Enrollment

How can I update my mailing address, e-mail address and telephone number?

Click here for our contact information. You can call or e-mail the Plan Administration Office to update your contact details. If sending personal information by e-mail, you should always encrypt it to protect your privacy.

How can I update my dependants?

Click here to complete a new member information form. Once complete, mail the form to the Plan Administration Office.

How can I add my common law spouse to my plan?

Click here to complete a declaration of common-law form.

How can I check who my beneficiary is?

Click here to be directed to the health section. Then, click on "Check My Beneficiary".

How can I register to use the Plan’s secure website?

Click here to register. Several items on the plan’s website require members to register to view.

How can I sign up for direct deposit?

Click here to be directed to the direct deposit form for your health benefits.

Click here to be directed to the direct deposit form for your pension benefits.

Once completed, mail or e-mail the form to the Plan Administration Office.


Eligibility

Where can I check my eligibility for health benefits?

Click here to be directed to the health section. Then, click on "Check My Eligibility".


Pay Direct

Can I pay for my health and welfare benefits if I stop working and my dollar bank runs out?

Yes, you can pay direct for your health benefits for no more than 12 consecutive months.

The subsidized cost for benefits (excluding disability and emergency travel assistance) is currently $175 (before taxes).

How do I pay direct for my health benefits?

If you are required to pay direct for your health benefits, you will receive notification from the Plan Administration Office.

Members should submit the payment electronically through their online banking, "Bill Payments".

If you need assistance with this process, please contact the Plan Administration Office.


Contributions

Where can I see my contributions to the health and welfare plan?

Click here to be directed to the health section. Then, click on "Check My Contributions".

What is the current health and welfare contribution?

$3.25 per hour worked in the construction sector; the industrial sector has several contribution rates; please refer to your collective agreement.

Where can I see my contributions to the pension plan?

Click here to be directed to the pension section. Then, click on "Check My Contributions".

How can I obtain a pension estimate online?

Click here to be directed to the pension section. Then, click on "Pension Forecasting Calculator".

What is the current pension contribution?

This varies by collective agreement. Please check your Collective Agreement for details.

When will I receive a member benefit statement?

You will receive a member benefit statement twice a year.

The pension legislative deadline for mid-year statements is September 30th

The pension legislative deadline for year-end statements is June 30th.


Health Benefits

How do I become eligible for benefits?

If you are new to the health and welfare plan, you are eligible for health benefits on the 1st day of the 2nd month that you have $1,110 in employer contributions in your dollar bank.

$1,110 represents 3 months’ worth of health benefits.

Where can I find a quick summary of the health plan?

Click here to view the active member summary of health benefits.

Click here to view the early retiree health plan summary of health benefits.

Click here to view the retired member 65+ health plan summary of benefits.

Where can I submit a health claim online?

Click here to be directed to our technology provider’s Plan Member Online Services (GSC).

Sign into the secure site and follow the steps to submit your claim.

When will I receive my money after I submit a claim?

If you submitted an electronic claim, you should see a statement on your online account within 1-2 business days. Manual claims can take longer. We recommend always using your benefit card when possible.

How long do I need to I keep my receipts?

The plan routinely audits claims. Keep your receipts for 12 months from the date you submitted your claim.

My Spouse has a benefit plan. Do I need to inform my plan?

Yes, call the Plan Administration Office for a co-ordination of benefits form.

How can I appeal how a claim was paid/not paid?

Click here to review the plan’s benefit appeal process.


Weekly Indemnity (Short Term Disability)

Who is eligible for the Weekly Indemnity (WI) Disability Income Benefit?

Only active plan members who are not on Pay Direct at the time of their injury/illness are eligible.

How do I apply for the WI benefit?

Click here to view the statement of claim form.

What is the claim submission deadline?

Completed applications must be submitted within 6 months from the date you are deemed disabled by a Medical Doctor (i.e. specialist, psychiatrist, etc.).

Do I receive a benefit from the first day of my disability?

Disability payments start on:

  • 8th day if the disability is due to a sickness;
  • 1st day if the disability is due to an accident;
  • 1st day if admitted for 24 hours or longer in a hospital.

Are disabilities arising from motor vehicle accidents covered by the Plan?

The plan is the second payer for motor vehicle accidents. Benefits are only paid once benefit options from other providers (e.g. auto insurers) have been exhausted.

Are work-related injuries covered by the Plan?

Work-related injuries are not covered unless the Member’s claim is denied by WSIB or WCB or the claim is under appeal.

How many weeks of WI?

The plan's WI Benefit is integrated with Employment Insurance (EI) Sickness benefit. The plan pays up to 11 weeks and EI pays up to 15 weeks which is a combined total of 26 weeks of benefit paid.

