HUB Strata

Beneficiary Designation

June 20, 2018 • Written by

It is important to review your beneficiary designations regularly (once every 12 months) to ensure it reflects your current situation. Careful planning and consideration should be taken to ensure that the current situation is properly reflected in your designation and that the proceeds reach the intended hands. If you have recently experienced a Life Event or a change in family status, it may be a good time to review your beneficiary(ies).

Why should I designate a beneficiary?

Designating a named beneficiary(ies) ensures that proceeds from your death benefit do not form part of your estate in the event of your death. This will prevent the application of probate fees and ensure that the proceeds are not subject to the creditors of the estate. Additionally naming your beneficiary(ies) under a policy gives you control over who will receive proceeds from your death benefit.

If you do not name a beneficiary, death benefits will be paid to your estate and will be subject to estate taxes, and may be vulnerable to claims from creditors.

For further information on how to make these changes, please contact your Pay & Benefits Specialist http://blogs.rrc.ca/hr/about/contact/.

Access to the specific change forms can be found at the following links:

Health Benefits: http://blogs.rrc.ca/hr/wp-content/uploads/2018/01/RRC-Notice-of-Change-Form-2018.pdf

Group Insurance: http://media.wix.com/ugd/a8e4c9_3565f8be674b443bbec09c1142d142e6.pdf

Dependents Insurance: http://media.wix.com/ugd/a8e4c9_a23afadca962497f9c50ca184c31931e.pdf

HUB Select Vehicle Rental Discounts

Through the voluntary HUB Select Program, you are eligible for a variety of products and services including Vehicle Rental Discounts.

The Vehicle Rental Discounts program offers access to corporate pricing through National Care and Truck Rental, Enterprise and Alamo for all your car rental needs anywhere in Canada and the United States.

National Car and Truck Rental

  • Leader in the industry for over 50 years
  • Large truck rentals ranging from 3/4 to I, 3, and 5 ton trucks and flat beds

Enterprise Rent-a-Car

  • Multiple vehicle classes and models to choose from
  • Option to have model of choice pick you up from any location

Alamo

  • Leisure and vacation vehicle rentals in Canada, U.S., Mexico, Latin America, and Asia

Visit the HUB Select website for more information at http://select.hubinternational.com/selectredriver/.

Supporting Your Wellness

The LifeWorks website offers a wealth of information and resources to help you make the most of all aspects of your life. For the month of June, LifeWorks is featuring a suite of resources called Succeeding at Work.

Succeeding at Work features video and audio tips from leading productivity and management experts focusing on key skills for success in today’s workplace.

Be sure to visit www.lifeworks.com to take advantage of the 2018 content, including videos, podcasts, audio tips and much more.

For the RRC EFAP User ID and password, please contact Human Resources Services at 204-632-2319, refer to one of the EFAP posters around campus, or click here.

Life Events

May 28, 2018 • Written by

When you elect a Health and Dental option, you are locked in at that level until the next re-enrolment period, which is every two years unless you experience a Life Event.

What is a Life Event?

A Life Event is:

  • Adding a spouse through marriage, common-law relationship, or birth/adoption of a child
  • Losing a spouse through death, separation or divorce
  • A child becomes ineligible under your plan
  • Your spouse loses or gains coverage through their own employer’s group plan

What do you do if you experience a Life Event?

You must contact Human Resource Services within 60 days after experiencing a Life Event. If a Life Event is not reported within 60 days you will not be eligible to change your Flex Option and your next opportunity will be during the next re-enrolment.

For more information on your Flex Options, refer to your benefits booklet.

HUB Select Individual Health, Dental and Travel Insurance

Through the voluntary HUB Select Program, you are eligible for discounts on a variety of products and services such as Individual Health, Dental and Travel Insurance.

The Individual Health, Dental and Travel Insurance plan assistance is a service that aims to smooth the transition for an employee moving from Group Benefits to Personal Insurance or anyone applying for new Personal coverage. Whether you are in need of coverage for yourself or a family member, considering retirement, or leaving a Group Plan, simply contact HUB International for assistance with the process.

For access to this service and other discounts and services, visit your HUB Select website: http://select.hubinternational.com/selectredriver/.

Supporting Your Wellness

The LifeWorks website offers a wealth of information and resources to help you make the most of all aspects of your life. For the month of May, LifeWorks is featuring a suite of resources called Mental Health Awareness and Support.

Life Works is offering a full range of resources to support adults, young adults, and families who may be struggling with a mental health issue.

Be sure to visit www.lifeworks.com to take advantage of the 2018 content, including videos, podcasts, audio tips and much more.

For the RRC EFAP User ID and password, please contact Human Resources Services at 204-632-2319, refer to one of the EFAP posters around campus, or click here.

Health Coverage

April 23, 2018 • Written by

As part of Red River College’s Flex Benefits Program, employees have coverage for a variety of Health Benefits depending on the Flex Option you are enrolled in. The Flex Options provide varying degrees of coverage for Drugs, Health, Dental, Vision and Health Care Spending Account. We would like to take this opportunity to highlight some benefits you may have coverage for under the Flexible Benefits Program.

Paramedical Coverage

Paramedical coverage is available for employees in Flex Options 2, 4, and 5 under the Flexible Benefits Program. Your coverage is based on your Flex Option choice.

