Local 183 Benefits General
For a pdf/book on all the benefits click the link below.
MEMBER LIFE INSURANCE
WHO’s ELIGIBLE
Eligible Active Members who meet the eligibility requirements of the Trust Fund and are under the age of 75.
THE BENEFITS
Life Maximum – $150,000
Interment Maximum – $10,000
SPOUSAL LIFE INSURANCE
WHO’s ELIGIBLE
Eligible Spouses who meet the eligibility requirements of the Trust Fund and are under the age of 75.
THE BENEFITS
Life Maximum – $20,000
DEPENDENT LIFE INSURANCE
WHO’s ELIGIBLE
Eligible Dependents who meet the eligibility requirements of the Trust Fund and are over the age of 14 days.
THE BENEFITS
Life Maximum – $10,000
SPECIAL NEEDS LIFE INSURANCE
WHO’s ELIGIBLE
Eligible Active Members who meet the eligibility requirements of the Trust Fund and are under the age of 75.
THE BENEFITS
Life Maximum – $100,000
ACCIDENTAL DEATH & DISMEMBERMENT
WHO’s ELIGIBLE
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund and are under the age of 70.
THE BENEFITS
Member – Up To $200,000
Spouse – Up To $60,000
Dependent Child Up To – $8,000
OCCUPATIONAL ACCIDENTAL DEATH & DISMEMBERMENT
WHO’s ELIGIBLE
Eligible Active Members who meet the eligibility requirements of the Trust Fund and are under the age of 70.
THE BENEFITS
Life Maximum – Up to $200,000
SHORT TERM DISABILITY
WHO’s ELIGIBLE
Eligible Active Members who meet the eligibility requirements of the Trust Fund and are under the age of 70.
THE BENEFITS
Member – Weekly Benefit Maximum of $500 payable from 1st day accident or hospitalization (minimum of 18 hours) or 8th day illness, disease or sickness (15 weeks Employment Insurance Sickness integrated) up to a maximum of 104 weeks.
LONG TERM DISABILITY
WHO’s ELIGIBLE
Eligible Active Members who meet the eligibility requirements of the Trust Fund and are under the age of 65.
THE BENEFITS
Member – Monthly Benefit Maximum of $1,000 (Years 1-5) or $600 (Years 6-10) payable after the waiting period of 104 weeks up to a maximum of 10 years, recovery, age 65, or death.
PERMANENT TOTAL DISABILITY
WHO’s ELIGIBLE
Eligible Active Members who meet the eligibility requirements of the Trust Fund and are under the age of 70.
THE BENEFITS
Life Maximum of $300,000 if continuously disabled for a period greater than 1 year as a result of an accident.
LONG TERM CARE
WHO’s ELIGIBLE
Eligible Active Members and eligible spouses who meet the eligibility requirements of the Trust Fund and are over the age of 18
THE BENEFITS
Life Maximum – $200,000
$50 per day indemnity benefit
$100 per day for eligible expenses
CRITICAL ILLNESS
WHO’s ELIGIBLE
Eligible Active Members and eligible spouses who meet the eligibility requirements of the Trust Fund and are under the age of 70.
THE BENEFITS
Benefit Maximum:
Member – $25,000
Spouse – $5,000
Survival Period of 30 days from the date of diagnosis
50 % of the above amount if over the age of 65
HOSPITAL CASH
WHO’s ELIGIBLE
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund and are under the age of 75.
THE BENEFITS
Benefit Maximum – $150 per day payable after three (3) consecutive days of hospitalization for a maximum hospital stay of 120 consecutive days. Benefits payable at 50% after the age of 70.
EXTENDED HEALTH CARE BENEFITS
WHO’s ELIGIBLE
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund.
THE BENEFITS
Life Maximum – $1,000,000 per insured individual
Paramedical Coverage
Orthopedic Coverage
Hearing Aid Coverage
Other Healthcare Coverages
PRESCRIPTION DRUG BENEFIT
WHO’s ELIGIBLE
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund.
THE BENEFITS
Prescription Drug Benefit Card reimbursed at 100%
$50,000 Lifetime Maximum on Opioids
VISION CARE
WHO’s ELIGIBLE
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund.
THE BENEFITS
Maximum combined benefit of $400 once every 24 months for one (1) set of eyeglasses (lenses/frames combined) or contact lenses including one (1) eye exam and $100 replacement lenses if as a result of a prescription change or damage.
Life Maximum of $1,000 for Corrective Laser Eye Surgery
Post Cataract Surgery – Intra-ocular Lens (IOL) Coverage
DENTAL CARE
WHO’s ELIGIBLE
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund.
THE BENEFITS
Annual Maximum – $3,000 per insured individual inclusive of all dental services
100% Routine Care / Complete Dentures / Partial Dentures / Crowns / Bridgework / Implants
60% Orthodontics – $2,500 life maximum (dependents under the age of 18)
2017 O.D.A. Fee Guide
BEST DOCTORS - SECOND MEDICAL OPINION BENEFIT
WHO’s ELIGIBLE
Eligible Active Members, eligible dependents, Parents & In-Laws who meet the eligibility requirements of the Trust Fund.
THE BENEFITS
Services for those with medical uncertainty from a prolonged or chronic illness or need a second opinion on a variety of health topics.