Do I have to apply for the Employment Insurance (EI) benefit?

Yes, you are required to apply to both Employment Insurance (EI) Sickness benefit and the plan’s WI benefit when submitting a claim for disability benefit.

What if I am not approved for Employment Insurance (EI) benefit?

If you are denied EI for insufficient insurable hours, you must provide the plan a copy of the denial letter from EI in order to be eligible to receive the 15 weeks through the plan.

How much is paid for the WI Benefit?

The Plan’s weekly disability benefit amount is the same as the current EI weekly benefit. This amount typically changes each year.

How long does it take to get paid for WI?

The adjudication and processing period is within 5 business days from the date the completed application is received by the Plan Administration Office.

Is the WI Benefit Taxable?

Yes, the WI Benefit is taxable.

What happens if I’m still disabled and unable to return to work after the WI Benefit ends?

If you remain disabled and unable to return to work after the full 26 weeks, you would then apply for the Long Term Disability (LTD) benefit.

Dollar Bank

What is a dollar bank?

It is where employer contributions are deposited when received.

It is where your monthly dollar bank drawdown is deducted from to keep you covered for health benefits.

It is also where your total lifetime contributory hours are recorded for your retired member health benefits.

What is the current dollar bank drawdown?

$370 per month.

This is the amount deducted from your dollar bank every month to cover you for benefits.

Think of this amount as your monthly insurance premium to provide health benefits to you and your family.

The dollar bank drawdown is the same for all members.

What is the current dollar bank maximum?

$5,550 (15 months of benefits).

You can use your dollar bank when employer contributions are not enough to keep you covered due to unemployment or disability.

Contributions over and above the $5,550 maximum bank are transferred to the health and welfare fund to help pay for retired member benefits, active member subsidies and new benefit improvements.


Long Term Disability

What is the definition of disabled for the Long Term Disability (LTD) benefit?

To qualify for the plan's LTD benefit, you must meet the definition of "Total Disability". During the first 24 months of a disability, "Total Disability" is considered to be the inability to perform any and every duty of your own occupation. Thereafter, Total Disability is defined as the inability to perform any and every duty of any occupation or employment for which you are reasonably qualified by training, education or experience.

How do I apply for the Long Term Disability (LTD) benefit?

You could become eligible for LTD after the 26-week WI period. The application is usually sent by mail in receipt of the WI benefit by the Disability Administrator on or before the 20th week of the WI claim.

Click here to view the LTD claim form.

How do I qualify for the LTD benefit?

You must be under the age of 64 years and 6 months and be disabled for 26 continuous weeks while under the care of a physician or specialist; and

Must remain a member in good standing of the IBB; and

Must be covered under the active member health plan.

What is the maximum amount paid by the Long Term Disability (LTD) benefit?

The plan's LTD Benefit provides a maximum monthly benefit of $2,400.

The plan calculates your LTD monthly benefit based on the contribution information on your record and your monthly pre-disability earnings.

The LTD monthly benefit payment amount may be reduced if you receive additional income from other sources. The plan will request yearly tax documents to confirm annual income.

If your LTD benefit, less any direct benefit reduction for WCB/WSIB benefits received, plus any income from any of the sources, exceeds 85% of your average gross monthly pre-disability earnings, the LTD benefit will be reduced accordingly.

Is Long Term Disability (LTD) a taxable benefit?

The plan's LTD benefit payments paid to you are taxable income under the Income Tax Act, Canada.

Each year the plan will report to Canada Revenue Agency the total disability income paid in the prior taxation year (including Weekly Indemnity and LTD benefit payments).

You will receive the plan’s T4A slip no later than the end of February of each year for the prior taxation year.

When will my Long Term Disability (LTD) Benefit terminate?

LTD benefit payments will continue to be paid to you for as long as you remain totally disabled and eligible for LTD based on the rules of the plan, but not beyond the earliest of:

  • The date you attain age 65; or
  • The date you cease to be totally disabled; or
  • The date you receive a pension benefit from the Boilermakers’ National Pension Plan (Canada).

How do I apply for the Long Term Disability (LTD) Benefit?

You must complete and submit the plan’s application for LTD benefits.

Click here to view the application form or contact the Plan Administration Office.

What is the deadline for filing a Long Term Disability (LTD) Claim?

You must submit a complete claim form and proof of continuous Total Disability within 12 months of the date of disability.

The plan will not accept claim forms or initial proof of disability beyond this period.

Will I be required to provide additional information during the period of my Long Term Disability (LTD) claim?

You will be asked for additional information during the course of your LTD claim, including, but not limited to, your annual Notice of Assessment (NOA), and Annual Physician Report. If this information is not provided or is not sufficient, your claim could be terminated or suspended.