The term Paramedical is used to describe medical professionals including:

  • Audiologist
  • Athletic Therapist
  • Chiropractor
  • Dietician
  • Massage Therapist
  • Naturopath
  • Osteopath
  • Podiatrist/Chiropodist
  • Psychologist/Social Worker
  • Speech Therapist

In order for your paramedical expense to be eligible, your paramedical practitioner must be licensed by the appropriate provincial or federal organization.

Vision

Vision coverage is available for employees in Flex Options 1, 2, 4 and 5 under the Flexible Benefits Program. Your coverage is based on your Flex Option choice.

The following Vision expenses are eligible to the maximum dollar amount and frequency applicable to your Flex Option:

  • Eye Examinations
  • Glasses
  • Contact Lenses
  • Laser Eye Surgery

In order for your vision expense to be eligible, services must be performed by the appropriate licensed professional.

Reimbursement of Health Care expenses is subject to maximum amounts applicable to each benefit and considers reasonable and customary charges.

Please refer to your benefits booklet to see the maximum and coinsurance applicable to each paramedical practitioner for your Flex Option.

The above is a summary of the provisions of the group plan. In the event of a discrepancy between this benefit and the master contract, the terms of the group contract will apply.

HUB Select Direct Sellers Insurance

HUB Select is a voluntary program, giving employees access to products and services at discounted or preferred rates.

The Direct Sellers Insurance Program available through HUB Select, provides coverage for business related activities experienced by direct sellers of these or similar organizations.

Unfortunately, most home based insurance riders on a home policy do not provide coverage when the seller is away from home. Outside of the home, direct sellers are exposed to risks and liabilities for property damage or bodily harm.

The Direct Sellers program covers these risks as well as business risks in the home too. This unique program has been developed by HUB International and includes:

  • $10,000 Miscellaneous Articles Floater with option to increase to $25,000:
    • Covers stock/equipment/display items wherever you are (home, vendor event, home party, etc.).
    • Includes coverage for Customers Goods.
  • $2.0 million Commercial General Liability limit with option to increase to $5.0 million.
    • Includes coverage for property damage or bodily injury for which you are legally liable.
  • $25,000 Cyber Breach Coverage.
    • Includes 1st Party coverage for compromised credit card data and customer’s personal information.
  • $1,000 Monies & Securities.
    • Includes coverage for theft of your cash float and cash payments received from customers.
  • $1,000 home office contents coverage.

Visit the HUB Select website for more details and contact information at http://select.hubinternational.com/selectredriver/.

Supporting Your Wellness

The LifeWorks website offers a wealth of information and resources to help you make the most of all aspects of your life. For the month of April, LifeWorks is featuring a suite of resources called Stress Awareness.

Stress Awareness features a variety of resources and tools to help with stress management for millennials, Generation C, and boomers.

Be sure to visit www.lifeworks.com to take advantage of the 2018 content, including videos, podcasts, audio tips and much more.

For the RRC EFAP User ID and password, please contact Human Resources Services at 204-632-2319, refer to one of the EFAP posters around campus, or click here.

Great-West Life Online

February 27, 2018 • Written by

Have you taken advantage of all of the online resources Great-West Life has to offer? Registering online for GroupNet for Plan Members is easy, and gives you access to a wealth of user-friendly services!

What is GroupNet?

GroupNet for Plan Members gives you access to your group benefits information conveniently on your computer or mobile device. Once you are registered you will be able to:

  • Submit many of your claims online
  • Sign up for direct deposit of claim payments
  • View your claim status, explanation of benefits (EOB) and claim history
  • View your card information, including member ID, Drug, and Travel Assistance
  • Locate your nearest eClaims provider
  • Search drugs by name or drug identification number (DIN) to find out if they’re covered and at what percentage

Read More →

Health Care Spending Account & Claim Submission Requirements

January 18, 2018 • Written by

Upcoming Submission Deadline!

We would like to take this opportunity to remind you that if you have claims from the 2017 benefit year that you have not yet claimed against your HCSA balance, there is a 90 day claims run-off period to submit these claims.

When is the deadline?

2017 claims must be received by Great-West Life prior to March 31st, 2018 to be claimed against your 2017 HCSA dollars. Any unused 2017 benefit dollars remaining after this period will be forfeited.

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Orthopedic Shoe Coverage

January 2, 2018 • Written by

As part of Red River College’s Flex Benefits Program, Employees in Flex Options 2, 4 or 5 may have coverage for a variety of medical services and supplies, including orthopedic shoes. Your coverage is based on your Flex Option choice.

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Are you planning a winter vacation?

January 2, 2018 • Written by

Are you planning a winter vacation?

Be sure you know and understand your Out-of-Country Emergency Travel Health Coverage.

What is my out-of-country medical emergency coverage?

Eligible Red River College employees and their eligible dependents have 100% Emergency Travel Health Coverage. Provincial healthcare plan coverage must also be in place for this to apply.

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Paramedical

October 24, 2017 • Written by

Paramedical

As part of Red River College’s Flex Benefits Program, Employees in Flex Options 2, 4 or 5 may have coverage for a variety of Paramedical Practitioners. Your coverage is based on your Flex Option choice.

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Dental Coverage

September 19, 2017 • Written by

As part of Red River College’s group benefits, Employees in Flex Options 1, 2, 4 or 5 may have coverage for a variety of dental benefits. Your coverage is based on your Flex Option choice.

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Do You Have Dependent Children?

August 16, 2017 • Written by

Don’t forget to reconfirm Student Status!

To ensure your dependent children, age 22 to 25, continue to receive uninterrupted Health and Dental coverage for the duration of their formal education, be sure to update their student status with Great-West Life each year.

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