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

BOOKLET ADDENDUM

Effective July 1, 2015: Weekly Indemnity benefit increases from $500 per week to $550 per week.

Weekly Indemnity

Eligibility – All Active Employees
This benefit provides eligible members with a weekly income provided they are totally disabled due to a non-occupational injury or disease.
To qualify for the Weekly Indemnity (WI), you must satisfy the following:

  • You were actively at work on the date your disability commenced.
  • If you become totally disabled, you must apply to Employment Insurance (EI) for sickness benefits.  If you meet the EI eligibility requirements, you will receive up to a maximum of fifteen (15) weeks of benefit payments from EI, OR
  • If you are totally disabled, you must be eligible to receive payments from another weekly indemnity plan that is provided through your Local up to a maximum of 17 weeks (includes the 2-week EI waiting period).

Definition of Total Disability or Totally Disabled
“Total Disability” means that a member is incapacitated to the extent that the Employee is not able to perform all of the usual and customary duties of his/her occupation.

Commencement of Benefits
Benefits commence after 17 weeks if you qualify for the maximum of 15 weeks of benefit payments from EI.
If you do not qualify for the maximum of 15 weeks from EI, benefits will commence when EI benefits are no longer payable.
If you do not qualify for any EI benefits, Weekly Indemnity benefits commence after 14 days of disability.
If you receive benefit payments from another weekly indemnity plan provided through your Local, your benefit payments under this Plan commence after 17 weeks.

Amount of Weekly Benefit
The Weekly Indemnity benefit is $500.   Weekly Indemnity benefits are non-taxable.
           
Benefit Duration
Weekly Indemnity benefits commence after the termination of EI disability benefits and are payable up to your 53rd week of disability.
WI benefits are not payable after the date you retire.

Application
To apply for WI benefits, you will be required to submit a fully completed WI claim form and your EI benefit statement to the Plan Administrator.  If you are not eligible for disability benefits from EI, or your disability benefits are terminated by EI prior to receiving 15 weeks of payments, you must submit proof to the Plan Administrator indicating the date of your last payment or that you are not eligible for disability benefits through EI.

Recurring Disability
If a member who was receiving WI benefits becomes disabled as a result of the same or related cause(s) within 30 days after returning to active work, the member will be considered disabled for one continuous period and no waiting period will be applied.  If a member has returned to active work for one full day and becomes disabled from different or unrelated causes, the member will begin a new period of disability and the waiting period shall be applied.

Exceptions and Limitations
No benefits are payable for:

  • Any portion of a period of disability unless you are receiving ongoing supervision/treatment by a physician deemed appropriate for the impairment which is causing the disability.  You will not be paid for any portion of a period of disability during which you do not participate in the treatment program recommended by said physician.
  • Any portion of a period of disability during which you are receiving treatment by a therapist unless such treatment is recommended by a physician deemed appropriate.
  • Any portion of a period of disability resulting from substance abuse, including alcoholism and drug addiction, unless you are participating in a recognized substance withdrawal program.
  • Disabilities resulting from self-inflicted injuries or attempted suicide.
  • Disabilities as a result of participation in a war, riot, insurrection or criminal act.
  • Disabilities resulting from an accident which occurs while you are operating a motor vehicle and your blood contains more than the legislated legal blood alcohol limit in the jurisdiction where the accident occurred.
  • The portion of a period of disability during which you are
  • imprisoned in a penal institution, or
  • confined in a hospital, or similar institution, as a result of criminal proceedings.
  • Disabilities which commence on or after the date a strike or layoff begins.
  • Disabilities which occur while performing any occupation or employment for remuneration or profit.
  • Disabilities for which you receive benefits in accordance with the provisions of a Workers’ Compensation Board/Workers Safety Insurance Board or similar law.

Reimbursement (Recovery of Benefits)
If you received WI benefits under this Plan and you recover monies from a third party (by way of judgement or settlement) for the same disability, or as a result of the incident which caused or contributed to your disability, then such recovered monies must be paid to the Trust Funds up to the total WI benefits received by you. You will be required to execute documents which acknowledge that you understand your obligation to reimburse and to assign monies you recover to the Trust Funds up to the total amount of WI benefits received for the same period of disability.

 


 

   

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