Providing for OCLC employees and their families

Eligibility for Benefits

Employees working 30 hours or more per week

Medical, Vision, and Dental


Employees scheduled to work 30 hours or more per week, with dependent coverage for spouses (legal or common-law) and unmarried Children under age 21 or under age 25 if a full time student. Premium Rates Change effective each October 1

Healthcare (including vision)

  • Ambulance services
  • Hospital and nursing care
  • Out-of-country care for business, vacation, or education purposes
  • Medical supplies and equipment
  • Diagnostic services for diagnostic lab and X-ray services not covered by provincial government plans
  • Drugs and drug supplies
  • Dental accident coverage
  • Paramedical coverage:
    • Chiropractors
    • Psychologists/Social Workers
    • Physiotherapists
    • Podiatrists (and Chiropodists)
    • Speech Therapists
    • Dietitians
    • Osteopaths
    • Naturopaths
    • Acupuncturists
    • Massage Therapists
  • Benefit limits and/or maximums apply
  • Unlimited Lifetime Healthcare Maximum
  • Visioncare:
    • Eye exams - 1 every 2 years
    • Glasses, contact lenses and laser eye surgery - $150 every 2 years
    • Preferred Visioncare Services
    • No calendar year Deductible
  • Who Pays: OCLC pays for Employee coverage. Employee pays for Dependent coverage
  • In Quebec - Employer paid Coverage is taxable


  • Basic Coverage
    • Ongoing care and maintenance of teeth, roots and gums
    • Diagnostic - exams, radiographs, X-rays, tests
    • Preventative treatment - polishing, scaling, oral hygiene instruction, pit and fissure sealants, and space maintainers for children
    • Minor restorations - fillings, prefab or stainless steel crowns, plus other services completed in conjunction with minor restorations
    • Endodontics - root canal treatment
    • Periodontics - treatment of gums
    • Denture maintenance - relines, rebases
    • Oral surgery
    • Adjunctive services - anesthesia, medications, relief of pain
    • No calendar year Deductible but benefit limits and/or maximums apply
  • Major Coverage
    • Crowns and onlays
    • Dentures and bridges
    • Restorative services related to crowns, onlays, dentures and bridges
    • Replacements when the existing appliance is at least five years old
    • No calendar year Deductible but benefit limits and/or maximums apply
  • Orthodontic Coverage
    • Covers children between ages of 6 and 18 years old when treatment starts
    • $2000 lifetime maximum
  • Who Pays: OCLC pays for Employee coverage. Employee pays for Dependent coverage
  • In Quebec - Employer paid Coverage is taxable

Employee Assistance Program (EAP)

Confidential counseling and referral services provided for employees and their families. Up to eight sessions provided at no fee. Counseling for a variety of personal difficulties such as, but not limited to, relationships, marriage, family, stress, grief, substance abuse, other addictive disorders, and child and adolescent issues. Counseling may take place in individual or group sessions, depending upon preference. Access to an Employee Assistance Program provided by: Live and Work Well at

Disability Benefits

Sick Leaves

Benefit: 100% of base pay accrued as follows:

  • For 30 hours work week: 7.6 hours per month up to 15 days per year, with a maximum accrual of 390 hours (13 weeks).
  • For 37.5 hours work week: 9.5 hours per month up to 15 days per year, with a maximum accrual - 487.5 hours (13 weeks).
  • For 40 hours work week: 10 hours per month up to 15 days per year, with a maximum accrual - 520 hours (13 weeks).

Sick Leave may also be used for;

  • Personal medical or dental appointments
  • Up to 80 hours per calendar year for illness of a member of the employee's immediate family (spouse, domestic partner, parents, children, stepchildren, legal wards, siblings, grandparents) requiring that someone stay home to care for the sick person. The family member must be sufficiently sick so as to require assistance for basic medical care, personal needs, safety or transportation or must be undergoing a serious operation in a hospital.

OCLC pays for this benefit.
It is a taxable benefit.

Employment Insurance (EI)

Government provided program: Up to 55% of average insured earnings up to the statuary cap. May be used after Sick Pay is exhausted and prior to the start of Long Term Disability

Long Term Disability (LTD)

The Long Term Disbility Benefit is 60% of monthly earnings to maximum $10,000 per month or 85% of pre-disability take-home pay, whichever is less to age 65. There is a 90 days waiting period. Proof of insurability needed for benefit over $3,700 per month. The definition of total disability: for first 24 months, unable to perform your own job; thereafter, prevented from performing any job. The LTD benefit may be reduced for certain other income. OCLC pays the premium for this benefit. This is a taxable benefit.

Life Insurance Benefits

Employee Basic Life Insurance:

Employee Basic Life Insurance: 300% of annual earnings, with a maximum of $500,000. This benefit is reduced by 50% at age 65 and terminates at age 71. Proof of insurability required for any coverage above $158,000. Benefit terminates upon termination of employment. Waiver of Premium after 90 days of disability. Conversion privilege under age 65. OCLC pays for this benefit. It is a taxable benefit.

Dependent Basic Life Insurance

This benefit covers an employees spouse for $10,000 and dependent child for $5,000. Waiver of Premium for disability if premium waives for Basic Life. OCLC pays for this benefit. This is a taxable benefit.

Optional Life Insurance

Employees and/or spouses can purchase optional life insurance in units of $10,000 to a maximum of $200,000. Proof of insurability required for any coverage. Waiver of Premium for disability if premium waives for Basic Life. Coverage stops at age 65. This insurance can be converted to individual policy. This benefit is paid for by the employee. This is a non-taxable benefit.

