LIFE INSURANCE

MEMBER, SPOUSE, DEPENDENT & SPECIAL NEEDS

WHO's ELIGIBLE

MEMBER: Eligible Active Members who meet the eligibility requirements of the Trust Fund and are under the age of 75.

SPOUSE: Eligible Spouses who meet the eligibility requirements of the Trust Fund and are under the age of 75.

DEPENDENT: Eligible Dependents who meet the eligibility requirements of the Trust Fund and are over the age of 14 days.

SPECIAL NEEDS: Eligible Active Members who meet the eligibility requirements of the Trust Fund and are under the age of 75.

THE BENEFITS

Member Benefit Details:
• Life Maximum - $150,000
• Interment Maximum - $10,000

Spousal Benefit Details:
• Life Maximum - $20,000

Dependent Benefit Details:
• Life Maximum - $10,000

Special Needs Benefit Details:
• Life Maximum - $100,000

MORE INFORMATION

Contact the Administrative Agent or download the informational benefits summary sheet.

ACCIDENTAL DEATH

ACCIDENTAL DEATH & DISMEMBERMENT

OCCUPATIONAL ACCIDENTAL DEATH & DISMEMBERMENT

WHO's ELIGIBLE

Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund and are under the age of 70.

THE BENEFITS

Accidental Death & Dismemberment:
• Member - Up to $200,000
• Spouse - Up to $60,000
• Dependent Child - Up to $8,000

Occupational Accidental Death & Dismemberment:
• Life Maximum - Up to $200,000

MORE INFORMATION

Contact the Administrative Agent or download the informational benefits summary sheet.

DISABILITY

SHORT TERM, LONG TERM & PERMANENT TOTAL

WHO's ELIGIBLE

SHORT TERM: Eligible Active Members who meet the eligibility requirements of the Trust Fund and are under the age of 70.

LONG TERM: Eligible Active Members who meet the eligibility requirements of the Trust Fund and are under the age of 65.

PERMANENT TOTAL: Eligible Active Members who meet the eligibility requirements of the Trust Fund and are under the age of 70.

THE BENEFITS

SHORT TERM BENEFIT:
• Member – Weekly Benefit Maximum of $500 payable from 1st day accident or hospitalization (minimum of 18 hours) or 8th day illness, disease or sickness (15 weeks Employment Insurance Sickness integrated) up to a maximum of 104 weeks.

LONG TERM BENEFIT: Member – Monthly Benefit Maximum of $1,000 (Years 1-5) or $600 (Years 6-10) payable after the waiting period of 104 weeks up to a maximum of 10 years, recovery, age 65, or death.

PERMANENT TOTAL: Life Maximum of $300,000 if continuously disabled for a period greater than 1 year as a result of an accident.

MORE INFORMATION

Contact the Administrative Agent or download the informational benefits summary sheet.

LONG TERM CARE

WHO's ELIGIBLE

Eligible Active Members and eligible spouses who meet the eligibility requirements of the Trust Fund and are over the age of 18.

THE BENFITS

• Life Maximum - $175,000
• $50 per day indemnity benefit
• $100 per day for eligible expenses

MORE INFORMATION

Contact the Administrative Agent or download the informational benefits brochure.

SECOND OPINION MEDICAL BENEFIT

WHO's ELIGIBLE

Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund and are over the age of 18.

THE BENEFITS

Services for serious illnesses:
• Review and Second Opinion
• Care Coordination
• Out of Country Care Coordination

MORE INFORMATION

Contact the Administrative Agent or download the informational benefits brochure.

CRITICAL ILLNESS

WHO's ELIGIBLE

Eligible Active Members and eligible spouses who meet the eligibility requirements of the Trust Fund and are under the age of 70.

THE BENEFITS

• Member - $25,000
• Spouse - $5,000
• Survival Period of 30 days from the date of diagnosis
• 50 % of the above amount if over the age of 65

MORE INFORMATION

Contact the Administrative Agent or download the informational benefits brochure.

HOSPITAL CASH BENEFIT

WHO's ELIGIBLE

Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund and are under the age of 70.

THE BENEFITS

• Benefit Maximum - $150 per day payable after three (3) consecutive days of hospitalization for a maximum hospital stay of 120 consecutive days.

MORE INFORMATION

Contact the Administrative Agent or download the informational benefits brochure.

DENTAL CARE BENEFITS

WHO's ELIGIBLE

Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund.

THE BENEFITS

Annual Maximum - $3,000 per insured individual inclusive of all dental services
• 100% Routine Care / Complete Dentures / Crowns / Bridgework / Implants
• 80% Partial Dentures
• 60% Orthodontics - $2,500 life maximum (dependents under the age of 18)
• 2014 O.D.A. Fee Guide

MORE INFORMATION

Contact the Administrative Agent or download the informational benefits summary sheet.

SPECIAL MEDICAL / HOSPITAL COVERAGE WHILE IN CANADA

WHO's ELIGIBLE

Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund and are under the age of 70.

THE BENEFITS

• Life Maximum – $250,000 ($25,000 per occurrence) for Reasonable & Customary Hospital charges, fees, exams incurred in Canada while waiting for Provincial Health Plan coverage to become effective.

MORE INFORMATION

Contact the Administrative Agent or download the informational benefits brochure.

EMERGENCY OUT-OF- PROVINCE MEDICAL

WHO's ELIGIBLE

Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund and are under the age of 80.

THE BENEFITS

• Life Maximum – Under age 70: $5,000,000
• Life Maximum – Age 70 to 74: $1,000,000
• Life Maximum – Age 75 to 80: $500,000
• Period of Coverage – Maximum of 90 consecutive days per trip

MORE INFORMATION

Contact the Administrative Agent or download the informational benefits brochure & travel card.

EXTENDED HEALTH CARE BENEFITS

WHO's ELIGIBLE

Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund.

THE BENEFITS

• Life Maximum - $1,000,000 per insured individual.
• Paramedical Coverage, Orthopedic Coverage, Hearing Aid Coverage and other Healthcare Coverages.

MORE INFORMATION

Contact the Administrative Agent or download the informational benefits summary sheet.

BEREAVEMENT PAY

WHO's ELIGIBLE

Eligible Active Members who meet the eligibility requirements of the Trust Fund.

THE BENEFITS

• Benefit Maximum - $250 per day for a maximum of 3 consecutive business days for the loss of eligible family members.

MORE INFORMATION

Contact the Administrative Agent or download the informational benefits summary sheet.

PRESCRIPTION DRUG BENEFIT

WHO's ELIGIBLE

Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund.

THE BENEFITS

• Prescription Drug Benefit Card reimbursed at 100%
• $50,000 Lifetime Maximum on Opioids.

MORE INFORMATION

Contact the Administrative Agent or download the informational benefits summary sheet.

VISION CARE

WHO's ELIGIBLE

Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund.

THE BENEFITS

• Maximum combined benefit of $400 once every 24 months for one (1) set of eyeglasses (lenses/frames combined) or contact lenses including one (1) eye exam and $100 replacement lenses if as a result of a prescription change or damage.

MORE INFORMATION

Contact the Administrative Agent or download the informational benefits summary sheet.

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