FAQ's for Staff
Is there a waiting period for benefits coverage?
At what age does the benefits coverage end for dependents?
A child can be covered up to the age of 25 if they are still in school 15 hours per week. Call Judy Nelson at the KCES office for more information (866-335-9587).
Is there a time limit in which I can submit a Great West claim?
You can submit a claim 15 months from the date the expense was incurred.
Can a staff member who works less than 65% opt into the benefits program voluntarily, or is it restricted only to those over 65%? If so, would they get the same rates?
No, they can't voluntarily opt into the benefits program if they work less than 65%.
Do support staff need to be on benefits?
Any staff member who works an average of 32.5 hrs/week or more must be on benefits.
How do I make a Great West Life claim?
- Contact Judy Nelson @ KCES office for claim forms (866-335-9587)
- You pay for the expense first and then submit the invoices with a claim form
Where do I send a completed benefits claim form to?
Winnipeg Benefits Payments
P.O. Box 3050
Winnipeg, MB R3C 4E5
Who do I contact if I need to make a short term or long term disability claim?
Judy at the KCES office (866-335-9587).
If we are going to use another facility for a school activity:
- and they ask to be named as an additional insured, who do I call?
Eric Moland @ HUB International: ph.780-435-4862
- and they ask for "proof of insurance"?
There is a generic certificate in your insurance binder from HUB International.
Does the group student accident insurance paid for by KCES cover ambulance?
Yes, for both sickness & accidents that occur during school activities. The group coverage number is 012022243. Parents need to make the claim by calling the IAP (Industrial Alliance Pacific) number 1-800-556-7411 and ask for a claim form OR print a claim form off their website (www.iapkidsplus.com). Parents do not need to pay for the ambulance coverage first, but simply submit the invoice to IAP along with the claim form. Also, you do not need the "attending Physicians statement" if you are making an ambulance expense claim only.
If a class is planning a trip to Mexico for example, are they covered by the school's policy or do they need to purchase extra coverage?
Koinonia's current General Liability is on a world-wide basis, so coverage will follow the school group. The one requirement is that they provide us (HUB International) with details of the trip PRIOR to going. The Trip Details should include: destination; means of travel (vans, buses, air, etc.); number and grade(s) of students participating; duration of trip (exact dates necessary); ratio of students to adults; a break-down of adults (being number of school staff versus parents or others). We strongly encourage the purchasing of additional Out of Country Travel Accident & Sickness coverage for each student and adults.
The cost of unforeseen out of country medical can be extremely expensive. We recently paid out on a policy for someone who had a heart attack while down in the USA. Upon arrival at the US Hospital, it was determined an emergency triple-heart bypass was required. The cost of this surgery and 10 days in hospital recovering was in excess of $550,000 (USD). Our office (HUB International PH 780-435-4862) is able to arrange this type of insurance for the trip, but require all of the above noted details prior to being able to determine a premium estimate.
Are we required to report details for small trips or just out of country trips?
HUB International only needs details for the out of country outings.