.00375.00
Maritime
to 64Single71.00150.00221.00
to 64Family166.50346.00512.50
65+Single58.00115.50173.50
65+Family116.00231.00347.00

2019 life & disability rates

A premium of 3.75% of salary paid by the employer, includes a bundle of benefits some of which are taxable to the employee. The taxable rate is shown next to the item for your reference. We encourage you to use the 2019 Taxable Benefit Calculation under the worksheets section to confirm your calculation. The benefits included in the bundle are:

  • life insurance (annual salary times 3, divided by 1000, times the rate of .232)
  • accidental death and dismemberment (.34)
  • dependent life insurance (4.712)
  • short term disability
  • long term disability
  • supplemental pay while on maternity or parental leave
  • employee and family assistance (short term counselling)

2018 dental & health rates

BC
StatusDentalHealth & TravelHealth onlyTotal
to age 64Single58.50109.50168.00
to age 64Family146.00273.50419.50
age 65+Single47.50129.25176.75
age 65+Family95.00258.50353.50
AlbertaStatusDentalHealth & TravelHealth onlyTotal
to age 64Single60.50127.50188.00
to age 64Family151.00318.50469.50
age 65+Single49.00100.00149.00
age 65+Family98.00200.00298.00
Saskatchewan - starting April 1, 2018StatusDentalHealth & TravelHealth onlyTotal
to age 64Single44.2596.50140.75
to age 64Family110.75241.25352.00
age 65+Single36.25104.50140.75
age 65+Family72.50209.00281.50
Saskatchewan - Jan 1, 2018 to March 31, 2018StatusDentalHealth & TravelHealth onlyTotal
to age 64Single47.00102.25149.25
to age 64Family117.50255.50373.00
age 65+Single38.25110.50148.75
age 65+Family76.50221.00297.50
ManitobaStatusDentalHealth & TravelHealth onlyTotal
to age 64Single49.0095.00144.00
to age 64Family122.50237.50360.00
age 65+Single40.00102.50142.50
age 65+Family80.00205.00285.00
OntarioStatusDentalHealth & TravelHealth onlyTotal
to age 64Single68.00142.50210.50
to age 64Family170.00356.00526.00
age 65+Single55.50111.50167.00
age 65+Family111.00223.00334.00
QuebecStatusDentalHealth & TravelHealth onlyTotal
to age 64Single69.00143.00212.50
to age 64Family172.00359.00531.00
age 65+Single56.00112.50168.50
age 65+ Family112.00225.00337.00
MaritimesStatusDentalHealth & TravelHealth onlyTotal
to age 64Single63.50132.00195.50
to age 64Family158.50330.00488.50
age 65+Single51.50104.00155.50
age 65+Family103.00208.00311.00

2018 Life & Disability rates

A premium of 3.5% of salary paid by the employer, includes a bundle of benefits some of which are taxable to the employee. The taxable rate is shown next to the item for your reference. We encourage you to use the 2018 Taxable Benefit Calculation to confirm your calculation. The benefits included in the bundle are:

  • life insurance (annual salary times 3, divided by 1000, times the rate of .239)
  • accidental death and dismemberment (.38)
  • dependent life insurance (4.86)
  • short term disability
  • long term disability
  • supplemental pay while on maternity or parental leave
  • employee and family assistance (short term counselling)

Monthly Premium Rates for Retired Members

2019 retiree health rates

Province / ClassAgeStatusHealth Rate
BC
Retiree60+Single129.25
Retiree60+Family258.50
Alberta
Retiree60+Single112.00
Retiree60+Family224.00
Saskatchewan
Retiree60+Single110.00
Retiree60+Family220.00
Manitoba
Retiree60+Single115.00
Retiree60+Family230.00
Ontario
Retiree60+Single124.00
Retiree60+Family248.00
Quebec
Retiree60+Single125.00
Retiree60+ Family250.00
Maritimes
Retiree60+Single115.50
Retiree60+Family231.00

2018 retiree health rates

Province / ClassAgeStatusHealth Rate
BC
Retirees60+Single129.25
Retirees60+Family258.50
Alberta
Retirees60+Single100.00
Retirees60+Family200.00
Saskatchewan - starting April 1st, 2018
Early Retire60 to 64Single99.50
Early Retiree60 to 64Family199.00
Retiree65+Single104.50
Retiree65+Family209.00
Saskatchewan - Jan 1, 2018 - March 31, 2018
Early Retire60 to 64Single105.50
Early Retiree60 to 64Family 211.00
Retiree65+Single 110.50
Retiree65+Family221.00
Manitoba
Retiree60+Single102.50
Retiree60+Family205.00
Ontario
Retiree60+Single111.50
Retiree60+Family223.00
Quebec
Retiree60+Single112.50
Retiree60+ Family225.00
Maritimes
Retiree60+Single104.00
Retiree60+Family208.00