Group Term Insurance
RBC INSURANCE COMPANY

Premium Rates  — Effective 1 May 2017

Monthly premiums including Basic Life, Accidental Death and Dismemberment and Optional Life.

The premium rates are per $1000.00 of Benefit.

Age
Band
Male
Smoker
Male
Non-Smoker
Female
Smoker
Female
Non-Smoker
—-29
30-34
35-39
40-44
45-49
50-54
55-59
60-64
65-69
70-74
0.15
0.15
0.24
0.43
0.72
1.17
1.92
2.83
4.09
6.69
0.09
0.09
0.17
0.24
0.41
0.63
1.21
1.61
2.14
3.51
0.10
0.10
0.17
0.28
0.46
0.68
1.04
1.56
2.30
4.04
0.05
0.05
0.10
0.21
0.33
0.54
0.84
1.25
1.85
3.24

Dependent Life Insurance (Including dependent accidental death and dismemberment):

Option 1: $2.14 — Spouse $5000.00, Children $2500.00
Option 2: $5.64 –Spouse $10000.00, Children $5000.00

Members wishing additional information can contact the RCEA office at (613) 746-9341 or by e-mail at office@rcea.ca.

Public Service Dental Care Plan

Benefit changes introduced in 1997.

Dental expenses associated with congenital and developmental malformation for children under 19 years old, incurred on or after January 1, 1997 are covered.

Expenses for diagnostic services associated with orthodontic treatment are now reimbursed at 90%, provided they are incurred on or after January 1, 1997.

Expenses for fillings for the same tooth and surface are limited to once every 24 months effective February 1, 1997.

Expenses for scaling and root planing are limited to 6 time units per 12 months, effective January 1, 1997. A time unit equals 15 minutes, a member could receive up to 90 minutes of scaling and root planing over a 12 month period. The 12 month period is a running 12 month period.

Example: May 19, 1997–2 time units used.

October 15, 1997–2 time units used.

The next appointment is July 15, 1998. During the previous 12 months, July 16, 1997 up to July 15, 1998 2 time units were used. This would allow for 4 time units on July 15, 1998.

Expenses for recall exams, cleaning and polishing, topical application of fluoride, and bitewing X-rays, are limited to once every 9 months.

Example: Expenses for a recall exam were incurred on November 10, 1997. To be entitled to dental benefits for this same treatment in 1998, the next recall exam should be scheduled on or after August 10, 1998.