Glossary

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Glossary

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A 

An employee is actively at work on any day during which they perform all the usual and customary duties of their occupation with NAV CANADA for the scheduled number of hours that day.

You are deemed to be actively at work:

  • on a scheduled non-working day if you were actively at work on your last scheduled working day, or
  • on the effective date, for the benefits provided by this Plan, which are comparable to the benefits for which you were covered under another group plan with NAV CANADA, provided:
    • your coverage terminated solely as a result of the termination of benefits under that plan, and
    • the effective date of this plan is within 31 days following such date of termination. 

 

A person licensed, registered or certified through the respective provincial licensing body or professional organization, or in the absence of such an association, person with comparable qualifications determined by Sun Life.
 
For Supplemental and Optional Life Insurance, your annual earnings, rounded to the nearest multiple of $1,000, if not already such a multiple.

For all other plans, your annual earnings, rounded up to the next higher multiple of $250, if not already such a multiple.

All life insurance coverage that must be multiplied by two will be rounded after the multiplication.

Annual earnings include your base salary and the General Allowance.

 

Any treatment that is performed and prescribed by a doctor or, when Sun Life believes it is necessary, by a medical specialist. It must be the usual and reasonable treatment for the condition and must be provided as frequently as is usually required by the condition. It must not be limited solely to examinations or testing.

 

B

Dental services such as exams, X-rays, fillings, root canals, treatment of gum disease, dental surgery and dental injuries as the result of an accident.

 

C

Acupuncturist, chiropodist/podiatrist, chiropractor, naturopath, osteopath, physiotherapist, psychologist and registered massage therapists
 
Child/Children           
Your unmarried children, and children in the custody of your spouse who lives with you, including adopted children, stepchildren, foster children, or children for whom you are or your spouse is the legal guardian, and who are:
  • under age 21,
  • age 21 or older and dependent on you for support because of a psychiatric or physical disability, provided they become disabled while eligible (or while they would have been eligible if you had been covered) under the benefit program, or
  • age 21 or older, but under age 25 (age 26 for children of employees residing in Quebec) and who is a full-time student attending an educational institution recognized under the Canadian Income Tax Act and is entirely dependent on you for financial support.
Under the Health Care and Dental Care plans a child is considered under age 21, 25, or 26 until the first day of the month immediately following the month in which he or she reaches that age.
 
A person licensed by the appropriate provincial licensing authority or, in those provinces where there is no licensing authority, a member of the Canadian Association of Foot Professionals or, in the absence of such an association, a person with comparable qualifications as determined by Sun Life.
 
Chiropractor                
A member of the Canadian Chiropractic Association or of a provincial association affiliated with it or, in the absence of such an association, person with comparable qualifications determined by Sun Life.
 
A condition that exists beyond the usual course of an acute disease or beyond a reasonable time for tissue damage to heal. Any such condition that lasts longer than six months may be considered chronic.
A position for which the rate of pay is at least two-thirds of the current rate of pay of the position you occupied when you became disabled.
 
Under the Health Care Plan
For the purpose of completion of six months of continuous employment, two periods of employment, provided that the break (termination of employment) between the two periods is less than seven working days.
 
Under the Basic Life Insurance Plan
For the purpose of completion of six months of continuous employment, two periods of employment, provided that the break (termination of employment) between the two periods is less than one day.
 
Under the Dental Care and Long-term Disability Insurance Plans
For the purpose of completion of six months of continuous employment, two periods of employment, provided that the break (termination of employment) between the two periods is less than five working days.
 
 

 

D

A pension based on service and earnings on the date you leave NAV CANADA that becomes payable at a later date. When you leave before being entitled to an immediate pension, your NAV CANADA pension can be deferred.
 
Charges established by provincial dental associations for specific services provided by dentists in their provinces.
 
Dentist     
A person licensed to practice dentistry by the provincial licensing authority or, in the absence of such an authority, a person with comparable qualifications as determined by Sun Life.
 
Diagnosis means a written diagnosis by a physician or specialist physician, licensed and practicing in Canada, of the covered condition. Any diagnosis will be effective as of the date it is established by the physician or specialist physician, as supported by the covered person's medical records. Any diagnosis of a covered condition that was made prior to the effective date of coverage will not be covered.
 
