Health & Welfare

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

$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

 

 

AD&D Insurance

 

< 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

  • Basic Medical (MSP Group Administration)
  • 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

  • Basic Medical (MSP Group Administration)
  • 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

  • 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
    • 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
* 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.