We’re committed to building healthy futures.
LiUNAcare Local 183 is committed to promoting a healthy future for you and your eligible dependents. As a member of LiUNA Local 183, you may have access to valuable benefits funded by contributions your employer has made on your behalf.
LiUNAcare Local 183 is here to support you and your eligible dependents with a broad range of benefits. Be sure you and your eligible dependents are registered and you meet the eligibility requirements, and you’ll be all set to take advantage of what we offer.
Our promise to provide best-in-class and industry-leading benefits hasn’t changed, but the way in which we deliver on that promise has.
We are always looking for new and improved ways to deliver exceptional benefits in the most efficient way possible. Member Health Management Services and LiUNAcare Local 183 eClaims are just two of the enhancements we’ve recently added to serve you better.
Learn how we can support you
Should your coverage terminate because you are unemployed and have recall rights you will be given the option to continue your coverage by making self-payments to the Industrial Benefit Fund on the following basis:
• Monthly payments in the amount equal to the cost of the benefits.
• You have the option to make self-payments for a maximum of 12 consecutive months provided you remain a Member in Good Standing with LiUNA Local 183.
• You are entitled to the same benefits you enjoyed while you were employed with the exception of Short-Term Disability Benefits.
• Self-payments must be made within 31 days of the termination of your coverage and must be made on a continuous basis. Retroactive self-payments will not be accepted.
• Your Union Dues with LiUNA Local 183 must be maintained and in a current status.
You can now make payments online through your financial institution. It’s as simple as paying a bill from the comfort of your home.Please allow 48 hours to process your payment.
- Log into your online banking institution.
- Navigate to “Pay Bills” page.
- Select “Add Payee” and search for Local 183 Industrial Benefit Fund and “Select”.
- Under Account Number, include your full Benefit Card Number as displayed on your Member Advantage Photo Card.
- Select “Pay this Payee” and make your monthly benefit payment as listed on your friendly reminder notice.
- You will receive a confirmation number when payment is made. Please keep this number for your reference.
Alternately, cheques should be made payable to “Labourers’ Local 183 Industrial Benefit Fund” and mailed to:
200 Labourers Way
Suite 2100
Vaughan, ON, L4H 5H9
You should be sure to print your name and Union ID Number on the back of your cheque to ensure that your account is properly credited.
If you choose to pay directly, as provided for above, it is your responsibility to contact the Administrative Agent and make the necessary payments by the 15th of each month. Coverage is terminated if you fail to make the necessary payments on time.
It is absolutely essential that you complete an Application/Enrollment Card, which you can obtain from your Administrative Agent or here. On this card, you name the beneficiary/beneficiaries, to whom your Life Insurance should be paid, in the event of your death. Members should list all dependants that are eligible for insurance.
If you have already completed an Application/Enrollment Card and you have no desire to change your beneficiary/beneficiaries, it is not necessary for you to complete another card. You may change your named beneficiary/beneficiaries, subject to Provincial Law, by written request, filed with the Administrative Agent. The change will take effect as of the date such request was executed, but without prejudice to the Plan for any payment(s) made before such request is received by the Administrative Agent.
Please be sure to fully complete and sign the Application/Enrollment Card, and return it to the Administrative Agent. It is extremely important that a completed Application/Enrollment Card be on file, since claims cannot be paid on behalf of you, or your eligible dependants.
After your insurance becomes effective, it is necessary for you to notify the Administrative Agent of any change in your dependant or marital status. This information is necessary so that your coverage can be adjusted accordingly.
This Plan is for:
- Members who are covered under a Provincial Health Insurance Plan.
- Members in Good Standing with LiUNA Local 183.
- Members of a Bargaining Unit represented by LiUNA Local 183.
- Members who work for a Contributing Employer and where the Collective Agreement makes provisions for contributions to the Local 183 Industrial Benefit Fund.
You will become eligible for benefits provided by the Plan as follows:
- On the 1st day of the 2nd month following the date your employer has made the required contributions as outlined by the Board of Trustees.
- Coverage continues automatically for each month provided your employer remits the required contribution on your behalf.
- Benefits may differ between active full time and part time members in accordance with their Collective Agreement.
