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Health And Welfare Benefits –

Benefits At A Glance

Take a look at the Welfare Benefit Plan Booklet . Please note that A New Booklet will be available to all members at the later part of 2024.  Any questions regarding benefits can be directed to our Benefits Office, Reliable Admin.

Benefit Changes Effective February 1, 2024


On January 1 2021, the Welfare Fund introduced the Hospital Cash plan insured by Berkley Canada. Since then, the plan has had very low utilization compared to the cost to maintain the plan. After further evaluation, the Hospital Cash benefit, which paid $50 a day after 3 consecutive days in hospital (Active members under age 70 only), did not offer enough value to the membership as a collective.

Effective February 1, 2024, the Hospital Cash benefit will be terminated from the plan. Any Hospital Cash claims must be submitted to RASI and Berkley Canada for services prior to February 1, 2024.

As a reminder, the Local 67 Health Plan does not cover the cost of a Semi-Private or Private Hospital Room. However, the cost of a hospital room is an eligible expense under the Health Care Spending Account (HCSA) up to the remaining balance of your $750 per family per calendar year credit.


Your Emergency Medical Out-of-Country/Province travel insurance is changing to AIG on February 1st. With this change, your coverage will remain the same but with improved exclusions and a mobile app! The Mobile app will offer many benefits,   including the One Touch “Help” Button       that will connect members directly to Emergency Travel Assistance. Your Assistance ID Card is also available on the Mobile or Desktop app.

If you are already on a trip and have an medical emergency, Berkley and AIG will coordinate to determine which company is responsible for the claim, based on the date of your medical emergency.

Benefit Changes effective January 1, 2022

SUB Plan – Claim Requirement Reinstated Effective January 1, 2022

In March 2020, the SUB Plan Text was amended during the Global Pandemic to allow members to claim SUB without being on the Out of Work List.  Further to the meeting recently held by the Board of Trustees, effective January 1, 2022, members who meet the criteria for a SUB claim must also be on the Out of Work list with the Union in order to claim SUB.  The Amendment revised in March 2020 to exclude the criteria for a member to be on the Out of Work List, has now been reinstated and will be in effect for January 1, 2022.

Should you have any questions regarding the above, please contact the RASI office by email at local67@reliableadmin.com or by calling 905-387-5861.

$800 Psychologist/Social Worker Benefit – New Enhancements

As Mental Health needs grow within our membership, the Board of Trustees met to review our current plan and has approved the expansion of the list of mental health practitioners currently covered by the plan and provide the membership with a full list of options.  In addition, the prescription requirement will be removed when accessing services and submitting a claim.

Effective immediately, the following list of Mental Health Therapists will be included under the Paramedical services of our plan with a separate maximum of $800 per calendar year:

Master of Social Work (MSW) Psychoanalyst
Behaviour Analyst Counsellor, Social Worker
Psychotherapist Psychologist
Marriage Counsellor (as long as they have a designation of one of the above)

A prescription is no longer a requirement for any of the covered mental health practitioners.

Benefit Changes effective March 1, 2021

Psychologist/Social Worker/MSW

Effective March 1, 2021, benefits for a licensed Psychologist, Social Worker, Master Social Worker will be increased from $400 per calendar year to $800 per calendar year per member and eligible dependent.

With this change, the current benefit of unlimited assessments will be removed from our plan.

Benefit Changes effective January 1, 2021

Short Term Disability

Weekly Benefit Equivalent to Employment Insurance Maximum.

Hospital Cash – Berkley/Ardent Insurance

Effective January 1, 2021, a Hospital Cash Benefit was introduced to all “Active” Members who are 70 years of age or younger and their eligible dependents.  A daily benefit amount of $50 for the first 120 consecutive days will be paid while the insured person is hospitalized for a minimum of 3 consecutive days. 

An example of a claim:  (50.00/day) for anyone who was in the hospital for more than 3 days. Payment is retro to the first day. Therefore someone is in the hospital for 5 days.  They will receive a statement from hospital stating they were in the hospital for 5 days, once you submit a claim, the hospital discharge statement/invoice; Berkley/Ardent insurance will pay $50 x 5 = 250.00.   A claim must be made within 30 days of your hospitalization.

If any single injury or illness requires more than one period of hospitalization, then the maximum benefit period of 120 days in a hospital will be reinstated provided that at least 61 days has elapsed between the periods of hospitalization.

This benefit is provided by Berkley Canada/Ardent Insurance.  Claim forms will be available on our website www.reliableadmin.com or by calling our office at 905-387-5861.  You can also reach out by email at local67@reliableadmin.com.

Massage Therapy

A medical referral is no longer required for Massage Therapy.  This is a Member Benefit only.

Benefit Changes effective September 1, 2020


Psychologist (initial and subsequent), up to a maximum of $400 per calendar year

Mandatory Generic Drug Substitution Drug Plan

Based on specific provincial health insurance plan regulations, where a generic equivalent drug exists, reimbursement will only be made up to the cost of the lowest priced equivalent drug.  If a medical practitioner indicates a brand name drug is medically required due to a serious medical reaction to at least two generic equivalent drugs, GSC must be provided with a copy of the “Health Canada Vigilance Adverse Reaction Reporting Form” (that can be obtained from the Health Canada website) completed by the medical practitioner, to determine eligibility for payment of the cost of the prescribed drug.

No Longer Available: Out of Country Emergency Travel – Top Up and Extension, Cancellation and Lost Luggage Insurance

Benefit Improvements effective January 1, 2020

  • Life Insurance benefit – increase from $20,000 to $50,000 for the plan member only
  • ODA Fee guide – the plan will pay for eligible dental services based on the current ODA fee guide minus 1 year
  • Custom Moulded Orthotics – increase to $300 every 2 years
  • Health Care Spending Account – increase to $750 per calendar year
  • Out of Country Emergency Travel – coverage extended to maximum of 85 years old.  Coverage will increase to $2million per trip per covered person. Includes a 90 day trip for active member and 60 trip for retired members or active members over 70 years old.
  • Annual Drug Maximum – reduced from $20,000 maximum per person, calendar year  to $15,000