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Your Costs

You and your employer share the cost of benefits, except for travel, basic life for dependents and all optional benefits. These benefits are 100% paid by you.

The following are the costs you pay monthly and are valid for the benefit year (April 1, 2026 to March 31, 2027). These premiums are subject to change based on the annual renewal process. You can also find information about the current rates in the Benefits Rate Sheet.

Costs per Month
  12-Month
Employees
 10-Month
Employees
Health Single $83.89 $91.52
  Family $195.51 $213.28
Travel Single $2.24 $2.44
  Family $4.54 $4.96
Dental Single $26.14 $28.52
Family $55.15 $60.17
Long-term disability   1.97% of your earnings 1.97% of your earnings
Basic life Flat amount $9.64 $10.51
Basic life for your dependents Flat amount $2.28 $2.48
Basic AD&D Flat amount $0.46 $0.51
Optional life Employee and spouse
(per $1,000 of coverage)
 Under Age 35: $0.056
Age 35-39: $0.067
Age 40-44: $0.114
Age 45-49: $0.193
Age 50-54: $0.328
Age 55-59: $0.557
Age 60-64: $0.895
 $0.062
$0.073
$0.124
$0.211
$0.358
$0.608
$0.976
  Dependent children
(flat amount)		 $1.20 $1.30
Optional AD&D Single
(per $1,000 of coverage)
 $0.0206 $0.0225
  Family
(per $1,000 of coverage)
 $0.0377 $0.0412
Optional Critical Illness Employee and spouse
(per $1,000 of coverage)
Male Non-Smoker:
Under Age 20: $0.051
Age 20-25: $0.062
Age 26-30: $0.092
Age 31-35: $0.133
Age 36-40: $0.216
Age 41-45: $0.308
Age 46-50: $0.462
Age 51-55: $0.770
Age 56-60: $1.355
Age 61-64: $2.166

Male Smoker:
Under Age 20: $0.062
Age 20-25: $0.072
Age 26-30: $0.113
Age 31-35: $0.205
Age 36-40: $0.349
Age 41-45: $0.616
Age 46-50: $1.078
Age 51-55: $1.971
Age 56-60: $3.439
Age 61-64: $5.307

Female Non-Smoker:
Under Age 20: $0.051
Age 20-25: $0.062
Age 26-30: $0.092
Age 31-35: $0.133
Age 36-40: $0.205
Age 41-45: $0.318
Age 46-50: $0.441
Age 51-55: $0.647
Age 56-60: $0.985
Age 61-64: $1.437

Female Smoker:
Under Age 20: $0.062
Age 20-25: $0.072
Age 26-30: $0.113
Age 31-35: $0.195
Age 36-40: $0.308
Age 41-45: $0.513
Age 46-50: $0.790
Age 51-55: $1.232
Age 56-60: $2.022
Age 61-64: $3.059
Male Non-Smoker:
Under Age 20: $0.056
Age 20-25: $0.067
Age 26-30: $0.101
Age 31-35: $0.146
Age 36-40: $0.235
Age 41-45: $0.336
Age 46-50: $0.504
Age 51-55: $0.840
Age 56-60: $1.478
Age 61-64: $2.363

Male Smoker:
Under Age 20: $0.067
Age 20-25: $0.078
Age 26-30: $0.123
Age 31-35: $0.224
Age 36-40: $0.381
Age 41-45: $0.672
Age 46-50: $1.176
Age 51-55: $2.150
Age 56-60: $3.751
Age 61-64: $5.789

Female Non-Smoker:
Under Age 20: $0.056
Age 20-25: $0.067
Age 26-30: $0.101
Age 31-35: $0.146
Age 36-40: $0.224
Age 41-45: $0.347
Age 46-50: $0.482
Age 51-55: $0.705
Age 56-60: $1.075
Age 61-64: $1.568

Female Smoker:
Under Age 20: $0.067
Age 20-25: $0.078
Age 26-30: $0.123
Age 31-35: $0.213
Age 36-40: 0.336
Age 41-45: $0.560
Age 46-50: $0.862
Age 51-55: $1.344
Age 56-60: $2.206
Age 61-64: $3.337

Example: How to Calculate Your Costs

If you choose $100,000 (100 units of $1,000) of Optional AD&D insurance, your monthly cost will be calculated as follows:

Coverage Cost
Single
  • 12-month employee
  • 10-month employee
  
  • 100 x $0.0206 = $2.06 per month
  • 100 x $0.0225 = $2.25 per month
Family
  • 12-month employee
  • 10-month employee
  
  • 100 x $0.0377 = $3.77 per month
  • 100 x $0.0412 = $4.12 per month

How Rates Are Determined

The insurer determines the rates for travel, disability, life, AD&D and optional critical illness insurance.

The rates for health and dental coverage, however, are based on a number of factors, including:

  • the increasing cost of drugs,
  • the introduction of new, expensive drugs,
  • new medical technology, and
  • changes in legislation that make private plans the first payers over the provincial health plan.

But there’s another factor that has a significant impact on plan costs: your claims.

The more the plan is used, the more the plan will cost the following year. In fact, your plan essentially works like a bank account:

  1. Your premiums are deposited into the plan’s fund or account.
  2. Whenever a claim is paid, the amount is withdrawn from the account.
  3. As a result, the Trustees must ensure there is enough money in the account to cover all the claims, as well as the expenses to administer the plan.

Consumer Tips

Things You Can Do to Help Keep Plan Costs Down

Each plan member has a role to play in helping control expenses. After all, it’s your plan and your money.

Keeping costs down is easier than you might think. Here are some useful consumer tips that contribute to the well-being of the plan and your wallet.

  • When your doctor prescribes a medication, ask about less expensive therapeutic options.
  • Compare prices. Not all pharmacies charge the same amount for prescription drugs. Shop around.
  • Take your medication as directed. Ask your doctor or pharmacist the following questions:
    • Are there any side effects? If so, what do I do?
    • Will this drug have any effects on other drugs (prescription or over-the-counter drugs) that I am also taking?
    • Are there certain types of foods or drinks that I must avoid while taking this drug?
    • Are there alternatives to this drug or other solutions for my condition?
  • Talk to your pharmacist, who can offer you free professional advice.
  • Determine the right quantity of prescription drugs.
    • Consider a sample or trial prescription when you are trying a drug for the first time. That way, you will save money if you have to discontinue a drug because of an allergic reaction.
    • Ask for a larger supply if you are taking medication on an ongoing basis. As a result, you will save on the pharmacist’s dispensing fees.
  • Stay active and eat right. A healthy diet can also positively affect your overall health. Whatever form of exercise you enjoy, it will help you reduce the risk of heart disease and other serious health problems.
  • In addition to exercise, you can get involved in hobbies, do volunteer work, take classes, and more.
  • Staying active and involved in your community is also good for your mental health and overall well-being.