- Member eligibility may be amended by the Board of Trustees at any time without prior notice to individuals affected, including current active members and those not yet eligible as of the effective date of any amendment.
Coverage for you and your dependents will terminate on the earliest of, the date:
- On the last day of the month that you have less than the required deduction in your account or you do not make the necessary self-payment to maintain your coverage.
- On the last day of the month you stop making self-payments or are not permitted to make future self-payments.
- You cease to be a member in Good Standing of LiUNA Local 183.
- Upon your attainment of age 65 with respect to Short Term Disability Benefits; age 70 for Accidental Death & Dismemberment, Hospital Cash, Critical Illness and Emergency Out of Province Benefits; age 75 for Life Insurance and Dependent Life Insurance Benefits.
- Coverage for your dependents will terminate on the date such dependents cease to be eligible.
- You enter Military Service.
- This Plan is discontinued.
If you were previously covered by the Plan and have been terminated and subsequently return to work in which a Collective Agreement requires your employer to contribute to the Industrial Benefit Fund, you will be covered by the Plan:
- On the first day of the second month following the receipt of your employers contribution.
Extended Health Care and Dental Care Benefits will continue beyond the date of your death while payments for such coverage are made by the Trust Fund on behalf of your eligible dependents, provided you were eligible for benefits at the date of death, but not beyond the
earliest of:
• The date such dependents cease to be eligible.
• The date your surviving spouse remarries (children will continue to be covered).
• The date of your surviving spouse’s death.
• The date coverage for your dependents terminates as per the definition of dependent or for any other reason.
• The end of the 12-month period after the date of your death with respect to your spouse and dependents.
• The date your child attains the age of 21 or the age of 25 provided they are attending an accredited school, college, or university as a full-time student.
Extended Health Care and Dental Care Benefits will continue beyond the date an unmarried child attains the limiting age of 21 or 25 provided they are attending an accredited school, college or university as a full time student, provided proof is submitted to the Administrative Agent within 31 days after such date that such child:
- Is incapable of supporting themselves due to a physical or psychiatric disorder.
- Become so incapacitated prior to attainment of the limiting age.
- Is chiefly dependent upon you for support and maintenance.
- Thereafter such proof must be submitted to the Administrative Agent as required, but not more often than yearly.
If you are totally disabled on the date your insurance terminates, entitlement to benefits will continue with the exception of Accidental Death and Dismemberment, Critical Illness, and Hospital Cash as though such insurance had not terminated provided you submit proof to the Administrative Agent for as long as you remain continuously disabled, and are currently in receipt of Short Term Disability, Workers Safety Insurance Board (WSIB) and / or Canada Pension Plan (CPP) Disability Benefits, as follows:
- Members on Short Term Disability will be required to remit a monthly payment as established by the Board of Trustees for continuous benefit coverage up to a maximum of 38 weeks provided you remain in receipt of Short-Term Disability Benefits;
- Members on Workers Safety Insurance Board (WSIB) Disability Benefits will be fund assisted for benefit coverage from the date of disability for a maximum of twelve (12) consecutive months provided you remain in receipt of WSIB benefits. Following the twelve (12) month period, members are required to remit a monthly payment as established by the Board of Trustees for benefit coverage above provided you remain in receipt of Worker Safety Insurance Board disability benefits. You have one (1) year from the date of the accident to report your WSIB claim to the Administrative Agent;
- Members on Canada Pension Plan (CPP) Disability Benefits will be required to remit a monthly payment as established by the Board of Trustees for continuous benefit coverage up to age 55 provided you remain in receipt of above
- Eligibility for benefits will be conditional on you remaining a Member in Good Standing with LiUNA Local 183
- You will be required to provide proof that you continue to be in receipt of the above benefits on an annual basis;
- Coverage will terminate on the date of your death, return to employment, recovery or the attainment of age 55 for all benefits.
You must complete a new Application/Enrollment Card to update your dependent or marital status. For example, if you were a single member when your insurance commenced and you get married at a later date, or you were married at the time insurance commenced and sometime later your family includes a child.
