Your Critical Illness Insurance.

POLICY # 10453601  –  ATTENTION PLAN MEMBERS:

We know that the impact of a critical illness diagnosis can be devastating, so during our recent contract renewal, we have accepted the following improvements in coverage for our members.

• Coverage is provided by CHUBB Life Insurance Canada.
• If you are eligible, and under age 70 this benefit will pay a maximum of $30,000 (an increase from $20,000 as of Sept 1st, 2021) should your claim be approved.
• If you are retired or age 70-75 the maximum benefit is $15,000 (an increase from $10,000) should your claim be approved.
• The benefit is non-taxable and covers 21 precisely defined conditions.
• There is a full hip or knee replacement included as well. This benefit is $6000 under age 70 and $3000 for those retired or ages 70-75.

Your critical illness policy includes the following:

• If you are under the age of 75, and in good standing, with the local, you are eligible to claim for critical illness.  This is an extension from the previous age of 70
• A Cancer Recurrence benefit is included
• Loss of Independence is a covered condition paid at 100% of the principal sum.
• Partial Benefit payments will not reduce an eligible principal sum payment.
• Simplified conversion option without evidence of insurability

INSURED CONDITIONS AND PARTIAL BENEFITS DEFINITIONS

“Cancer Recurrence” means that if the Insured has already been diagnosed with Cancer and, while insured, a new diagnosis of cancer is made, a benefit will be paid, subject to all the policy terms and provisions, if the following conditions have been met:
a) More than 60 months have passed since the previous cancer diagnosis; and
b) No treatment relating directly or indirectly to cancer has been received within that 60-month period.
Treatment does not include preventive medications and follow-up visits to the doctor.

“Loss of Independence” means the definitive diagnosis by a licensed Physician of either:
a) being totally and permanently unable to perform, by oneself, at least 2 of the 6 Activities of Daily Living or; b) cognitive impairment.
A mental or nervous disorder without a demonstrable organic cause is not covered. Loss of Independence must persist for at least ninety (90) days from the date of the diagnosis

Partial Benefits are not deemed to be covered conditions, nor do they fall under the category of covered conditions for the purposes of the Second Event Benefit. Payment of a partial benefit does not reduce eligible payment of a principal sum. Each partial benefit is payable only once.

Conversion: Within 31 days following employment termination, an insured may transfer his insurance to an individual policy of CHUBB Life (formerly ACE). The individual policy will be effective either as of the date that CHUBB Life receives the application or on the date that coverage under the group policy ceases, whichever occurs later. The premium will be the same as an insured would ordinarily pay when applying for an individual policy at that time. Application for an individual policy may be made at any office of CHUBB Life. The amount of Critical Illness insurance benefit converted to shall not exceed that amount issued during employment up to an all policies combined maximum of $25,000. The individual policy will cover the same conditions as those available under the group policy currently in force.

INSURED CONDITIONS

ADDITIONAL BENEFITS

• Ductal Carcinoma in situ (DCIS) Benefit
• Early-Stage Prostate Cancer (T1a or T1b) Treatment
• Hip or Knee Replacement Surgery
• Loss of Independence Benefit
• Second Event Benefit

To File Critical Illness Claims:  Contact your Benefits Manager at the union office @ 416-368-1873 or by email: benefits@iatse873.com as soon as you can to obtain the necessary claim forms.

• Claims should be submitted within 30 days of diagnosis/surgery of an eligible condition. Some conditions have a qualifying period of 90 days. All claims should be submitted as soon as possible but no later than one year following the date of diagnosis.

Please consult the plan coverage booklet for further details – Policy #10453601 –