Overview

This directive sets out the premium rates for the benefit plans for employees in salaried positions. Premium rates that are monthly are deducted on a bi-weekly basis, and are determined by taking the annual premium amount (monthly premium rate times 12 months) and dividing it by the number of pay periods in the calendar year.

Current rates

Benefit plans and rates

Effective Date Benefit Plan Coverage Type Total
January 1, 2019 Canada Pension Plan Yearly Maximum Pensionable Earnings $57,400.00
Basic Exemption $3,500.00
Employee Rate 5.10%
Yearly Maximum Employee Contribution $2,748.90
Employer Rate 5.10%
January 1, 2019 Employment Insurance Maximum Annual Insurable Earnings $53,100.00
Employee Rate 1.62%
Annual Maximum Employee Contribution $860.22
Employer Rate 1.181 x Employee Contribution

Note: Since employee sick leave benefits are funded by the employer, the employer pays a reduced employment insurance rate. The employee's portion of the reduction is recognized as an employee contribution towards these benefits. The employer pays the greatest share of the total bi-weekly employment insurance premium.

MyCHOICE (bargaining unit employees)

MyCHOICE – health and dental plans – bi-weekly premium rates

Effective Date Benefit Plan Coverage Type Employee Bi-weekly Rate Employer Bi-weekly Rate Total
Bi-weekly Rate
July 1, 2018 Core Extended Medical Benefits Plan Single
Family
$8.18
$13.94
$8.18
$13.94
$16.36
$27.88
July 1, 2018 Enhanced Extended Medical Benefits Plan Single
Family
$17.30
$31.61
$8.18
$13.94
$25.48
$47.55
July 1, 2018 Core Prescription Drug Plan Single
Family
$12.49
$23.20
$12.49
$23.20
$24.98
$46.40
July 1, 2018 Enhanced Prescription Drug Plan Single
Family
$16.49
$28.76
$12.49
$23.20
$28.98
$51.96
July 1, 2018 Core Dental Plan Single
Family
$0.00
$0.00
$19.78
$47.44
$19.78
$47.44
July 1, 2018 Enhanced Dental Plan Single
Family
$5.22
$12.57
$19.78
$47.44
$25.00
$60.01

MyCHOICE – group life insurance per $1,000 of insurance – monthly premium rates

Effective Date Benefit Plan Employee Rate Employer Rate Total
July 1, 2018 Basic Life $0.0900 $0.1799 $0.2699
  AD & D $.0050 $0.0100 $0.0150
  Total $0.0950 $0.1899 $0.2849
Effective Date Benefit Plan Age Male Female
July 1, 2008 Enhanced Life Insurance
(Smoker Rates)
     
  The monthly premium rates, calculated on a bi-weekly basis, for Enhanced Life Insurance are totally paid for by the EMPLOYEE. 0 – 35 $0.04 $0.03
36 – 45 $0.06 $0.05
46 – 50 $0.14 $0.11
51 – 55 $0.26 $0.20
56 – 60 $0.55 $0.36
61 – 64 $0.80 $0.49
65 – 69 $1.13 $0.69
July 1, 2008 Enhanced Life Insurance
(Non-Smoker Rates)
     
  The monthly premium rates, calculated on a bi-weekly basis, for Enhanced Life Insurance are totally paid for by the EMPLOYEE. 0 – 35 $0.03 $0.02
36 – 45 $0.04 $0.03
46 – 50 $0.09 $0.07
51 – 55 $0.17 $0.13
56 – 60 $0.37 $0.24
61 – 64 $0.53 $0.33
65 – 69 $0.76 $0.46

MyCHOICE – dependent life insurance – bi-weekly premium rate

Effective Date Benefit Plan Employee
Bi-weekly Rate
Employer
Bi-weekly Rate
Total
Bi-weekly Rate
June 27, 2010 Dependent Life $2.192 $0.00 $2.192


MyCHOICE – Long Term Disability Income

Effective Date Long Term Disability Income Employee Rate Employer Rate
June 18, 2017 2.00% of insurable salary 1.00% of insurable salary 1.00% of insurable salary


MyCHOICE – Health Spending Account

Effective Date Employee Rate Employer Rate
April 1, 2012 $0.00 $750 per year

1stchoice (management, opted out and excluded employees)

1stchoice – health and dental plans – bi-weekly premium rates

Effective Date Benefit Plan Coverage Type Employee Bi-weekly Rate Employer Bi-weekly Rate Total
Bi-weekly Rate
July 1, 2018 Core Extended Medical Benefits Plan Single
Family
$6.68
$13.35
$6.68
$13.35
$13.36
$26.70
July 1, 2018 Enhanced Extended Medical Benefits Plan Single
Family
$18.16
$36.33
$6.68
$13.35
$24.84
$49.68
June 21, 2015 Core Prescription Drug Plan Single
Family
$10.66
$21.32
$10.66
$21.32
$21.32
$42.64
June 21, 2015 Enhanced Prescription Drug Plan Single
Family
$14.88
$29.77
$10.66
$21.32
$25.54
$51.09
July 1, 2018 Core Dental Plan Single
Family
$0.00
$0.00
$19.97
$49.93
$19.97
$49.93
July 1, 2018 Enhanced Dental Plan Single
Family
$9.59
$23.97
$19.97
$49.93
$29.56
$73.90

1stchoice – group life insurance per $1,000 of insurance – monthly premium rates

Effective Date Benefit Plan Employee Rate Employer Rate Total
July 1, 2018 Basic Life $0.0406 $0.0812 $0.1218
  AD & D $0.0050 $0.0100 $0.0150
  Total $0.0456 $0.0912 $0.1368
Effective Date Benefit Plan Age Male Female
July 1, 2007 Enhanced Life Insurance
(Smoker Rates)
     
  The monthly premium rates, calculated on a bi-weekly basis, for Enhanced Life Insurance are totally paid for by the EMPLOYEE. 0 – 35 $0.04 $0.03
36 – 45 $0.06 $0.05
46 – 50 $0.14 $0.11
51 – 55 $0.26 $0.20
56 – 60 $0.55 $0.36
61 – 64 $0.80 $0.49
65 – 69 $1.13 $0.69
July 1, 2007 Enhanced Life Insurance
(Non-Smoker Rates)
     
  The monthly premium rates, calculated on a bi-weekly basis, for Enhanced Life Insurance are totally paid for by the EMPLOYEE. 0 – 35 $0.03 $0.02
36 – 45 $0.04 $0.03
46 – 50 $0.09 $0.07
51 – 55 $0.17 $0.13
56 – 60 $0.37 $0.24
61 – 64 $0.53 $0.33
65 – 69 $0.76 $0.46

1stchoice – dependent life insurance – bi-weekly premium rate

Effective Date Benefit Plan Employee
Bi-weekly Rate
Employer
Bi-weekly Rate
Total
Bi-weekly Rate
June 27, 2010 Dependent Life $1.384 $0.00 $1.384

1stchoice – Long Term Disability Income

Effective Date Employee Rate Employer Rate
June 18, 2017 $0.00 0.30% of insurable salary

1stchoice – Health Spending Account

Effective Date Employee Rate Employer Rate
April 1, 2012 $0.00 $950 per year

About this directive

Authority: Government Organization Act
Collective Agreement, Article 34
Collective Agreement, Article 35
Application: Organizations under the Public Service Act
Effective Date: January 1, 2019
Contact: Alberta Public Service Commission:
Labour and Employment Practices; Classification, Compensation and Benefit Services