Health & Welfare

INCOME CONTINUANCE

The Plan provides for an Income Continuance after you have exhausted the benefits provided under the Wage Indemnity section.

ELIGIBILITY
Should you become disabled for more than 52 consecutive weeks and therefore become eligible to receive the Income Continuance benefit, you must have made application for and be receiving the CPP disability pension, and/or satisfied the Trustees of the Plan of your continuing disability.

You must have been a member of the  Local 213 Electrical Workers’ Welfare Plan for 48 of the past 60 months.

All applications must be approved by the Trustees.

WHAT CONSTITUTES DISABILITY
Disability means the continuous inability as a result of illness or injury to perform each and every gainful occupation or employment for which you are reasonably qualified by education training or experience. The member must not be engaged in any occupation or employment for wage or profit.

AMOUNT OF PAYMENT
The payment amount is $1000.00 per month to approved members.

DISABILITIES NOT COVERED                                                      Exclusions are the same as those under the Wage Indemnity section.

LENGTH OF COVERAGE
A member’s coverage on Income Continuance will cease when he has reached age 65 or is on the old age pension, or permanently leaves the jurisdiction of I.B.E.W. Local 213 without the consent of the trustees.

In order to obtain maximum benefits under this section the applicant must have at least 10 years membership in IBEW Local 213. A member with less than ten years service will receive benefits for the length of time he has been a member, including the one year of wage indemnity.

The benefits described in this brochure are payable by the Local 213 Electrical Workers’ Welfare Plan and are subject to the financial resources available to the Plan Trustees.

While every effort will be made to maintain benefits, members and beneficiaries should understand that in the event of adverse financial experience the trustees cannot guarantee payment of all claims.

The Trustees also have the right to request proof that a member is still receiving a Canada Pension Disability pension.