Summary of Benefits

When you join us, this is what you get!

Active Members (have not drawn their Local 303 pension)

Member Life Insurance	To age 65 or earlier retirement: $40,000 if not retired at age 65, life insurance reduces to $10,000; and if not retired at age 70, life insurance reduces to $5,000
Accidental Death and Dismemberment	To age 65 or earlier retirement: $40,000
Dependent Life	Spouse: $10,000 Child from 14 days to age 21 (age 25 if full-time student): $5,000
Weekly Disability	$435 per week Benefits are integrated with the Employment Insurance Sickness Benefits and are payable to you from: the 1st day if your disability is due to an accidental injury the 1st day if you are hospitalized the 8th day if your disability is due to an illness Benefits are payable for a maximum of 26 weeks and terminate at retirement.
Long Term Disability	$1,400 per month Benefits are payable to you following a 26 week waiting period and would not be payable beyond age 65 or earlier retirement.
Major Medical	Provides coverage for you and your eligible dependents Eligible expenses are reimbursed at 100% The Lifetime maximum per person is $500,000
Prescription Drugs	The plan pays for drugs that legally require a prescription
Vision Care	The plan pays $300 per person in any period of 24 consecutive months
Eye Exams	The plan pays $50 per person in any period of 24 consecutive months
Paramedical Practitioners	Coverage of a certified, registered or licensed physiotherapist, speech therapist, osteopath, chiropractor, podiatrist, massage therapist or clinical psychologist, subject to a maximum benefit of $500 in any calendar year per specialty per insured individual.
Private Duty Nursing	The plan pays $10,000 per calendar year
Hearing Aids	The plan pays $350 per person in any period of 24 consecutive months
Dental Care	Provides coverage for you and your eligible dependents There is a deductible of $50 single or family in a calendar year A pre-assessment is required for any treatment over $400 Eligible expenses are reimbursed based on the Ontario Dental Association fee guide that is 1 year behind the current fee schedule.
Basic Services	The plan reimburses 100% of eligible expenses for basic (routine) services
Major Restorative	The plan reimburses 80% of eligible expenses for major restorative services
Orthodontics	The plan reimburses 50% of eligible expenses for dependent children between the ages of 6 and 19.
Maximum	The maximum payable in a calendar year for basic and major restorative services combined is $2,000 per insured individual. There is a Lifetime Maximum of $2,000 per child for Orthodontics
Emergency Travel Assist (ETA)	You are covered for a period of 90 days when traveling outside your province of residence. Coverage terminates at age 70 or earlier retirement.

For more information, members can go to www.unionbenefits.ca