GENERAL INFORMATION
WELFARE PLAN
  BENEFIT HIGHLIGHTS
  ELIGIBLE DEPENDENTS
  DESCRIPTION OF BENEFITS
  LIFE INSURANCE
  ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS
  WEEKLY INDEMNITY
  LONG TERM DISABILITY
  MAJOR MEDICAL BENEFITS
  DENTAL BENEFITS
  EMERGENCY OUT OF PROVINCE
  MEMBER AND FAMILY ASSISTANCE PLAN
  GENERAL EXCLUSIONS
  COORDINATION OF BENEFITS
  GENERAL INFORMATION
  PAY-DIRECT COVERAGE
  EXTENSION OF MAJOR MEDICAL AND DEATH BENEFITS ON AN EMPLOYEES' DEATH
  EXTENTION OF MAJOR MEDICAL AND DENTAL BEFEFITS IF SICK OR DIABLED
  NO BREAK IN SERVICE ARRANGEMENT
  DESIGNATION OF A BENEFICIARY
  BENEFITS PERTAINING TO PENSIONERS
  TERMINATED FORMER EMPLOYEES
  HOW TO SUBMIT CLAIMS
  TERMINATION OF WELFARE COVERAGE
  FUTURE OF THE PLAN
PENSION PLAN
MEMBER BENEFIT BOOKLET
 

 

WELFARE AND PENSION PLANS

Welfare Plan

DESCRIPTION OF BENEFITS


Accidental Death and Dismemberment Benefits
(EMPLOYEES ONLY)

IIf death, dismemberment or loss of sight occurs because of injury due to an accident, and within 365 days of the accident, you will receive:

For loss of:

Life (paid to your designated beneficiary)

Both hands or both feet

Entire sight of both eyes

One hand and one foot

One hand and entire sight of one eye

One foot and entire sight of one eye

One arm or one leg

One hand or one foot

Entire sight of one eye

Thumb and index finger of same hand

Speech and hearing in both ears

Speech or hearing in both ears

Hearing in one ear

Use of both arms or both hands

Use of one hand or one foot

Use of one arm or one leg

Four fingers of one hand

All toes of one foot

For quadriplegia, paraplegia or hemiplegia

The Principal Sum

The Principal Sum

The Principal Sum

The Principal Sum

The Principal Sum

The Principal Sum

Three-Quarters of The Principal Sum

Two-Thirds of The Principal Sum

Two-Thirds of The Principal Sum

One-Third of The Principal Sum

The Principal Sum

Two-Thirds of The Principal Sum

One-Sixth of The Principal Sum

The Principal Sum

Two-Thirds of The Principal Sum

Three-Quarters of The Principal Sum

One-Third of The Principal sum

One-Eighth of The Principal Sum

Two Times The Principal Sum


If your loss is sustained in an automobile accident, provided you were wearing a seat belt at the time of the accident, you will receive an additional 10% of the benefit otherwise payable.
If more than one loss is sustained as the result of the same accident, payment will only be made for one loss, the greatest.

Note:       The following are not covered:

  1. suicide or self-destruction or any attempt thereat;
  2. declared or undeclared war or any act thereof;
  3. active full-time service in any armed forces;
  4. flight in any aircraft, except as a passenger.

 

 


 

   

READ CAREFULLY, BUT REMEMBER…

This is a general outline of the Plans and its purpose is to explain as briefly and clearly as possible each of the benefits to which you are entitled. The benefits outlined under the Plans are subject to the terms and conditions of the Plan documents and Group Master Policies. If there is any conflict between this outline and the Plan documents and Group Master Policies, the Plan documents and Group Master Policies will apply in all cases. Also remember that no benefits are guaranteed and that the benefits can be changed by the Trustees at any time.

 
FAQ's | Contacts | Table of Contents | Français