Information on Member Accounts & Fund Administration

HOW ARE CONTRIBUTIONS CREDITED TO THE MEMBER ACCOUNTS?

  • Contributions to the Health and Welfare Fund 
  • Equal Treatment of Members and Contributions 
  • Individual Health and Welfare Accounts
  • Deductions from Individual Accounts
  • Individual Account Contribution Limits
  • Health Spending Accounts
  • Terminated Memberís Accounts

HOW IS THE TRUST FUND AND BENEFIT PLAN ADMINISTERED?

  • Health and Welfare Trust Fund and Trust Agreement
  • Plan of Benefits

WHAT ARE THE BENEFITS, DEDUCTIONS, PREMIUMS AND ADMINISTRATION SERVICE CHARGES?

  • Annual Review of Benefits, Premiums and Costs
  • Composite Premiums
  • Benefit Levels
  • Plan Year
  • Calendar Year
  • Account Report

WHAT DO YOU DO IF YOU WANT FURTHER INFORMATION ON YOUR BENEFITS?

  • Membership Inquiries
  • Appeal Process
  • Access to Individual Account Information
HOW ARE CONTRIBUTIONS CREDITED TO THE MEMBER ACCOUNTS?

Contributions to the Health and Welfare Fund

The Benefit Plan is funded first from the contributions remitted by Producers who employ the Members of I.A.T.S.E. Local 667 and Local 669. These contributions are remitted based on a percentage of earnings, cents per hour, or dollar per day basis as set out in the various Collective Agreements and Participation Agreements of the Unions. The Producers remit the contributions directly to the Health and Welfare Fund via the Local Union Offices.

Contributions paid directly by Union Members to the Health and Welfare Trust Fund into their own individual Health and Welfare accounts will be accepted by the Trust Fund within certain guidelines. These Members may exercise the Benefit Plan voluntary options available to them as outlined in this booklet.

All contributions to the Health and Welfare Fund do not form a part of, and in no way are connected to, the Union dues or the assets of the Local Unions.

Equal Treatment of Members and Contributions

All members will be treated equally regarding Plan eligibility.

That is, contributions will be required as provided under the Collective Agreements and Participation Agreements of the Local Unions. Also, the benefit coverage will be provided on the same basis for all Members based on the contributions received on their behalf or from the Members directly.

Individual Health and Welfare Accounts

Each Member will have an individual Health and Welfare account. The starting date for each individualís account is effective when the person becomes a Member "in good standing" of I.A.T.S.E., Local 667 or Local 669, (or January 1, 1989, if earlier).

Contributions received from Producers under the Collective Agreements and Participation Agreements are credited to each Member's account as they are received, subject to the limitations in this booklet. For example, contributions for time before the individual becomes a Plan Member are credited at the end of the Plan Year when Plan Membership begins.

Once contributions are credited to the Members' accounts, they will only be used to pay the premiums, benefits and costs as shown in this booklet.

Deductions from Individual Accounts

A deduction will be taken from a Member's account each month the Member receives coverage for benefits under this Plan. Each deduction will be the benefit premium for the coverage plus the administration service charges as determined by the Trustees. Membersí accounts will also be reduced by any transfers to a Health Spending Benefit.

Contributions remitted by Producers during any given calendar year will be credited to a new accumulating individual Member's account balance. That is, deductions for benefit premiums and any administration service charges for the current Plan Year will not be taken from contributions received in that year.

Benefit levels could vary from Member to Member and year to year depending upon how much money is available in each Member's individual Health and Welfare account to pay for the benefit costs.

Individual Account Contribution Limits

Each Memberís account balance will be allowed to accumulate to a contribution limit of thirty-six (36) months of benefit coverage costs as determined at the beginning of each Plan Year with up to an additional twelve (12) months contributions to the Health Spending Benefit, for that year, subject to any Insurance Company restrictions.

Thus, contributions in an account that are in excess of forty-eight (48) months of maximum benefit coverage costs will be allocated to the Health and Welfare Trust Fund reserves.

Health Spending Benefits

Members whose individual Health and Welfare accounts exceed thirty-six (36) months of maximum benefit coverage costs will have up to twelve (12) months of maximum benefit coverage costs allocated to a Health Spending Benefit at the beginning of each Plan Year.

Any Health Spending Benefit that is not used to pay benefits incurred in the twenty-four (24) months after the dollar amounts are transferred to the Health Spending Benefits, are allocated to the Health and Welfare Trust Fund reserves. This is a requirement under The Income Tax Act.

Any Health Spending Benefit amounts not used to pay benefits before a Memberís benefit coverage is terminated under the Plan will be allocated to the Health and Welfare Trust Fund reserves.