You must advise the Administrative Agent within 31 days of a change in your dependent status. Failure to do so could jeopardize the coverage of a newly acquired dependent.
This information is important to ensure uninterrupted coverage and avoidance of any delays in the assessment of claims.
Your dependents become eligible for coverage when you become eligible or, if acquired later, upon becoming your dependent provided they are covered under a Provincial Health Insurance Plan. If your spouse also has coverage through their employer, you must co-ordinate your benefits through this plan with your spouse’s plan. You must advise the Administrative Agent if you or your dependents are covered under another plan, such as your spouse’s benefit plan.
To be eligible for benefits, your eligible dependents include your spouse and dependent children as identified below.
SPOUSE
- Spouse means a husband or wife by virtue of a valid civil or religious ceremony.
- Common Law Spouse means a person living with the member for a minimum of 12 consecutive months and will be deemed to be the member’s spouse if such person is publicly represented as the member’s spouse.
- Same-sex spouses are eligible provided that the relationship includes continuous cohabitation of a minimum of 12 consecutive months and public representation of married status.
- Divorced spouses are not eligible for coverage.
DEPENDENT CHILDREN
- Dependent child means a natural or legally adopted child; or a stepchild or other child who is dependent upon the member for support and lives with the member in a regular parent/child relationship.
- Dependent children must be 20 years of age or younger (children from 21 years of age but under age 25 will be covered provided they are attending an accredited school, college or university as a full-time student. Annual proof of student registration (original) must be provided to the Administrative Agent).
- Dependent children must be dependent on you for support, unmarried and not employed at a regular full-time job.
If a member becomes disabled due to a work-related injury and are eligible for Workplace Safety and Insurance Board (WSIB) benefits, the member and eligible dependents will remain covered for the Plan’s benefits in which their dollar banks will be frozen for a maximum period of 12 months from the date of disability while in receipt of WSIB benefits
under the Workplace Safety and Insurance Act of Ontario. Members must report their WSIB claim number and submit Proof of Acceptance of their claim by WSIB to the LiUNAcare Local 183 as soon as possible. Members have one (1) year from the date of the accident to report their WSIB claim to LiUNAcare Local 183and are to continue to remain a member in Good Standing with LiUNA Local 183.
If you are a Retiree covered under the Labourers’ Local 183 Retiree Benefit Trust Fund who is receiving a monthly pension from the LiUNA Labourers’ Pension Fund and you return to work with a participating employer, your coverage under the Labourers’ Local 183 Retiree Benefit Plan will pause and you will begin to generate eligibility under the Labourers’ Local 183 Industrial Benefit Fund and will be classed as an Industrial Member. Once the required contributions are received by your employer under the Labourers’ Local 183 Industrial Benefit Fund, you will be considered to be an Industrial Member under the Labourers’ Local 183 Industrial Benefit Fund and not a Retiree. You cannot have active benefit coverage as an Industrial Member and a Retiree at the same time. Coverage will terminate if a Retiree enters into an active working relationship with an entity contrary to the interests of LiUNA Local 183. Coverage under the Labourers’ Local 183 Retiree Benefit Trust Fund will reactivate once you are no longer employed/working in the industry and benefits exhaust under the Labourers’ Local 183 Industrial Benefit Fund.
Under current tax law Life Insurance, Accidental Death and Dismemberment and Critical Illness premiums paid to an insurance company are taxed as income to the member in the calendar year in which it was received. Members who were covered for these benefits in
the previous calendar year will receive a T4A every February from the Administrative Agent that indicates the total amount of premium paid in the prior year.
Benefits received from the plan are not taxable with the exception of Short-Term Disability Benefit payments which are also reported on the T4A form received.
Any premiums paid for the above referenced benefits on behalf of the member (shown on the T4A) must be reported by the member as income in the member’s annual income tax return.
The Ontario Health Plan (OHIP) pays most medical and surgical services required by residents of Ontario and their eligible dependents. It also pays for standard ward hospital charges. Regulations for the Ontario Health Plan are made under the Ontario Health Insurance Act and will change from time to time.
Should you have any questions relating to the commencement date or termination procedures of your OHIP coverage, you should contact OHIP directly.