General Information

SUMMARY OF BENEFITS INFORMATION

• Benefit Summary
• Plan Members Who Reside Outside Canada

I. MEMBER AND DEPENDENT ELIGIBILITY

• Am I eligible for benefit coverage?
• Which of my family members are eligible for benefit coverage?
• When is the benefit coverage terminated?
• How is the coverage continued?
• When is the benefit coverage reinstated?
• What happens if I am no longer eligible for benefit coverage? 

II. CLAIMING EXPENSES

• When do I make a claim?
• How do I make a claim?

III. BENEFIT UPGRADES, BENEFICIARIES & CLAIMS MISREPRESENTATION

• Can I voluntarily participate in a higher benefit level?
• Can I appoint anyone as my beneficiary? 
• Fraud & misrepresentation

IV. INFORMATION ON MEMBER ACCOUNTS & FUND ADMINISTRATION

• How are contributions credited to the member account? 
• How is the trust fund and benefit plan administered?  
• What are the benefits, deductions, premiums and administration service charges?
• What do you do if you want further information of your benefits?