Health & Welfare

COVERAGE

COMPARISON TABLE

Effective January 1, 2021, coverage for the various plans is as follows:

Benefit

Plan A

Plan B

Plan C

Available To:

Eligible Active Members through Collective Agreement contributions or eligible self pay

Eligible Unemployed or Underemployed members via self pay

Retirees, see Application Requirement in Self Pay section

Self Pay Cost

$440/month

$240/month

$125/month

MSP Coverage Administration

Included

Included

Included

Extended Health and Health Practitioners (Pacific Blue Cross), including emergency Out of Province coverage

Included

Included

Included, Note: capped at lifetime limit of $100,000/employee or per family member

Life Insurance

< age 65

65 and up

 

$100,000

$35,000

 

$100,000

N/A

Age  65       $10,000

66                    9,000

67                    8,000

68                    7,000

69                    6,000

70+                  5,000

Spouse Life Insurance

Member has Spouse only

Member has Spouse + Children

 

$5,000

$10,000

 

$5,000

$10,000

 

N/A

Members Death Benefit (Bereavement)

$10,000

N/A

N/A

Bereavement Wage Loss

$250/day for maximum 3 days

N/A

N/A

Wage Indemnity

Included, see detailed section

N/A

N/A

Income Continuance

Included, see detailed section

N/A

N/A

Dental/Hearing Aids/Optical

$2,500 dental/hearing aids, $500 optical (per family per year)

N/A

$1,500/family combined per calendar year*

Children’s Orthodontics

75% to maximum $5,250 reimbursed

N/A

N/A

Supplemental Health Account

$750 per family per year, 4 months of coverage required in a calendar year

N/A

N/A

Members Assistance Program (EAP)

Included

Included

Included

*In the calendar year a member retires and converts from plan “A” to plan “C” the plan “C” $1,500 annual dental/optical/hearing aid amount is the annual amount and is not in addition to any dental/optical/hearing aid amount used while on plan “A” in the same calendar year.


PLAN “A” SUMMARY

  • Basic Medical (MSP Group Administration)
  • Extended Health (Pacific Blue Cross)
  • Life Insurance ($100,000) – Active 65 years of age and older ($35,000)
  • Spousal Insurance ($5,000) – With dependent children ($10,000)
  • Members Death Benefit ($10,000)
  • Wage Indemnity-Income Continuance (only when working for contributing employer, not included in self-pay coverage)
  • Dental/Optical & Hearing Aids ($2,500 dental/hearing aids. $500 optical per family per year)
  • Childrens’ Orthodontics (75%)
  • Members and Family Assistance Program
  • Supplemental Health Account
  • Bereavement Wage Loss

PLAN “B” SUMMARY

  • Basic Medical (MSP Group Administration)
  • Extended Health (Pacific Blue Cross)
  • Life Insurance ($100,000)
  • Spousal Insurance ($5,000) – With dependent children ($10 000)
  • Members and Family Assistance Program

PLAN “C” SUMMARY

  • Basic Medical (MSP Group Administration)
  • Extended Health * (Pacific Blue Cross)
  • Life Insurance: as follows:
    • Age 65 $10,000.00
      Age 66 $9,000.00
      Age 67 $8,000.00
      Age 68 $7,000.00
      Age 69 $6,000.00
      Age 70 and older $5,000.00
  • Members and Family Assistance Program
  • Dental/Optical/Hearing Aids $1,500 per family per year
* Under Plan C, Extended Health coverage is limited to $100,000 per member or dependent (including out of Province coverage) per lifetime.
In the calendar year a member retires and converts from plan “A” to plan “C” the plan “C” $1500 annual dental/optical/hearing aid amount is the annual amount and is not in addition to any dental/optical/hearing aid amount used while on plan “A” in the same calendar year.