Terminated Members' Accounts

Each individualís Health & Welfare account will be maintained in trust for 12 months following the date of Union membership termination. This account will not be used to provide any benefit coverage in those 12 months.

At the end of this 12 month grace period all account monies, including the Health Spending Benefit monies, will be transferred to the Trust Fund reserves and become the property of the Trust Fund. Under no circumstances will the monies transferred to the Trust Fund reserves be credited back to the terminated person's account should that person fail to rejoin or reactivate Membership in I.A.T.S.E., Local 667 or Local 669 within the 12 months grace period.


HOW IS THE TRUST FUND AND BENEFIT PLAN ADMINISTERED?

Health and Welfare Trust Fund and Trust Agreement

I.A.T.S.E., Local 667 and Local 669 have established the Health and Welfare Trust Fund for the provision of certain benefits for their Members.

The Health and Welfare Trust Fund was established through a Trust Agreement between I.A.T.S.E., Local 667 and Local 669 and the designated Trustees.

The Health and Welfare Trust Fund and the Benefit Plan are administered by a Board of Trustees consisting of eight (8) Trustees. Local 667 appoints four (4) Trustees and Local 669 appoints four (4) Trustees.

Plan of Benefits

The Plan includes the qualifications, rules, regulations, procedures and contractual arrangements with Insurance Companies and other Companies as established and amended from time to time by the Board of Trustees for the payment or provision of benefits from the Trust Fund. These rules and regulations are described in this booklet.


WHAT ARE THE BENEFITS, DEDUCTIONS, PREMIUMS AND ADMINISTRATION SERVICE CHARGES?

Annual Review of Benefits, Premiums and Costs

The Trustees will undertake an annual review of all benefit coverage levels and costs.

At the beginning of each Plan Year, the Trustees may adjust any of the benefits and/or any of the costs or premiums charged to the Membersí individual Health and Welfare accounts for any specific benefit coverage.

The premiums and costs charged to the individual Health and Welfare accounts and to the Health and Welfare Trust Fund reserve may include overhead administration service costs for the operation of the Health and Welfare Trust and Plan. The administration charges will be reviewed by the Trustees on an annual basis.

Composite Premiums

"Composite" premiums or benefit costs including any administration service charges, will be established annually at the beginning of each Plan Year so that Members with and without spouses and/or dependent children will have the same premium or cost amounts deducted from their accounts and paid on their behalf.

Benefit Levels

Effective April 1, 2007, the Board established four Benefit Levels. The monthly deductions, premiums and administration service charges are from April 1 to March 31 each year.

Plan Year

Plan Year means the 12 consecutive months from April 1 of one year and ending March 31 of the following year.

Calendar Year

Calendar year means the 12 consecutive months from January 1 of one year and ending December 31 of the same year.

Account Report

Each year when a Member is advised of his/her new Benefit Level, by mail to his/her last known address, the Plan Administrator will provide the Member with an annual individual Health and Welfare account report.

Each year when the Member receives his/her annual individual Health and Welfare account report, the Plan Administrator will notify the Member of the voluntary Plan options available. These options are described in this booklet.

Qualifying Members may contact Great-West Life directly for the balance of his/her Health Spending Benefit and information on the claims that have been paid from the account.


DO YOU DO IF YOU WANT FURTHER INFORMATION ON YOUR BENEFITS?

Membership Inquiries

The Local Union offices will be able to answer many of the Memberís questions about the Plan, the Memberís individual Health and Welfare accounts, qualification requirements and regulations of the Plan.

Great-West Life, Blue Cross Life Insurance Company of Canada and, Family Services will directly answer Membersí questions regarding specific eligibility for benefit coverage.

Appeal Process

Great-West Life, Blue Cross Life Insurance Company of Canada and Family Services (or any other applicable company), the Trustees, the Plan Administrator or the Union Office will make decisions regarding a Members' eligibility for benefits under this Plan. However any Member of I.A.T.S.E., Local 667 or Local 669 may appeal any decision of the Health and Welfare Trustees and/or the Plan Administrator and/or the Union Office, where applicable, by applying in writing to the Trustees within thirty (30) days of notification of the original decision.

The Board of Trustees will consider any such appeal within thirty (30) days of receiving a notice of the appeal in writing.

Access to Individual Account Information

The Board of Trustees have established a policy for access to Health and Welfare account information.

The office staff of each Local Union Office will have confidential access to all Health and Welfare account information.

The Presidents and Business Managers of I.A.T.S.E., Local 667 or Local 669 will have confidential access to all Health and Welfare individual account information of their respective Local Unions.

The Local Unions are directed by the Trustees to disclose the individual Health and Welfare account information only to the Plan Member requesting information on his/her own account (not to spouses, dependents, or a representative of the Member, unless the Member authorizes permission in writing to the Plan Administrator to disclose such information).
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