Basic Plan

The following benefits are available to eligible individuals who are less than the age of 75 and are working a minimum of 20 hours per week.  For eligible individuals who are retired, only the Extended Health and Dental benefits would be applicable with additional limitations. Note: Those age 65+ are not eligible for LTD.

Life Insurance:

The plan provides for life insurance in the amount of $25,000 for the member, if married $15,000 for his or her spouse and $5,000 for each dependent child.

Accident Insurance:

The plan provides for a basic accident insurance that will provide $200,000 if the death of the insured is caused by accidental means. This coverage will also provide payment in varying amounts for permanent injury.

Critical Illness:

The plan provides a benefit of $10,000 payable to an individual in the event he or she suffers certain critical conditions (e.g. heart attack, stroke, kidney failure).

Long Term Disability (LTD) Salary Calculation:

Please let us know your income and your housing allowance to help us accurately calculate your long term disability coverage.  Failure to do so may result in the benefit being inaccurate.  If this were to happen, the benefit would be based on the salary figure we currently have.

Extended Health Benefit:

This benefit will provide for 100% of the cost of prescription medications less the dispensing fee and a number of other medical procedures up to calendar year maximum.  The prescription medications may be covered at the pharmacy or may be required for mail-in reimbursement.  After retirement there is a $15,000 lifetime maximum on benefits payable under this benefit, which includes global medical coverage.

Dental Benefit:

Subject to the plan limitations this benefit will pay 90% of the cost of basic dental procedures, reimbursed on the basis of the current fee schedule in the province of residence and 50% of the cost of major items such as bridges, crowns and false teeth. No coverage will be provided for bridges or dentures unless a tooth is extracted at the time of treatment ("missing tooth exclusion").