RETIRED MEMBERS PLAN ELIGIBILITY

Retired Members Welfare Plan

When you retire, you may be eligible for coverage in the Retired Members Welfare Plan, the cost of which is paid partly by you and the balance by the Welfare Trust Fund’s Surplus, an arrangement that will continue in effect as long as the surplus can sustain cost.

The following information sets out the eligibility requirements, who is covered, your required contribution, and the benefits of the plan:

Eligibility Requirements

In order to be covered by the Retired Members Welfare Plan, you must meet all of the following requirements:

  1. You must be at least age 55. Members under age 55, who are Totally Disabled*, have the option of taking early retirement and being covered under the Retired Members Welfare Plan;
    *Totally Disabled shall mean you are incapacitated by an injury or disease to the extent that you are not able to perform any work for compensation or profit and are not able to engage in any business or occupation;
  2. You must be a resident in Canada;
  3. During the 144 months immediately prior to your effective date of coverage in the Retired Members Welfare Plan, you had been covered for at least 60months (in the aggregate, and not necessarily consecutively) by the Welfare Plan for Active Members of LIUNA Local 493; and
  4. In the calendar month immediately preceding your effective date for coverage in the Retired Members Welfare Plan, you were covered by the Labourers’ Local 493 Welfare Plan for Active Members; and
  5. You are a recognized pensioner with LIUNA having notified the Central and Eastern Pension Office that you have retired, and you continue to remain a member in good standing with Local 493 as per the Uniform Local Constitution (article III-membership), LIUNA Local 493, and you continue to maintain the status in accordance with the records of LIUNA Local 493.

If you become covered by the Labourers’ Local 493 Retired Members Welfare Plan and you breach one or more of the above-stated Eligibility Rules, your coverage will be terminated effective 12:01 a.m. of the first day of the calendar month first following receipt by the Plan Administrator of Labourers’ Local 493 Welfare Plan of written Notice of the breach under the hand and seal of any duly-appointed or elected Officer of LIUNA Local 493.

Please note that you cannot select the benefits you want. The plan is a “package” so that all benefits cover all eligible Retired Members.

Required Contribution

Since participation in the Retired Members Welfare Plan is voluntary, you alone decide whether you want coverage. If you are eligible and want coverage, you must contact the Plan Administrator within 30 days of your termination in the Active Members Plan, and pay the required contribution set from time to time by the Trustees.

Reenrollment/Reinstatement is not permitted. You will not be allowed to rejoin the plan should you fail to make the required contributions to maintain your coverage or are suspended for non-payment of dues. All Contributions must be made on a continuous basis.

When You Become Covered Initially

You and your eligible dependents will become eligible for coverage on the first day of the month following retirement. Retired Members must be covered as Active Members immediately prior to Retirement.

If your dependent is confined, the effective date of coverage is the first date the dependent is no longer confined.

Confinement shall include both home and hospital confinement. If the dependent is confined at home, confinement shall mean the dependent is unable to carry on any substantial part of the regular and customary duties or activities of a person in good health and of the same age and sex. This shall not postpone the effective date for a child born while the employee’s dependents are covered under this Policy.

Termination of Coverage

The coverage for you and your eligible dependents will terminate on the earliest of the following dates;

  1. The date you cease to be a member in good standing as per the Uniform Local Constitution (Article III – Membership), including non-payment of dues.
  2. The date you enter Military Service.
  3. The date your Group Policy terminates.
  4. The date you discontinue any required contributions.
  5. The date outlined in the Summary of Benefits.

A dependent’s coverage will also terminate when he/she is no longer an eligible dependent.

Eligible Dependents

Eligible dependents under this plan shall include:

  • Unmarried children from live birth who are under age 22. Dependent children must be dependent on you for support and not employed at a regular full-time job.
    Coverage is continued while the child is under age 25 and attending an accredited college or university on a full-time basis. You must provide annual confirmation that the child is a full-time student and remains dependent on you for support and maintenance; and
  • Functionally impaired children who are totally dependent upon you for support. For the purposes of this plan, functionally impaired shall mean an unmarried person who was covered as a dependent prior to becoming functionally impaired and who is wholly dependent upon you for support and maintenance within the terms of the Income Tax Act; who is a resident in Canada.
  • A child of your spouse provided,
    • he/she is also your biological child; or
    • your spouse is living with you and has custody of the child.
  • Your spouse as the result of a valid civil or religious ceremony, or a person whose common-law relationship with you has existed for a minimum of 24 consecutive months immediately prior to the date on which a claim arose and provided the existence of such continuous common-law relationship can be established by public representation and ceases on the date the cohabitation ends.

Separated spouses shall be removed only with written permission from the spouse or by court order. Divorced spouses are not eligible for coverage.

No one will be eligible as a dependent while in military service.