Health & Welfare

COVERAGE

COMPARISON TABLE

Effective January 1, 2026, 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

$485/month effective Jan 1, 2025

$240/month

$140/month effective Jan 1, 2025
Extended Health and Health Practitioners (Pacific Blue Cross), including emergency Out of Province coverage

Included, see Pacific Blue Cross booklet

Included, see Pacific Blue Cross booklet

Included see Pacific Blue Cross booklet, Note: capped at lifetime limit of $125,000/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

$2,800 dental, $600 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, see detailed section

Included, see detailed section

Included, see detailed section
ALAViDA Substance Use Management

Included, see detailed section

Included, see detailed section

Included, see detailed section
SUB Plan Top-Up  (Effective Jan 1, 2024)

Included, see detailed section

N/A

N/A

*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)
  • Members Death Benefit ($10,000)
  • Wage Indemnity-Income Continuance (only when working for contributing employer, not included in self-pay coverage)
  • SUB Top-Up
  • Dental/Optical & Hearing Aids
    • 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
  • Jury Duty Reimbursement
  • ALAViDA

Members Self-paying for Plan A do not receive coverage for Bereavement Wage Loss, Wage Indemnity, SUB top-up or Income Continuance benefits.

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)
  • 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
  • Members and Family Assistance Program
  • Dental/Optical/Hearing Aids
    • 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 $125,000 (Effective January 1, 2026) 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.