The inability, for the elimination period and the next 24 months, to perform the essential functions of your regular job (your own occupation); thereafter, the inability to perform any reasonably commensurate occupation for which you are qualified by training, education or experience (any occupation).

 

E

Electrologist
A person who, as determined by Sun Life, qualifies as a certified electrologist. 
 
Elimination Period
The waiting period before you are eligible to receive Long-Term Disability benefits. It is 26 weeks (130 working days) for all management employees, with the exception of DIR 1 employees, who have 39 weeks (195 working days).
 
Emergency
Acute unexpected condition, disease or injury that requires immediate assistance.

 

F

A person who is employed for an indeterminate period or for a term of more than six months, or who has completed six months of continuous employment and works an average of at least 30 hours a week.

 

G

 


 

H

Includes:
  • Ambulance
  • Emergency Travel
  • Health Practitioners
  • Health Spending Account
  • Hearing Aids
  • Hospital
  • Medical Supplies
  • Prescription Drugs
  • Vision
 

A legally licensed hospital that provides facilities for diagnosis, major surgery and the care and treatment of persons suffering from disease or injury on an in-patient basis, with 24-hour services by registered nurses and physicians. This includes legally licensed hospitals providing specialized treatment for mental illness, drug and alcohol addiction, cancer, arthritis and convalescing or chronically ill persons. This does not include nursing homes, homes for the aged, rest homes or other places providing similar care.


 

I

 


 

J

 


 

K

 


 

L

Life support means the covered person is under the regular care of a licensed physician or specialist physician for nutritional, respiratory and/or cardiovascular support when irreversible cessation of all functions of the brain has occurred.
 
Licensed Pharmacist        
A person who is licensed to practice pharmacy and who is listed in the pharmacists’ registry of the licensing body for the jurisdiction in which such person is practising.
 
Losses of must be suffered within one year of the date, and occur as a direct result, of the accident, and include:
  • hand or foot: actual severance through or above the wrist or ankle joint,
  • arm or leg: actual severance through or above the elbow or knee joint,
  • eye: the total and irrecoverable loss of sight,
  • speech: the total and irrecoverable loss of speech that does not allow audible communication in any degree,
  • hearing: the total and irrecoverable loss of hearing that cannot be corrected by any hearing aid or device,
  • thumb and index finger: actual severance through or above the first phalange,
  • fingers: the actual severance through or above the first phalange of all four fingers of the same hand,
  • toes: the actual severance of both phalanges of all toes of the same foot, or
  • quadriplegia (paralysis of both upper and lower limbs), paraplegia (paralysis of both lower limbs) and hemiplegia (paralysis of upper and lower limbs of one side of the body): the complete and irrecoverable paralysis of such limbs.
The total and irrecoverable loss of function of an arm, hand or leg, provided such loss of function is continuous for 12 consecutive months and such loss of function is thereafter determined on evidence satisfactory to the insurer to be permanent.

 

M

Major Services           
Dental services such as crowns, bridges, and dentures, as well as orthodontics.
 
Management employees at the MPF-1, MPF-2 and MPF-3 levels.
 

To determine the maximum amount payable the reimbursable amount is calculated as follows:

​Claim Amount ​$180
​Reimbursement Level ​100% x $180 = $180
​Maximum for specific claim in any one calendar year ​$150
​Reimbursement amount ​$150
Care obtained when you consult a physician, use medication on the advice of a physician, or receive other medical services or supplies. 
 
Management employees at the MGR-1 and MGR-2 levels.

 

N

A member of the Canadian Naturopathic Association or any provincial association affiliated with it or, in the absence of such an association, a person with comparable qualifications as determined by Sun Life.
 
Nurse          
A registered nurse or nursing assistant, licensed, registered, or certified through the respective provincial licensing body or professional organization or, in the absence of such a registry, a nurse with comparable qualifications as determined by Sun Life.

 

O

A doctor of medicine (M.D.) licensed to practice ophthalmology.
 
A member of the Canadian Association of Optometrists or of a provincial association affiliated with it or, in the absence of such an association, a person with comparable qualifications as determined by Sun Life.
 
A person licensed, registered or certified through the respective provincial licensing body or professional organization or, in the absence of such an association, a person determined by Sun Life to have comparable qualifications.

 

P

A person who is employed for an indeterminate period or for a term of more than six months, or who has completed six months of continuous employment and is assigned to work more than one-third of the normally scheduled hours of work for a particular occupational group but less than 30 hours a week.
 