Special Disability Benefit

What is the Special Disability benefit (SDB)?

The SDB is for plan members who are retiring early due to a chronic disability.

How do I qualify for the Special Disability Benefit (SDB)?

To qualify for this benefit, you must provide confirmation from a medical doctor that says you are totally disabled and unable to ever return to work as a Boilermaker and/or similar trade work.

You must be eligible and covered as an active member on the date of application and the date the SDB payments commences.

When does my Special Disability Benefit (SDB) commence?

The SDB commences on the same date that you commence a pension from the Boilermakers’ National Pension Plan (Canada)

How do I apply for the Special Disability Benefit (SDB)?

You must complete and submit the plan’s application form and attending physician’s statement.

Click here for the application form.

Click here for the attending physician's statement. Part 1 is completed by yourself and Part 2 is completed by your medical doctor.

Once complete, send all required documents to the plan administration office.

Do I have to continue my coverage under the Boilermakers National health and welfare plan?

You must enroll in the early retiree pay direct program immediately upon acceptance of the SDB and make the applicable payment.

The pay direct amount and benefits coverage are subject to change.

If I qualify for the Special Disability Benefit (SDB), how much will I receive?

If approved, the plan will pay an SDB payment up to a maximum of $1,000 per month

How is my Special Disability Benefit (SDB) calculated?

The maximum SDB is the lesser of:

  • $1,000 per month, and
  • the difference between the plan member’s pension from the Boilermakers’ National Pension Plan (Canada) expressed in the Normal Form payable at age 65, and the pension calculated at the member’s early retirement date.

When does my Special Disability Benefit (SDB) terminate?

The SDB will be terminated on the earliest of:

  • When the plan member reaches age 65 (first day of the month following);
  • The date the plan member does not make the necessary pay direct payment on a timely basis;.
  • The date the plan member does not provide the Canada Revenue Agency Notice of Assessment or other documentation required to administer the SDB;
  • The date the plan member returns to work in any employment and has not reported the return to work and/or returns to work in the Boilermaker trade-related employment;
  • The date the plan member’s membership in the IBB is terminated;
  • The date it is reasonably determined that an application and/or SDB payment is inconsistent with the purpose and intent of this benefit.


Employee Assistance Program

Who can I call for confidential counselling?

Call FSEAP (Family Services Employee Assistance Program) at 1-800-990-1113

Click here to learn more about what FSEAP offers.


Pension Benefits

What is a target defined benefit pension plan?

Members' pensions are calculated based on a set formula.

The main purpose of our plan is providing a predictable and secure form of lifetime monthly pension income.

Our plan allows members to plan for their future retirement since you will know approximately how much pension income you will receive at your retirement date

More information is here (link to the legislative update FAQ)

When can I retire?

Normal retirement is age 65 years. This is when you are entitled to a full pension.

You can retire anytime between 55 and 71 years old. Early pensions are reduced since the Plan expects to pay your pension for a longer period of time than it would if you retired at age 65.

I am ready to retire

Call or e-mail the Plan Administration Office to receive an application form and your personalized options.

How much am I entitled to if I want to retire?

Click here to be directed to the pension section. Then, click on "Pension Forecasting Calculator".

What if I die before I retire from the pension plan?

If you die before retirement (and you have not already withdrawn your pension due to terminal illness), your beneficiary will receive a death benefit from the Plan.

The death benefit will be paid as a lump sum amount equal to the value of your accrued monthly pension at the date of your death. This lump sum value is calculated considering your age and the prescribed interest rate in effect at that time.


Pension Plan Funding

What is the actuarial funded ratio for 2017?

The Plan was 102% funded

What is the current pension plan accrual rate?

As of February 2019:

  • Alberta: 13.34%
  • New Brunswick, Nova Scotia, Ontario and Prince Edward Island: 13.86%
  • Newfoundland and Labrador: 14.41%
  • Manitoba and Saskatchewan: 12.77%

Where is the pension plan registered?

Alberta

What are the investment management fees going towards?

Professional services required to manage and administer the fund.

What is the pension plan’s asset mix?

The biggest factor in pension fund returns.

Our asset mix is a combination of stocks and bonds and alternatives investments such as real estate and infrastructure

  • 25% Alternatives
  • 22% Canadian Equities
  • 25% Non-Canadian Equities
  • 27.5% Canadian Fixed Income

Where can I read the latest members’ investment report?

Click here to be directed to the News & Education section. Then, click on “Member Investment Report” under the Recent Publications heading.

Is your pension question not here? Click here to be directed to more detailed pension frequently asked questions.