Benefits & Pension
BENEFITS and PENSION Information at Mount Royal University
Pension and Benefit programs are a significant part of your total compensation here at MRU. In this section you will find information about your mandatory Health, Dental, Life insurance, and Accidental Death and Dismemberment coverage. We also offer optional coverage such as Critical Illness, Optional Life and Optional AD&D. We belong to the Local Authorities Pension Plan (LAPP), which is a defined benefit pension plan.
Eligibility for benefits and pension are determined by your employment category.
Sun Life has launched a Group Benefits COVID-19 website designed to share the most up-to-date information with you.
The site will keep you informed about Sun Life's pandemic planning, and impacts to group benefits plans due to COVID-19.
IMPORTANT:
NEW Resource: Lumino Health, How to Stay Healthy at Home GUIDE
This guide is for Canadians who are spending most of their time at home due to COVID-19 and are looking for ways to keep themselves and their family healthy. It provides tips, information and resources to help Canadians maintain a healthy lifestyle in the comfort of their home.
Topics covered in this guide: Healthy Mind, Healthy Body, Stay Connected, Work From Home, and Healthy Kids
Benefit Renewal Memo July 2020
Updating Your Beneficiary Information
Beneficiary Nomination FAQ
Beneficiary Form
Optional Benefits
Optional Life Insurance
Voluntary Accident Insurance Information
Direct link to Sun Life for information regarding your Extended Health Care and/or Dental Care claims
New Enrollment Online Registration
Member Enrollment Guide 2020
Extended Health Cost Saving Tips [pdf]
Beneficiary Nomination FAQ
New Beneficiary Form
Common Law Information for New Employees
Frequently Asked Questions regarding your benefits
Wellness Services at Mount Royal - offering Health Services, Wellness Programming and Optimal Therapies, Employee Wellness Brochure
EFAP Information
Optional Benefits
Optional Life Insurance
Voluntary Accident Insurance Information
Critical Illness
Mount Royal University along with Industrial Alliance are happy to provide our employees with Critical Illness Coverage. If a serious illness interrupts your life, do not let worries about money get in the way of your recovery. Critical Illness Insurance will provide you with a lump-sum, tax-free benefit upon diagnosis of a covered condition.
There is a 90 day guaranteed acceptance in place for $25,000 worth of coverage for all new employees and their spouses. If you are interested, email benefits@mtroyal.ca for the Guaranteed Acceptance Application form.
You can also apply for further coverage up to $300,000 for you and your spouse. For more information and for the health forms (only for coverage not falling under guaranteed acceptance) see:
https://www.solutionsinsurance.com/mruemployees
If you are leaving MRU and want to convert your Critical Illness to a personal plan please see:
Critical Illness Information
Direct Link to Sun Life for information regarding your Extended Health Care and/or Dental Care claims.
Covid-19 Vaccine and Your Benefits
Benefits Booklets
Child Care
Claims Forms
New Way to Submit Digital Extended Health Care Claims
Claims Information: How to submit your claims online and when you need to submit a paper claim
Dental Care Claim Form
Extended Health Care Claim Form
Drug Exception Application Form
Personal Spending Account Claim Form
Travel Benefits
Are you thinking of traveling this winter?
Information on Extension of Travel Benefits
Request to Continue Group Coverage
Sun Life Travel
If you are taking a vacation, you should know that Europ Assistance (our travel insurance provider) may suspend coverage due to conditions such as war, political unrest, epidemics and geographical inaccessibility. For an up to date list of countries with these conditions, go to www.voyage.gc.ca before you travel.
Life Event Change
Changes to health and dental coverage, such as opting into the plan or adding family members, can be made only when you experience a 'life event change' - such as marriage, divorce or separation, the one-year mark of a common-law relationship, the birth or adoption of a child, or loss of benefits from a spouse's plan.
Because the change will affect the premiums you pay and the benefits you are entitled to, our plan with Sun Life required that you apply within 31 days of a life event change occurring.
If you apply late, in certain situations retroactive increases to your premiums may be charged to you based on the actual date of the change in your life. For example, if you get married in January but do not apply for family coverage until May, the increased premiums you pay will be backdated to January.
If you are experiencing a life change event, please contact benefits@mtroyal.ca for advice. Different situations require different information and our benefits team will be able to advise you on the required proof of change.
Common Law Relationships and Benefits
Qualification of Partner Form must be completed, when requesting to add your common-law partner, and returned to benefits@mtroyal.ca. Please include a copy of a utility bill, lease agreement, or mortgage statement with both names on it.
Benefits Changes at age 65, 70 and 71
Blue Cross Information: Coverage for Seniors
LAPP 101 - The Basics
Retirement Benefits
Retirement Checklist
Planning For Personal Freedom
Common Law Information: If you are in a common law relationship, you have to live with your partner for a minimum of 3 years in order to claim them as a pension partner (or spouse). Prior to 3 years' cohabitating, your partner can be named as a Beneficiary. For more information, please see https://www.lapp.ca/page/lapp-home
All permanent, full time employees must participate in the Local Authorities Pension Plan (LAPP). For more information, please visit Local Authorities Pension Plan (LAPP). Register on mypensionplan through the LAPP website so you can update your pension partner, beneficiaries and address changes. Also, you can view your length of service, salary and contributions (after you have completed one year of service). Go green and receive email notifications and pension statements. Complete pension estimates. In order to register on mypensionplan you will need your LAPP member ID, Social Insurance number, date of birth and postal code. You will find your member number on your LAPP welcome package and annual statements. If you have lost your member number, you can either call LAPP directly at 1.877.649.5277 or email benefits@mtroyal.ca
For more information on purchasing prior service, retirement or pension while on leave without pay, please contact the Benefits and Pension Advisor.
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For More Benefits & Pension Information, Contact:
benefits@mtroyal.ca