Premium Rates

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 / Age	Status	Dental	Health & Travel	Health only	Total
BC
to 64	Single	65.00	124.50	–	189.50
to 64	Family	146.00	300.00	–	446.00
65+	Single	71.00	–	115.00	186.00
65+	Family	142.00	–	230.00	372.00
Alberta
to 64	Single	68.00	144.00	–	212.00
to 64	Family	151.00	326.00	–	477.00
65+	Single	54.75	–	112.00	166.75
65+	Family	109.50	–	224.00	333.50
Saskatchewan
to 64	Single	50.00	110.00	–	160.00
to 64	Family	123.00	271.00	–	394.00
65+	Single	46.00	–	110.00	156.00
65+	Family	92.00	–	220.00	312.00
Manitoba
to 64	Single	56.00	107.00	–	163.00
to 64	Family	139.00	265.00	–	404.00
65+	Single	46.00	–	115.00	161.00
65+	Family	92.00	–	230.00	322.00
Ontario
to 64	Single	76.00	160.00	–	236.00
to 64	Family	178.00	373..00	–	551.00
65+	Single	62.50	–	124.00	186.50
65+	Family	125.00	–	248.00	373.00
Quebec
to 64	Single	77.00	160.00	–	237.00
to 64	Family	181.00	377.00	–	558.00
65+	Single	62.50	–	125.00	187.50
65+	Family	125.00	–	250.00	375.00
Maritime
to 64	Single	71.00	150.00	–	221.00
to 64	Family	166.50	346.00	–	512.50
65+	Single	58.00	–	115.50	173.50
65+	Family	116.00	–	231.00	347.00

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	Status	Dental	Health & Travel	Health only	Total
to age 64	Single	58.50	109.50	–	168.00
to age 64	Family	146.00	273.50	–	419.50
age 65+	Single	47.50	–	129.25	176.75
age 65+	Family	95.00	–	258.50	353.50
Alberta	Status	Dental	Health & Travel	Health only	Total
to age 64	Single	60.50	127.50	–	188.00
to age 64	Family	151.00	318.50	–	469.50
age 65+	Single	49.00	–	100.00	149.00
age 65+	Family	98.00	–	200.00	298.00
Saskatchewan - starting April 1, 2018	Status	Dental	Health & Travel	Health only	Total
to age 64	Single	44.25	96.50	–	140.75
to age 64	Family	110.75	241.25	–	352.00
age 65+	Single	36.25	–	104.50	140.75
age 65+	Family	72.50	–	209.00	281.50
Saskatchewan - Jan 1, 2018 to March 31, 2018	Status	Dental	Health & Travel	Health only	Total
to age 64	Single	47.00	102.25	–	149.25
to age 64	Family	117.50	255.50	–	373.00
age 65+	Single	38.25	–	110.50	148.75
age 65+	Family	76.50	–	221.00	297.50
Manitoba	Status	Dental	Health & Travel	Health only	Total
to age 64	Single	49.00	95.00	–	144.00
to age 64	Family	122.50	237.50	–	360.00
age 65+	Single	40.00	–	102.50	142.50
age 65+	Family	80.00	–	205.00	285.00
Ontario	Status	Dental	Health & Travel	Health only	Total
to age 64	Single	68.00	142.50	–	210.50
to age 64	Family	170.00	356.00	–	526.00
age 65+	Single	55.50	–	111.50	167.00
age 65+	Family	111.00	–	223.00	334.00
Quebec	Status	Dental	Health & Travel	Health only	Total
to age 64	Single	69.00	143.00	–	212.50
to age 64	Family	172.00	359.00	–	531.00
age 65+	Single	56.00	–	112.50	168.50
age 65+	Family	112.00	–	225.00	337.00
Maritimes	Status	Dental	Health & Travel	Health only	Total
to age 64	Single	63.50	132.00	–	195.50
to age 64	Family	158.50	330.00	–	488.50
age 65+	Single	51.50	–	104.00	155.50
age 65+	Family	103.00	–	208.00	311.00

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 / Class	Age	Status	Health Rate
BC
Retiree	60+	Single	129.25
Retiree	60+	Family	258.50
Alberta
Retiree	60+	Single	112.00
Retiree	60+	Family	224.00
Saskatchewan
Retiree	60+	Single	110.00
Retiree	60+	Family	220.00
Manitoba
Retiree	60+	Single	115.00
Retiree	60+	Family	230.00
Ontario
Retiree	60+	Single	124.00
Retiree	60+	Family	248.00
Quebec
Retiree	60+	Single	125.00
Retiree	60+	Family	250.00
Maritimes
Retiree	60+	Single	115.50
Retiree	60+	Family	231.00

2018 retiree health rates

Province / Class	Age	Status	Health Rate
BC
Retirees	60+	Single	129.25
Retirees	60+	Family	258.50
Alberta
Retirees	60+	Single	100.00
Retirees	60+	Family	200.00
Saskatchewan - starting April 1st, 2018
Early Retire	60 to 64	Single	99.50
Early Retiree	60 to 64	Family	199.00
Retiree	65+	Single	104.50
Retiree	65+	Family	209.00
Saskatchewan - Jan 1, 2018 - March 31, 2018
Early Retire	60 to 64	Single	105.50
Early Retiree	60 to 64	Family	211.00
Retiree	65+	Single	110.50
Retiree	65+	Family	221.00
Manitoba
Retiree	60+	Single	102.50
Retiree	60+	Family	205.00
Ontario
Retiree	60+	Single	111.50
Retiree	60+	Family	223.00
Quebec
Retiree	60+	Single	112.50
Retiree	60+	Family	225.00
Maritimes
Retiree	60+	Single	104.00
Retiree	60+	Family	208.00

Benefits Premium Rates