Table of Contents
COVERAGE
COMPARISON TABLE
Effective January 1, 2023, 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 $485/month effective Jan 1, 2025 |
$240/month |
$125/month $140/month effective Jan 1, 2025 |
| 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
< age 65 65 and up |
$100,000 $35,000
$100,000 $35,000 |
$100,000 N/A
$100,000 N/A
|
Age 65 $10,000 66 9,000 67 8,000 68 7,000 69 6,000 70+ 5,000
N/A
|
| Dependent Life Insurance
Spouse Coverage Member has Spouse only Member has Spouse + Children Dependent Child Coverage (Jan 1, 2023) |
$5,000 $10,000 $2,500
|
$5,000 $10,000 $2,500 |
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/Optical |
Effective Jan 1, 2024: $2,800 dental, $600 optical (per family per year) Prior to Jan 1, 2024: $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 |
| ALAViDA Substance Use Management |
Included |
Included |
Included |
| SUB Plan Top-Up (Effective Jan 1, 2024) |
Included, see detailed section |
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
- Extended Health (Pacific Blue Cross)
- Life Insurance ($100,000) – Active 65 years of age and older ($35,000)
- Accidental Death and Dismemberment Insurance ($100,000) – Active 65 years of age and older ($35,000)
- Spousal Insurance ($5,000) – With dependent children ($10,000)
- Dependent Child Insurance – $2,500 (Jan 1, 2023)
- Members Death Benefit ($10,000)
- Wage Indemnity-Income Continuance (only when working for contributing employer, not included in self-pay coverage)
- SUB Top-Up (Jan 1, 2024)
- Dental/Optical & Hearing Aids
- Prior to Jan 1, 2024: ($2,500 dental/hearing aids. $500 optical per family per year)
- Effective Jan 1, 2024: ($2,800 dental. $600 optical per family per year). Adult hearing aid coverage moved to Pacific Blue Cross at $1,500 per 3 years)
- Childrens’ Orthodontics (75%)
- Members and Family Assistance Program
- Supplemental Health Account
- Bereavement Wage Loss
- ALAViDA
PLAN “B” SUMMARY
- Extended Health (Pacific Blue Cross)
- Life Insurance ($100,000)
- Accidental Death and Dismemberment Insurance ($100,000)
- Spousal Insurance ($5,000) – With dependent children ($10 000)
- Dependent Child Insurance – $2,500 (Jan 1, 2023)
- Members and Family Assistance Program
- ALAViDA
PLAN “C” SUMMARY
- 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
- Age 65 $10,000.00
- Members and Family Assistance Program
- Dental/Optical/Hearing Aids
- Prior to Jan 1, 2024: $1,500 per family per year
- Effective Jan 1, 2024: $1,500 per family per year. Hearing Aid coverage moved to Pacific Blue Cross at $1,500 per 3 years
- ALAViDA