Benefits at a Glance

As part of its total compensation package, the City of Leduc is proud to offer a comprehensive group benefits plan to eligible employees. Career postings and formal offer letters provided to successful candidates will identify if a current opportunity is eligible (or required) to participate in the benefits plan. Group benefits premiums are cost shared between the employee and the City of Leduc.  A brief summary as well as detailed group benefits plan booklets are provided below. 

Group Benefits Plan 

At present, the group benefits plan providers include Alberta Blue Cross and Desjardins Insurance. The group benefits plan includes extended health and dental coverage and a variety of types of insurance.  All are outlined below. 

Extended Health and Dental Benefits 
Extended health benefits provide protection against the cost of medical services and treatments not covered by the province’s health care plan.  The City’s group benefit plan includes, but is not limited to, the following extended health benefits: 

• Prescription drugs 
• Hospital accommodations (e.g., private rooms, semi-private rooms) 
• Paramedical practitioners 
• Out of province emergency travel 
• Vision care 
• Second opinion 

The plan also includes the following dental benefits: 

• Basic dental 
• Periodontic 
• Extensive 
• Orthodontic 

Life Insurance 
Life insurance provides financial security for the people who depend on you. Your beneficiaries will receive a lump-sum payment if you pass away while insured by this plan*. The plan also provides optional spousal life insurance. 

*There are certain conditions where this insurance is not payable. 

Accidental Death and Dismemberment Insurance 
Accidental death and dismemberment insurance provides payment to you or your beneficiaries if you are dismembered or die in an accident*.  

*There are certain conditions where this insurance is not payable. 

Critical Illness Coverage 
Critical illness coverage offers financial help to pay the costs associated with life-altering illnesses. A benefit is paid if someone insured by the plan is diagnosed with a covered critical illness (conditions may apply). This is an optional addition to the group benefits plan and spousal coverage is also available. 

Optional Insurances 
Employees and their spouses who are eligible can opt in on optional life insurance and critical illness coverages above and beyond what is provided in the standard benefit plan (subject to approval by the insurer). 

Health Spending and Wellness Spending Accounts** 
Annually, the City offers eligible employees a specific dollar amount that can be credited to a health spending and/or a wellness spending account. The employee chooses whether they want the amount to go to health spending, wellness spending, or a combination of the two accounts. 

The health spending account complements the group benefits plan. Employees can use their credits to pay for eligible medical and dental expenses not covered by the group plan or provincial health care. Claims made to the health spending account are non-taxable. 

The wellness spending account supports an employee’s holistic health and wellness.  Employees can use their credits to pay for services in the following areas: physical health, mental health, emotional health, career development, personal wellness and quality of life. In practice, this can include items ranging from fitness equipment and activities to family and pet care (and more!). Claims made to the wellness spending account are a taxable benefit. 

**The health spending account and wellness spending accounts do not apply to IAFF employees. 

Questions about the group benefits plan? 
Please review the following booklets to find more detailed information: 

Non-union employees 

• Alberta Blue Cross 
• Alberta Blue Cross Benefits at a glance
• Desjardins Insurance 

IAFF Local 4739  

• Alberta Blue Cross 
• Alberta Blue Cross Benefits at a glance
• Desjardins Insurance 

Elected officials 

• Alberta Blue Cross 
• Alberta Blue Cross Benefits at a glance
• Desjardins Insurance 

Local Authorities Pension Plan (LAPP) 

The Local Authorities Pension Plan (LAPP) is a defined benefit pension plan funded by member and employer contributions, and investment earnings. The plan helps you prepare for your retirement because you can estimate your future pension income. LAPP provides you with a specified lifetime income upon retirement, regardless of market conditions and how long you live. It may also provide survivor benefits.  

At the City of Leduc, participation is mandatory for: 

• Permanent employees who work 30+ hours per week. 
• Full-time temporary employees with a term of 2 or more years. 

Participation is optional for: 

• Permanent employees who work 17.5 or more hours but less than 30 hours per week. 

Learn more about LAPP at a glance. 

Group Retirement Savings Plan (GRSP)

The City of Leduc encourages employees to prepare for their long-term financial security. To help you save for retirement, the City of Leduc has established a group savings plan with RBC Group Financial Services.

Learn more about the GRSP (How the plan works, Eligibility, etc.).

Complimentary LRC Membership 

All employees are now able to access a free LRC annual membership. This includes casual and part-time employees . The health and wellness of our employees is an important priority here at the City and in offering complimentary memberships, we hope to broaden our support to all employees in this area. Benefits of the membership include access to all drop-in classes, early registration, 10 per cent off most registered programs and services and access to the Alexandra Outdoor Pool.