Health And Welfare Benefits –

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.

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.

Psychology

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

• 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