Downloadable Booklets
Active Members Benefits Booklet
Benefit Plan Emergency Medical Travel Insurance Booklet
Schedule of Benefits and Wallet Card
Retired Members Benefits Booklet
Protection against financial hardship that often accompanies sickness, accident or death is important to all of us. This Plan is intended to bring greater peace of mind and an increased feeling of security to you and your family. For a full list of what is covered, and the level of benefits, please refer to the Plan Booklets.
The Benefits Plan Booklets contain details on the coverage provided by the Health & Wellness Plan for Active, Associate & Disabled Members, and Retired Members.
Please refer to Manulife’s out-of-province emergency medical benefit booklet for details of the coverage provided and to the Schedule of Benefits specific to your Plan.
The Pension Plan Booklet contains details of the benefits provided by the Pension Plan and at the same time answers most of the questions you may have about the Plan.
Benefit Overview (as at January 1, 2024)
| Active Members | Disabled Members | Associate Members | Retired Members | |
|---|---|---|---|---|
| Life Insurance | $70,000 | $70,000 | $10,000* *if retired on or after Nov 1, 2011 |
|
| Accidental Death & Dismemberment | $70,000 | $70,000 | ||
| Weekly Indemnity | $675 per week | |||
| Benefits Commence | 1st day for non-occupational accidents, 8th day for non-occupational illness, 1st day hospitalized | |||
| Benefit | If eligible, Plan pays first 8 days of disability, then EI Sickness benefits would provide up to 26 additional weeks of benefits, then WI would continue to pay benefits up to a maximum of 52 weeks of benefit including the EI Sickness benefit payments. Apply for WI first, then EI Sickness benefits to start on the date your first 8 days of WI are exhausted. | none | none | none |
| Long Term Disability | 75% of monthly earnings up to a maximum of $3,000 per month. 85% all-source maximum | none | none | none |
| Benefits Commence | following 52 days of total disability | |||
| Totally Disabled | Considered Totally Disabled during the first 24 months of benefits if unable to perform any and every duty of your own occupation. After 24 months considered Totally Disabled if unable to perform any and every duty of any occupation that you are reasonably qualified by training education or experience. | |||
| Benefits Terminate | Earliest of age 60 or no longer totally disabled | |||
| Extended Health Benefits | 100% | 80% of 1st $1,000 eligible expenses per family then 100% | 80% of 1st $1,000 eligible expenses per family then 100% | 70% of eligible non-drug expenses |
| Deductible | $50 per person/family | $50 per person/family | $50 per person/family | $50 per person/family (does not apply to drugs) |
| Prescription Drugs | 100%, Prior Authorization Program | included in 80% of 1st $1,000 eligible expenses per family then 100%, Prior Authorization Program | included in 80% of 1st $1,000 eligible expenses per family then 100%, Prior Authorization Program | 100% of Fair Pharmacare eligible drugs, 60% on all other eligible drugs, $50,000 lifetime maximum |
| Vision Benefits | 100% to $300 every 12 months | 100% to $150 every 12 months | 100% to $150 every 12 months | none |
| Paramedical Practitioners | speech language pathologist-$400/yr, acupuncturist-$400/yr, psychologist-$400/yr, podiatrist-$400/yr, chiropractor-$400/yr, naturopath-$400/yr. Massage therapist-unlimited, physiotherapist-unlimited | speech language pathologist-$400/yr, acupuncturist-$400/yr, psychologist-$400/yr, podiatrist-$400/yr, chiropractor-$400/yr, naturopath-$400/yr. Massage therapist-unlimited, physiotherapist-unlimited | speech language pathologist-$400/yr, acupuncturist-$400/yr, psychologist-$400/yr, podiatrist-$400/yr, chiropractor-$400/yr, naturopath-$400/yr. Massage therapist-unlimited, physiotherapist-unlimited | speech language pathologist-$400/yr, acupuncturist-$400/yr, psychologist-$400/yr, podiatrist-$400/yr, chiropractor-$400/yr, naturopath-$400/yr. Massage therapist-unlimited, physiotherapist-unlimited (up to overall EHB $50,000 lifetime max) |
| Hearing Aids | 100% up to $500 per lifetime/$400 every 60 months for dependent children | 100% up to $500 per lifetime | 100% up to $500 per lifetime | none |
| Custom Orthopedic Shoes or Custom Orthotics | one pair per year of either, not both, up to $350 max | one pair per year of either, not both, up to $350 max | one pair per year of either, not both, up to $350 max | one pair per year of either, not both, up to $350 max |
| Out of Province/Country Emergency | 90 days per trip, must be under the age of 70, $5 Million max per coverage period. This insurance will not pay any expenses relating to or in any way associated with any sickness, injury, medical condition or symptoms for which prior to your departure date, it is reasonable to believe or expect that treatments will be required during your trip. | 90 days per trip, must be under the age of 70, $5 Million max per coverage period. This insurance will not pay any expenses relating to or in any way associated with any sickness, injury, medical condition or symptoms for which prior to your departure date, it is reasonable to believe or expect that treatments will be required during your trip. | 90 days per trip, must be under the age of 70, $5 Million max per coverage period. This insurance will not pay any expenses relating to or in any way associated with any sickness, injury, medical condition or symptoms for which prior to your departure date, it is reasonable to believe or expect that treatments will be required during your trip. | none |
| Dental | no deductible | no deductible | no deductible | no deductible |
| Basic Services | 90% | 90% | 90% | 70% |
| Major Services | 50% | 50% | 50% | 50% (covers full or partial dentures only) |
| Calendar Year Maximum | $3,000 per person for basic and major combined | $3,000 per person for basic and major combined | $3,000 per person for basic and major combined | $1,000 per person for basic and major combined |
| Orthodontia | 50%, $3,000 lifetime max (adults and children after 6 months coverage under the Plan) | 50%, $3,000 lifetime max (adults and children after 6 months coverage under the Plan) | 50%, $3,000 lifetime max (adults and children after 6 months coverage under the Plan) | none |
| Employee and Family Assistance Plan | covered | covered | covered | covered |