GENERAL INFORMATION
WELFARE PLAN
  BENEFIT HIGHLIGHTS
  ELIGIBLE DEPENDENTS
  DESCRIPTION OF BENEFITS
  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 DISABLED
  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

GENERAL INFORMATION

Hospital care to the Standard Ward level and services provided by a Physician are covered under each Provincial Government Medical Plan. Such plans also cover other services and you should consult your local Government authorities for information in this regard.

The laws of Canada require that if a Provincial Government Medical Plan pays any portion of the medical services or procedures, a private plan, such as the Welfare Plan, cannot cover any portion of the fee for such procedure or service. Accordingly, no portion of the fees for services and procedures provided by health care specialists, such as chiropractors or podiatrists, are covered by the Welfare Plan if your Provincial Government Medical Plan has paid for, or reimbursed you for any portion of that fee. Once the Provincial Government Medical Plan ceases to pay any portion of the fee, the Welfare Plan may pay such benefits as are provided under the Plan up to the limits as set out.



 

   

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.

 
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