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
It is absolutely essential that you complete an Application Card, which you can obtain from your Administrative Agent. 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 dependents that are eligible for insurance.
If you have already completed an Application 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 Card and return it to the Administrative Agent. It is extremely important that a completed Application Card be on file, since claims cannot be paid on behalf of you, or your eligible dependents.
After your insurance becomes effective, it is necessary for you to notify the Administrative Agent of any change in your dependent or marital status. This information is necessary so that your coverage can be adjusted accordingly.
WHO MAY BE INSURED
This Plan is for Retirees:
- in Good Standing with LiUNA Local 183 or BMIUC Local 1.
- who are at least 55 years of age at the date of their retirement.
- who have been a member in good standing with LiUNA Local 183 or B.M.I.U.C. Local 1 for a minimum of 5 consecutive years immediately prior to the date of retirement.
- who are in the process of successfully applying for a monthly retirement pension from the LiUNA Labourers’ Pension Fund.
- who are receiving or have received a lump sum pension with LiUNA Labourers’ Pension Fund and Retirees in the Industrial Sector who are eligible for a pension under the LiUNA Labourers’ Pension Fund or a pension under the Canada Pension Plan.
- and their eligible dependents who are insured under a Provincial Health Insurance Plan at the date of their retirement.
- Retirees who are deemed to have in excess of 50+ years of continues membership with Local 183 will be eligible for benefits on a complementary basis.
INITIAL BENEFIT COVERAGE
Retirees must apply for coverage under the Plan within 45 days from the retirement date or upon the exhaustion of any hour banks under the Local 183 Members Benefit Fund and will become eligible for benefits provided by the Plan as follows:
- On the first day of the next month you cease to be eligible as an Active Member of the Local 183 Members Benefit Fund or Local 183 Industrial Benefit Fund provided you remit the required monthly contribution, on an uninterrupted basis.
- If you have hours in your hour bank account with the Local 183 Members Benefit Fund, you can enroll once you have exhausted these hours and your coverage terminates under the Local 183 Members Benefit Fund up to a maximum of 24 months. You will receive an enrolment package 60 days before your hours will exhaust.
- Coverage continues automatically for each month for which you make your required monthly contribution, uninterrupted, paid to the Local 183 Retiree Benefit Fund and submitted to the Administrative Agent.
- Continue to maintain a Good Standing membership with LiUNA Local 183 or B.M.I.U.C. Local 1, uninterrupted from the date of retirement.
If you do not elect Retiree benefit coverage within 45 days of your retirement date or upon the exhaustion of any hours in your Hour Bank Account, you will not be eligible to enrol or participate at a later date.
TERMINATION OF COVERAGE
Coverage for you and your dependents will terminate on the earliest of, the date:
- On the last day of the month that you stop making premium payments or are not eligible to make future premium payments;
- If you cease to be a member in Good Standing of LiUNA Local 183 or B.M.I.U.C. Local 1;
- Coverage for your eligible dependents will terminate on the date such dependents, ceases to be eligible;
- You enter Military Service;
- The date the Plan is discontinued.
CONTINUATION OF EXTENDED HEALTH CARE AND DENTAL CARE
COVERAGE UPON YOUR DEATH – DEPENDENTS
Extended Health Care and Dental Care Benefits will continue on a complimentary basis beyond the date of your death for your eligible spouse and 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 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.
CONTINUATION OF EXTENDED HEALTH CARE AND DENTAL CARE
COVERAGE FOR INCAPACITATED CHILDREN
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.
- Became 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.
You must complete a new Application Card to update your 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 plan.
Your eligible dependents include your spouse and dependent children as identified below.
SPOUSE
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- 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 you are a Retiree covered under the Local 183 Retiree Benefit 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 Local 183 Retiree Benefit Plan will pause and you will begin to generate eligibility under Local 183 Members Benefit Fund and will be classed as an Active Member.
Once you accumulate enough hours in your hour bank under the Local 183 Members Benefit Fund, you will be considered to be an Active Member under the Local 183 Members Benefit Fund and not a Retiree. You cannot have active benefit coverage as an Active 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 Local 183 Retiree Benefit Fund will reactivate once you are no longer employed/working in the industry and benefits exhaust under the Local 183 Members Benefit Fund.
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.
Retirees are required to submit the following monthly contribution for benefit coverage.
$45.00 per month
The above rate is inclusive of the provincial 8% Retail Sales Tax. Retiree’s cost may change from time to time as defined by the Board of Trustees.
Payments are to be made by a Pre-authorized Debit Agreement that is set-up at the time the Retiree Application is received.
Alternately, cheques should be made payable to “Local 183 Retiree Benefit Fund” and mailed to:
200 Labourers Way
Suite 2100
Vaughan, ON, L4H 5H9
You should be sure to print your name and Benefit Card Number on the back of your cheque to ensure that your account is properly credited.