Best Doctors’ services help:
– Understand your medical condition
– Obtain an expert second opinion
– Navigate the health care system
– Find a specialist right for you
– Ensure the right diagnosis & treatment
183 QUIKCARE CONFIDENTIAL MENTAL WELLNESS
WHO’s ELIGIBLE
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund.
THE BENEFITS
Confidential Counselling for Mental Wellness allowing access to effective psychological treatment options designed to help with the following delivered virtually in the form of digital therapy sessions within the comfort and privacy of home.
Program provides rapid access to Cognitive Behavioral Therapy (CBT) with a psychologist for a wide range of psychological conditions including but not limited to:
.- Anxiety
– Addiction
– Depression
– Stress
– Substance Abuse
Contact QuikCare Confidential Helpline (24 hours/7 days) at 1-844-900-8357.
183 QUIKCARE PLATINUM PROGRAM – MRI / CT SCANS
WHO’s ELIGIBLE
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund.
THE BENEFITS
Expedited Healthcare Services allowing those who are placed on a medical waitlist, immediate access to diagnostic scans (MRI / CT Scans / Ultrasound) and expedited specialist consultations with the cost fully covered.
Diagnostic Scans
– Magnetic Resonance Imaging (MRI)
– Computed Tomography Scan (CT)
– Ultrasound
Specialists Covered
– Orthopedic
– Cardiologist
– Neurologist
– Gastroenterologist
– General Surgeon
– Ear, Nose & Throat (ENT)
– Ophthalmologist
– Urologist
– Rheumatologist
– Neurosurgeon
MORE INFORMATION
Contact QuikCare Platinum Helpline (24 hours/7 days) at 1-844-900-8357.
Contact the Administrative Agent for more information or download the informational brochure.
SPECIAL MEDICAL / HOSPITAL COVERAGE WHILE IN CANADA
WHO’s ELIGIBLE
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund and are under the age of 70.
THE BENEFITS
Life Maximum – $250,000 ($25,000 per occurrence) for Reasonable & Customary Hospital charges, fees, exams incurred in Canada while waiting for Provincial Health Plan coverage to become effective.
EMERGENCY OUT OF PROVINCE MEDICAL
WHO’s ELIGIBLE
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund and are under the age of 80.
THE BENEFITS
Life Maximum – Under age 70: $5,000,000
Life Maximum – Age 70 to 74: $1,000,000
Life Maximum – Age 75 to 80: $500,000
Period of Coverage – Maximum of 90 consecutive days per trip
BEREAVEMENT PAY
WHO’s ELIGIBLE
Eligible Active Members who meet the eligibility requirements of the Trust Fund.
THE BENEFITS
Benefit Maximum – $250 per day for a maximum of 3 consecutive business days for the loss of eligible family members.
PARENTAL LEAVE
WHO’s ELIGIBLE
Eligible Active Members who meet the eligibility requirements of the Trust Fund.
THE BENEFITS
Benefit Maximum – $250 per day for a maximum of 3 consecutive business days for the birth of your child.
JURY DUTY
WHO’s ELIGIBLE
Eligible Active Members who meet the eligibility requirements of the Trust Fund.
THE BENEFITS
Benefit Maximum – $200 per day for a maximum of 100 days for interruption of employment for Jury Duty.
REGISTERED EDUCATION SAVINGS PLAN (RESP)
WHO’s ELIGIBLE
Eligible Active Members who meet the eligibility requirements of the Trust Fund.
THE BENEFITS
Life Benefit Contribution – $500 made payable to a RESP account on behalf of Member to their child or grandchild (affidavit required) born on or after January 1, 2017.
MEMBER FAMILY ASSISTANCE PLAN
WHO’s ELIGIBLE
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund.
THE BENEFITS
Confidential Counselling Services.
DISABILITY MANAGEMENT SERVICES
Illness and injury can happen to us all – whether at home or at work. When you become sick or injured and are unable to work, you may be eligible to receive benefits to cover your loss of earnings.
The Disability Management Services team at LIUNA Local 183 is available to assist you when you are medically unable to work. Disability Management Services will work with you to determine whether you should be making a claim for Weekly Disability Benefits through the Members’ Benefit Plan, Loss of Earning Benefits offered by the Workplace Safety & Insurance Board (WSIB), and/or Employment Insurance Benefits. They will help you in completing the necessary paperwork and assist you in the process so you can focus on treatment and recovery. Disability Management Services will work with you in ensuring you obtain appropriate treatment and care while ensuring income replacement benefits are provided during your medically-supported absence from work. Should your absence be long-term, Disability Management Services will assist you in applying for CPP Disability Benefits and/or Long-Term Disability Benefits.
The Disability Management Services team is made up of professionals with medical, claims, and legal backgrounds who will work with you towards a successful return to health. Disability Management Services will protect your privacy and will not share with anyone any details surrounding your confidential medical condition.
If you become disabled and are unable to work, or if your work is being affected by a medical condition, please contact Disability Management Services at [416-240-2104] or [1-866-315-6011]. You can also send us an email at 183disability@homewoodhealth.com. The Disability Management Services staff are able to offer their services in English, Portuguese, Spanish, and Italian.