Membership in the NAV CANADA Pension Plan, used to determine when you can retire, that is, the time elapsed from the date you joined the plan, including periods of absence.
 
A fee charged by the Health Care Plan for each Drug Identification Number (DIN) claimed on an individual receipt if expense not purchased at a Preferred Pharmacy.
 
A doctor of medicine (M.D.) legally licensed to practice medicine.
 
Under Critical Illness Insurance
Physician means a legally and professionally qualified medical practitioner practicing in Canada. The physician providing the diagnosis or treating the covered person must not be the covered person, a relative of the covered person, or a person who normally resides in the covered person's household.
 
A member of the Canadian Physiotherapy Association or of a provincial association affiliated with it or, in the absence of such an association, a person determined by Sun Life to have comparable qualifications.
 
If your coverage under the Health Care Plan starts part-way through the year, Health Spending Account credits are allocated in the amount of $187.50 for each calendar quarter (January to March, April to June, July to September, and October to December).
 
A permanently certified psychologist who is listed in the appropriate provincial registry in the province where the service is rendered or, in the absence of such a registry, a person determined by Sun Life to have comparable qualifications.

 

Q

 


 

R

Within the general level of charges for a specific service or product in the locale where the expense is incurred, determined by Sun Life after consulting published fee guides of associations of practitioners.
 
An absence is considered to be continuous if it is due to a recurrence of the same or related illness within any thirty (30) day period.
 
A person licensed by the appropriate provincial licensing body or, in the absence of a provincial licensing body, a person determined by Sun Life to have comparable qualifications.
 
Vocational training, a program, or a period of work approved in writing by Sun Life as a means of facilitating your return to work following disability.
 
Under Basic Life Insurance
A NAV CANADA employee who had at least two years of service with NAV CANADA on his or her retirement date and is receiving NAV CANADA pension benefits.
 
Under the Health Care Plan
A NAV CANADA employee who leaves NAV CANADA before September 1, 2005, with at least two years of service on his or her retirement date, and is receiving NAV CANADA pension benefits.
 
A NAV CANADA management employee who leaves NAV CANADA on or after September 1, 2005 and who, on his or her retirement date:
Must be in receipt of NAV CANADA pension benefits.

 

S

Management employees at the DIR-1, AVP, EVP and VP levels.
 
Specialist physician means a licensed medical practitioner who has been trained in the specific area of medicine relevant to the covered critical illness condition for which a benefit is being claimed, and who has been certified by a specialty examining board. In the absence or unavailability of a specialist physician, and as approved by Sun Life, a condition may be diagnosed by a qualified medical practitioner practicing in Canada. The specialist physician providing the diagnosis or treating the covered person must not be the covered person, a relative of the covered person, or a person who normally resides in the covered person's household.
 

A person who holds a Master’s degree in speech language pathology and is a member, or is qualified to be a member, of the Canadian Association of Speech-Language Pathologists and Audiologists or any provincial association affiliated with or, in the absence of such an association, a person determined by Sun Life to have comparable qualifications.

Your legal spouse of either gender, or the person who has lived with you as your spouse in a permanent, exclusive relationship for a continuous period of at least one year and continues to live with you as such.

Your spouse must be under age 75 to be covered under Business Travel Accidental Death and Dismemberment Insurance or under age 65 to be covered under Critical Illness Insurance.

 
Coverage under the Health Care Plan that supplements provincial health care coverage for eligible NAV CANADA employees and retirees who are eligible for coverage under a provincial plan.
 
Surgery means a medical operation performed on the covered person and recommended by a physician or specialist physician, licensed and practicing in Canada.
 
Survival Period (Critical Illness)
Survival period means the period starting on the date of diagnosis of the critical condition and ending 30 days following the date of diagnosis of the critical condition, unless a covered condition expressly modifies this definition. The survival period does not include the number of days on life support. the covered person must be alive at the end of the survival period and must not have experienced irreversible cessation of all functions of the brain.

 

T

Any land, water, or air conveyance required to transport you during an emergency evacuation.

 

U

 


 

V

A private passenger car, station wagon, van, or jeep-type automobile.

 

W

 


 

X

 


 

Y

 


 

Z

 


Published on February 01, 2016