Health Care
Rates shown are for full time staff members. Cost sharing per the Collective Agreement.
Group Benefit Premiums
Academic Staff
Health and dental benefits are provided through Alberta Blue Cross. Life insurance and Long Term Disability benefits are insured by Manulife and the Accidental Death and Dismemberment benefit is insured by Beneva.
Monthly premiums and cost sharing can be found on the Benefits at a Glance document which is updated regularly.
Each year, the university reviews group benefit premiums for each staff group. Premiums are adjusted, as required, to ensure adequate funding to maintain coverage. Many factors affect the ongoing costs of providing our group benefit coverage, including:
- Changes in the demographics of our staff
- Increased utilization of services and total paid claims
- Inflationary increases in health and dental expenses
- Claim reserve requirements by the insurer.
September 1, 2025 Adjustment
Based on this year’s review, the following premium adjustments will take effect September 1, 2025. All adjustments will be reflected on the September 25, 2025 pay date. The rates shown in the tables are monthly premiums with half of the monthly deduction taken from each pay.
September 1, 2024
Single
Employee Share University Share
$12.76 $72.98
Total
$85.74
Family
Employee Share University Share
$31.90 $182.60
Total
$214.50
September 1, 2025
Single
Employee Share University Share
$17.24 $103.00
Total
$120.24
Family
Employee Share University Share
$43.12 $257.62
Total
$300.74
Dental
Rates shown are for full time staff members. Cost sharing per the Collective Agreement.
September 1, 2024
Single
Employee University
$3.94 $65.94
Total
$69.88
Couple
Employee University
$7.86 $131.84
Total
$139.70
Family
Employee University
$11.78 $197.50
Total
$209.28
September 1, 2025
Single
Employee University
$3.30 $73.18
Total
$76.48
Couple
Employee University
$6.56 $146.28
Total
$152.84
Family
Employee University
$9.84 $219.12
Total
$228.96
Basic Life Insurance
100% paid by the Academic Staff member
Rate per $1,000 of benefit
September 1, 2024
$0.1052
September 1, 2025
$0.1105
Long Term Disability
100% paid by the Academic staff member. LTD rate per covered salary.
September 1, 2024
Long Term Disability (LTD) 0.458% of covered salary
LTD Pension Waiver $0.9846 per $100 of pension contribution
LTD Supplemental (per collective agreement) $0.0003 x rank salary
September 1, 2025
Long Term Disability (LTD) 0.481% of covered salary
LTD Pension Waiver $1.033 per $100 of pension contribution
LTD Supplemental (per collective agreement) $0.0003 x rank salary
All Other Benefits
Voluntary Accidental Death & Dismemberment
- $0.0155 / $1,000 of coverage - no change
There are no changes to the premiums currently in effect for the following benefits:
- Optional Employee, Spousal, and Dependent Child Life Insurance, 100% paid by staff member
For an overview your benefits and the monthly premiums, please refer to the document.
Questions regarding your benefits can be addressed to UService at 403.210.9300 or hr@ucalgary.ca.