Employee Accidental Death, Dismemberment, and Specific Loss (AD&D)Insurance

Equal to the Employee Basic Group Life Insurance. Death or loss within 365 days of date of accident. Schedule of losses includes life, hand, foot, eye or combination. This benefit terminates at age 71. This benefit is payed for by OCLC and is taxable in Quebec.

Business Travel Accident

24 hour coverage while traveling on company business. Covers all employees and includes exposure and disappearance provisions. Covers death, dismemberment or loss of sight. OCLC pays for this benefit.

Group Registered Retirement Savings Plan (RRSP)

OCLC Account

OCLC makes contributions of 5.5% of base salary on a monthly basis, and no employee contributions required. Employees are eligible after 1000 hours of work and 12 months service. Employees are vested immediately in all Employer contributions. Withdrawals are permitted only for financial hardship, or medical expenses, or purchase of primary residence or for higher education. This plan is administered by Standard Life Assurance Company.

Employee Account

Employees may make contributions to an Employee Account. They may contribute from 1-6% of earnings and OCLC will match 35 cents for every dollar contributed. Employees are eligible after 3 months of service. The administrator for this plan is Standard Life Assurance Company.

Employee Voluntary Account

Employees may make additional voluntary contributions over and above the 6% up to maximum allowable limit set under Income Tax Act (currently - 18% of earnings up to $16,5000 per year - as of 2005). Eligibility is reached after 3 months of service. Withdrawals are permitted at any time from Employee Voluntary Account. This account is administered by Standard Life Assurance Company.

Spousal Account

Contributions may also be made of behalf of spouse (RRSP Spousal). These contributions can not be from matched funds, but must be from contributions over 6% of base salary. The spouse (not employee) is permitted to make withdrawals. The administrator is Standard Life Assurance Company.



Vacation leave is an earned benefit that accrues on the basis of each full month of employment. Vacation is not earned until the respective month is completed

Hours per Week Days of Vaction per Years of Service Maximum days of Accrued Vaction
1-3 4-6 7+
30 10 (accrue 5.066 hours per month) 15 (accrue 7.6 hours per month) 20 (accrue 10.134 hours per month) 91 hours during first 3 years of employment and then 182 hours thereafter
37.5 10 (accrue 6.333 hours per month) 15 (accrue 9.5 hours per month) 20 (accrue 12.667 hours per month) 114 hours during first 3 years of employment and then 228 hours thereafter
40 10 (accrue 6.667 hours per month) 15 (accrue 10 hours per month) 20 (accrue 13.334 hours per month) 120 hours during first 3 years of employment and then 240 hours thereafter
Vacation over maximum accrual is forfeited at the end of calendar year


Province: Alberta B.C. Manitoba Ontario Quebec
New Years Day (January 1) X X X X X
Good Friday X X X X X
Victoria Day (Monday preceding May 25) X X X X X
Canada Day (July 1) X X X X X
Labour Day (first Monday in September) X X X X X
Thanksgiving Day (second Monday in October) X X X X X
Remembrance Day (November 11) X X X   X
Christmas Day (December 25) X X X X X
Other: Alberta Family Day (3rd Monday in Feb.) Civic Holiday (July 1) Civic Holiday (1st Monday in Aug.) Civic Holiday (1st Monday in Aug.) and
Boxing Day (December 26)
St. Jean Baptiste Day (June 24)
Floating Holidays:
  • For employees working 30 or 37.5 hours per week: 3 floating holidays per year awarded one day at a time after the first day of the first three calendar quarters
  • For employees working 40 hours per week: 4 floating holidays per year awarded one day at a time after each calendar quarter


One day to attend funeral and up to a maximum of two days for travel and/or to attend to related details.

Jury Duty

No limit on the amount of paid time - must report to work when not required by the court.

Leave Without Pay

May be granted for up to one year - with the approval of appropriate Vice President and Corporate Human Resources

Employee Services

Computer Purchase Plan

Interest-free loan up to $C 5,000/year* for purchase of a personal computer and/or related peripherals

Adoption Assistance

Up to $US 2,500* maximum

Employee Charitable Fund

Voluntary payroll deductions to United Way agencies only.

Fitness Reimbursement

OCLC will offer fitness refund. Employees in regional offices without an on-site fitness facility may apply for a reimbursement from OCLC for expenses incurred when the employee joins an area fitness facility. Reimbursement (rate is set annually) is $C 500 per employee per calendar year in 2005. Note: This does not include the costs incurred for fitness classes. This applies to fitness facility memberships only.

Domestic Moving & Living Asssignments

OCLC will implement its new hire and employee relocation programs

International Assignments

Assistance for employees working on short term assignments in other countries only

Service Recognition

Eligibility: Regular full time and part time employees at 5, 10, 15, 20, 25, 30 and 35 year service anniversaries (gift selection).

Tuition Reimbursement

OCLC reimburses tuition costs up to a maximum of $US 3,500*/year at accredited institution of higher education for courses relevant to current or potential job.

Membership Fees

Paid for professional organization and must benefit company

* Amounts shown in US dollars will be converted to Canadian dollars at the current exchange rate at the time of payment

Information contained in this Summary is as of January 2005. This Summary highlights the main features of the OCLC benefit plans. It is intended to help you choose the benefit plans that are best for you. This document does not contain all the plan rules or details. The terms of your benefit plans are governed by legal documents, including insurance contracts. Should there be any inconsistencies between this document and the legal plan documents, the plan documents are the final authority. OCLC Online Computer Library Center, Inc. reserves the right to change or discontinue its benefits plans at any time.