Regarding the funds in my individual health & welfare account, can I claim these monies?

Your Health & Welfare Benefits are provided through contributions which signatory productions make on your behalf when you work under an I.A.T.S.E. Local 667 or Local 669 contract. These contributions are remitted directly to the Local Union offices and are not taxable income to you. As a result in compliance with Revenue Canada and the Income Tax Act, these funds are maintained in a Trust Fund solely to purchase qualifying benefits and cannot be distributed beyond the scope of those benefits outlined in the Trust Document and in compliance with the Income Tax Act.

Does our benefit plan have a Weekly Disability Benefit?

A modest Weekly Disability Benefit will be available to qualifying members effective October 1, 2000.

Does our benefit plan have a Long Term Disability Benefit?

Local 667 and Local 669 have negotiated a group discount with Paul Revere Insurance for Long Term Disability available to Local 667 & Local 669 members on a voluntary individual basis. This program is not part of the I.A.T.S.E., Local 667/669 Health & Welfare Benefits. For further information you can contact:

Jeremy Tabarrok
Scotia McLeod Financial
(T) 416-945-4660
(E)
Au Quebec CSST: 1-866-302-2778

Should I purchase additional travel insurance when I am traveling?

If you qualify for Benefit Levels 02, 03, or 04, your Benefit Plan provides protection against the cost of emergency medical care. You can contact Global Medical Assistance at, 1-800-527-0218, Great-West Life at, 1-855-729-1839 or your Plan Administrator or Benefit Co-ordinator for complete details about your out-of-country emergency care benefit. Details of the program are also provided on this web site or in your GWL Member Benefit Booklet. Please reference Global Medical Assistance Program in the Healthcare section of the booklet.

Your health care benefit through the I.A.T.S.E., Local 667/669 Health & Welfare Benefit Plan provides financial protection against the cost of emergency medical care only, incurred while travelling outside your home province. However, depending upon the state of your health and the nature and length of your travel, there may be times when you may need additional coverage. Should this be the case, you can purchase individual travel insurance through several independent suppliers and/or associations at your own expense. Some credit cards, bank accounts, automobile associations etc. to which you may belong, may also provide travel insurance.

Call your local provincial health plan office and make arrangements to receive continued coverage if you are travelling beyond the allowable provincial requirement. Ask them for a current brochure on the expenses they will pay if you are in another province or out of country.

Does our Benefit Plan cover custom-made orthotics?

If you qualify for Benefit Levels 02, 03, or 04, you may be eligible to claim custom-made orthotics. Please note, your custom-made orthotics must be prescribed by a licensed podiatrist, chiropodist, chiropractor, or physician; limited to a maximum of $450 per individual every two plan years.

Custom Fitted Orthopaedic Shoes when attached to and form part of a splint included (reasonable & customary charges) when prescribed per individual every plan year.

Custom Fitted Orthopaedic Shoes when not attached to or forming part of a splint, to a maximum of $300 per individual every plan year.

Custom-made Foot Orthotics when prescribed to a maximum of $450 per individual every 2 plan years.

NOTE: When you purchase custom-made orthotics, shoes, appliances and/or devices, they must be purchased through a supplier who has a specialty in orthotics, as they are a custom fitted and manufactured item. Please contact Great-West Life prior to purchasing your orthotics to ensure your prescription and the place where it is filled meets the necessary requirements.

What type of massage therapy is covered?

Not all types of massage are covered as per Revenue Canada requirements. Massage therapy must be performed by a Registered Massage Therapist (RMT). Please ensure your therapist is an RMT prior to submitting claims. If in doubt, please contact the Great-West Life Claims Office.

What is the dental fee guide?

With the exception of Alberta, each provincial Dental Association annually establish a Dental Fee Guide which is used as a basis for determining dental costs. Our plan ensures that the most current Dental Fee Guide which is available becomes the basis for our claims payments. The Alberta Dental Association (ADA) published its last dental fee guide in 1997. The insurance industry and the ADA have worked together to develop a new Insurance Industry Reimbursement Guide that reflects current reasonable and customary fees.

I live in British Columbia and understand that some of our benefits are subject to 'user fees'. How does this affect my claims with the I.A.T.S.E., Local 667/669 Health & Welfare Benefit Plan?

The I.A.T.S.E., Local 667/669 Benefit Plan must conform to policies established by Revenue Canada and the legislation governing in each Province. In the case of British Columbia, user fees for some paramedical practitioners are in effect. Currently this means, our plan can only pay for the user fee portion of your paramedical expense. For example, if you visit a chiropractor, for the first 12 visits, you can only claim the $10 per visit user fee. Once you have exceeded the first 12 visits, qualifying members can claim the full amount to the maximum as outlined in the schedule of benefits for qualifying paramedical practitioners.

Why did I receive a drug card in my name and none with my children(s) name on them?

You and your eligible dependents are enrolled in the drug card program under your name, as you are the member of the plan. When your child requires a prescription to be filled by a pharmacist, the pharmacy will have all the information they need to process your childs, providing you have properly enrolled them at the I.A.T.S.E., Local 667/669 Health & Welfare Office.

Does our dental plan cover white fillings and white crowns?

The Dental Care Benefit will only cover white fillings on the front teeth. The molars (upper and lower) will be paid up to the cost of amalgam. You will be responsible for the difference in price between the white filling and the amalgam cost plus the co-insurance amount which is applicable to your benefit level. The same rules will apply to white crowns, however, please make sure your dental office sends in a predetermination form to Great-West Life prior to commencing any dental procedure. In the event you do not have a predetermination form completed and sent to Great-West Life, the expenses reimbursed may be much lower than you expected or not reimbursed at all. Based on the predetermination form, Great-West Life will advise you what will be eligible for payment from your Dental Care Benefit. Please note, major dental coverage is only available to Benefit Level 04 at 60% co-insurance.

How does Co-Insurance work?

The co-insurance is the percentage portion of your claim payable by the insurance company. For example:

a) If you are enrolled in Benefit Level 02, your co-insurance on dental expenses is 50% and you can claim to a maximum of $1,000 annually. If you submit a dental bill for $1,000 then the payable will be $500. providing your dental expenses qualify. If you submit a dental bill for $2,000, the amount payable will be $1,000. providing your dental expenses qualify.

b) If you are enrolled in Benefit Level 03, your co-insurance on dental expenses is 80% and you can claim to a maximum of $1,500 annually. If you submit a dental bill for $1,500 then the payable will be $1,200 providing your dental expenses qualify. If you submit a dental bill for $2,000, the amount payable will be $1,500 providing your dental expenses qualify