The Member Life Insurance Benefit is underwritten by Manulife Financial.

Payment on Death

Coverage During Disability

Conversion Option

Payment on Death:

In the event that you die from any cause while insured, your Member life insurance benefit is payable to your beneficiary if living, otherwise to your estate. You may change your beneficiary at any time subject to provincial law.

Coverage During Disability:

If you become Totally and Permanently Disabled while covered, before you reach age 65, and you remain so disabled for at least 6 continuous months, then the full amount of your Life Insurance that you were covered for at the time you became so disabled, will be continued without further premium charges provided:

- you apply for and are approved for the waiver of premium by Manulife, and,

- the initial proof of your disability is provided to Manulife within 12 months of the start of the disability period.

Your Life Insurance waiver of premium will continue as long as you remain Totally and Permanently disabled up to your 65th birthday. The Life Insurance amount will be reduced or terminated as indicated in the Schedule of Benefits.

Manulife may ask for continued proof of your disability.

"Totally and Permanently Disabled" means that solely because of an illness or accidental injury, you are and will continue to be unable to engage in any occupation for which you are, or may reasonably become, qualified by education, training or experience.

Conversion Option:

If, for any reason, your life insurance or any part of the insurance terminates, the terminated amount (up to a maximum of $200,000) may be converted to an individual life insurance plan offered by Manulife.

- no evidence of insurability is required

- the amount may not be greater than the amount of coverage you were covered for under this Plan at the time of termination (less any age related reductions).

The eligibility requirements, the type of policy, and the amount of coverage that you may convert are described in the policy documents issued to the Board of Trustees.

Written application and first month’s premium payment for an individual policy must be received by Manulife within 31 days of termination of your group Life Insurance coverage.

Your Plan Administrator or Manulife can be contacted for details.

Conversion applications may be obtained through your Union Office of Health & Welfare Administration Office.