|Benefit Amount||$75,000 (Member only)|
|Principal Amount||$100,000 (Member only)|
|Maximum Benefit Amount||$2,400 per month.|
|Taxes||Benefit is taxable.|
|Qualifying Period||26 continuous weeks of total disability. Where applicable LTD benefits will commence after the expiry of the WI benefit.|
|Benefit Duration||Maximum to age 65.|
|Maximum Benefit Amount||$562 per week for disabilities occurring on/after January 1, 2019. WI disability benefit amounts mirror the current EI maximum benefit each year.|
|Taxes||Benefit is taxable.|
|Qualifying Period||1st day of accident, after 24 hours of hospitalization/accident or 8th day of illness.|
|Benefit Duration||Maximum of 26 weeks. Benefit is integrated with EI.|
|Maximum Benefit Amount||$1,000 per month.|
|Eligibility Criteria||Under age 65, ready to retire from the Boilermakers' trade due to a permanent disability. Member must be in good standing with the IBB throughout duration of the special disability benefit. Recipients must enroll in the Early Retiree Health Benefit Plan.|
|Reimbursement||100% for Basic and Major expenses, 60% for orthodontics.|
|Maximums||$2,500 per person each calendar year for Basic and Major expenses. $2,000 lifetime maximum for orthodontics.|
|Coverage Notes||Dental implant coverage may be reimbursed at the equivalent cost of a bridge or partial denture. Orthodontic coverage is for dependant children 19 years of age or younger. Members should submit a pre-determination of benefits form to the Plan for services over $500 and orthodontics.|
|Reimbursement||100% of most eligible expenses subject to maximums and limits; prescription drugs are reimbursed at the lower of the brand name or generic drug ingredient cost. If no generic drug is available, the Plan will pay 100% of the brand name drug ingredient cost.|
Chiropractor, Speech Therapist, Osteopath, Naturopath, Homeopath, and Podiatrist – Expenses are reimbursed at 100%, up to a maximum of $300 annually, per practitioner.
Acupuncture and Massage Therapy – Expenses are reimbursed at 50%, up to a maximum of $300 annually.
Certified Athletic Therapist, Physiotherapist and Occupational Therapist – Expenses are reimbursed at 100%, up to a maximum of $75 per treatment and $5,000 annually.
Psychologist – Expenses are reimbursed up to a maximum of $2,000 annually, and up to a maximum of $200 per hour. Please consider using the Plan's member assistance program for free private counselling.
|Prescription Drugs||Reimbursement (as described above) for drugs which by law require the written prescription of a physician. Includes oral contraceptives, fertility drugs ($2,500 per family), diabetic supplies, smoking cessation (100% for 1st course of treatment up to $400, 50% for 2nd course of treatment up to $200), erectile dysfunction ($400 per calendar year), anaesthesia, vaccinations and immunizations (subject to individual maximums). Over the counter drugs, vitamins or minerals are not covered. Medical cannabis including derivates is not covered.|
|Deductible||Nil. Maximum dispensing fee of $9.50 per prescription.|
|Vision Care|| |
Member Benefit Amount: Lenses – $800 per 24 months; Frames – $150 per 24 months.
Laser Eye Surgery – $1,750 lifetime maximum (member only).
Industrial Safety Glasses – $400 per 12 months with a prescription (member only).
Dependant Benefit Amount: Lenses – $550 per 24 months; Frames – $150 per 24 months.
Contact Lenses – $250 per 24 months per person.
Basic or Retina Eye Exam – One exam per calendar year (when not covered by the provincial government plan).
|Ambulance||Reimbursement for land ambulance services when used to transport to the nearest hospital. If ambulance services provided by air or rail, there is a $500 maximum per individual, per calendar year.|
|Accidental Dental||$5,000 per dental accident – work must commence within 12 months.|
|Hospital||The difference between ward room and semi-private hospital room. Rehabilitation hospital room allowance is $10 per day up to a maximum of 100 days of confinement per disability prior to age 65.|
|Medical Services and Supplies||Medical equipment and supplies, custom foot orthotics (maximum $400 per year) and orthopedic shoes (at 50%, maximum $400 per year), PSA tests, oxygen and oxygen supplies.|
|Hearing Aids||$1,500 per 48 month period.|
|Private Duty Nursing||Up to $10,000 per year.|
|Mobility Assistance Equipment Benefit||Member only reimbursement of 75% of the expenses associated with specific mobility equipment and its installation, subject to a lifetime maximum benefit of $5,000.|
|Age 65 Provincial Plan Benefit||$200 annual maximum benefit to reimburse the actual cost incurred to enroll in the individual's provincially sponsored health care/medical plan. Covers premium, deductibles and co-payments.|
|Travel Costs related to Medical Treatment||Reasonable expenses associated with travelling at least 100km to receive medically necessary treatment otherwise unavailable. 80% of such expenses are reimbursed for members or eligible dependants, subject to a lifetime family maximum benefit of $1,000. Includes accommodation, meal and gas/travel expenses.|
|Coverage||Emergency medical coverage and travel assistance services for Members and eligible dependants while travelling for periods of up to 90 days per trip. Must be in a condition of stable health prior to departure.|
|Coverage||Confidential counselling services providing crisis support, advice and information by telephone, face-to-face, or online. Tel# 1.866.990.1113, TTY: 1.888.234.0414, Website: myfseap.com. Please contact the Plan Administration Office for group name and password.|
|Contribution Amount||$350 per month dollar bank drawdown. Maximum dollar bank is $5,250. There are several options for pay direct and partial benefits. Drawdown and pay direct amounts are subject to change. Retail Sales Tax (RST) is added where applicable.|
* Not covered for members who have commenced receipt of a pension from the Boilermakers' National Pension Plan (Canada)
** Medical expenses must be medically necessary, reasonable and customary in the circumstances.