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

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.
Effective Date Benefit Plan Coverage Type Total
January 1, 2021 Canada Pension Plan Yearly Maximum Pensionable Earnings $61,600
Basic Exemption $3,500
Employee Rate 5.45%
Yearly Maximum Employee Contribution $3,166.45
Employer Rate 5.25%
January 1, 2021 Employment Insurance Maximum Annual Insurable Earnings $56,300
Employee Rate 1.58%
Annual Maximum Employee Contribution $889.54
Employer Rate 1.166 x Employee Contribution

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
June 28, 2020 Core Extended Medical Benefits Plan Single
Family
$9.24
$15.75
$9.24
$15.75
$18.48
$31.50
June 28, 2020 Enhanced Extended Medical Benefits Plan Single
Family
$20.57
$39.88
$9.24
$15.75
$29.81
$55.63
June 27, 2021 Core Prescription Drug Plan Single
Family
$13.36
$24.82
$13.36
$24.82
$26.72
$49.64
June 27, 2021 Enhanced Prescription Drug Plan Single
Family
$17.65
$30.78
$13.36
$24.82
$31.01
$55.60
June 27, 2021 Core Dental Plan Single
Family
$0.00
$0.00
$22.43
$53.80
$22.43
$53.80
June 27, 2021 Enhanced Dental Plan Single
Family
$5.92
$14.25
$22.43
$53.80
$28.35
$68.05

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

Effective Date Benefit Plan Employee Rate Employer Rate Total
June 27, 2021 Basic Life $0.0564 $0.1129 $0.1693
AD & D $0.0040 $0.0080 $0.0120
Total $0.0604 $0.1209 $0.1813
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, 2019 $0.00 $900 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
June 28, 2020 Core Extended Medical Benefits Plan Single
Family
$7.82
$15.62
$7.82
$15.62
$15.64
$31.24
June 28, 2020 Enhanced Extended Medical Benefits Plan Single
Family
$21.24
$42.51
$7.82
$15.62
$29.06
$58.13
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
June 27, 2021 Core Dental Plan Single
Family
$0.00
$0.00
$21.39
$53.48
$21.39
$53.48
June 27, 2021 Enhanced Dental Plan Single
Family
$10.27
$25.67
$21.39
$53.48
$31.66
$79.15

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

Effective Date Benefit Plan Employee Rate Employer Rate Total
June 27, 2021 Basic Life $0.0081 $0.0163 $0.0244
AD & D $0.0040 $0.0080 $0.0120
Total $0.0121 $0.0243 $0.0364
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 27, 2021 $0.00 0.75% 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: June 27, 2021
Contact: Alberta Public Service Commission:
Strategic Services and Public Agency Secretariat; Total Compensation and Job Evaluation Policy Unit

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