Employees: $100,000
Spouse: $20,000
Each Dependent Child: $5,000
or the maximum payment provided under EI*, whichever is greater
*not to exceed 85% of pre-disability earnings
Benefit Commences: 1st day for accident 4th day for illness
Maximum Duration: 52 weeks for any one Disability
Benefit Commences: after 52 weeks of continuous total disability
Maximum Duration: to age 65
90% reimbursement
$1,000,000 maximum per lifetime
$25 (Single) $50 (Family) calendar year deductible (applies only to drugs)
Out of Country – 100% reimbursement, 60 days max, $5 Million max
Terminates at age 75
100% reimbursement on Basic Services
100% reimbursement on Major Services
No deductible
$3,000 Dental maximum per family member per calendar year
Orthodontia 75% reimbursement, $3,000 maximum every 24 months per eligible child
Immediate, confidential help for any concern
1-800-268-5211 (English) or 1-800-363-3872 (French)
Eligible Retired members will be covered immediately following normal retirement age, provided a Group Insurance Enrollment Card has been completed and submitted to the Administrator and all other requirements are met.
Retirement Considerations Member Guide
To set up your claims payments to be directly deposited into your bank account, click here
Effective Hours Worked May 1, 2022: QCCC Members in good standing with one of the Affiliated Unions listed in the Quality Control Council of Canada Agreement must accumulate 180 hours of work within a 12-month period. Coverage will commence on the 1st day of the month following the month (lag) in which sufficient hours are reported and paid to the Plan by their employer(s).
Example:
HOURS WORKED
| MONTH | MEMBER A | MEMBER B | MEMBER C |
|---|---|---|---|
| May | 50 hours | 120 hours | 200 hours |
| June | 70 hours | 150 hours | lag |
| July | 45 hours | lag | qualified |
| August | 100 hours | qualified | |
| September | lag | ||
| October | qualified |
90 hours will be withdrawn each month from the Member’s Hour Bank. A maximum of six months coverage (540 hours) can be accumulated in the Hour Bank, which will be drawn upon during a period of low employment, lengthy illness or extended vacation.
Upon qualifying for coverage, the Member will be provided with the required enrolment forms to complete and return to the Plan Administrator. Once these forms are completed and received by the Plan Administrator, the Member will be sent a pay-direct card (one for single coverage and two cards for dependent coverage – both will be in the Member’s name). Once coverage starts, it will continue as long as the Hour Bank contains sufficient hours for the monthly 90-hour charge.
If a lapse in coverage occurs, the Member must requalify with 180 hours. If a Member is found to be no longer in good standing of the QCCC – in particular, if they are found to be performing QCCC scope work for a non-union employer, coverage will be suspended and hours accumulated in the Member’s Hour Bank may be forfeited.
Office Personnel who are full-time employees (30 hours per week) will be covered on the first day of the month following the date they become a permanent employee, provided they are actively at work on that day. If the coverage is not requested on the eligible effective date, or if application for coverage is not made within 31 days of that date, then any application for coverage will require submission of evidence of insurability. The Insurance Company will determine the effective date of coverage and, if approved, Dental benefits will be limited during the first 12 months of coverage to $250 with no coverage for Major Services during this period.
Probationary Employees
The Hour Bank will not accumulate hours on behalf of someone who is not yet initiated with a QCCC Affiliated Union Local/Lodge (Probationary Employees) until they become initiated. Should there be any difficulty in determination of a “Probationary Employee” please contact your regional QCCC office.
Employees absent from work on their effective date, with the exception of statutory holidays or paid vacations, will become effective on the date they return to active full-time work.
Temporary Foreign Workers are not eligible for any benefits under the Plan.
If an Employee becomes disabled, they must have been covered under the Plan benefits for at least three consecutive months immediately preceding the month in which the disability was incurred (disability month makes four months) or have had a minimum of 1,000 reported hours within the 12 months immediately preceding (not including the disability month).
Eligible dependents are:
Spouse: The legal spouse of the Employee, or, in absence of a legal spouse, the common-law spouse of the Employee.
*The cohabitation period required for a Common-Law Spouse is a minimum of a continuous 12-month period. Completion of the Common-Law Declaration form is required when adding a Common-Law Spouse, in addition to completing a new Benefit Plan Application for Enrolment and Beneficiary Designation form and a new Pension Plan Application for Enrolment and Beneficiary Designation.
Dependent Children: A person who is unmarried, dependent on an Insured Employee for financial support, and who is:
For immediate and confidential assistance for you and/or your family members, 24 / 7 / 365.
Please refer to the BOOKLET for this specific benefit.
It is recognized that there will be circumstances where counselling alone is not enough to properly deal with alcohol or chemical dependency. The cost of obtaining the proper assistance can be more than you or your family is able to afford. If you or a family member suffers from alcohol or chemical dependency, the Plan may be able to offer you assistance with the cost of treatment. Please contact the PLAN ADMINISTRATOR to determine if you meet the required eligibility for coverage.
For more information please refer to the S.A.R.A. Guide 2023