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.
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.
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.
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):
This benefit will provide, up to a maximum of $4,000 per month, 2/3 of the insured's salary should he or she become disabled due to accident or illness for more than 120 days.
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.
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").