This is intended to outline the Plan in everyday language and does not constitute the terms and conditions of any policy of insurance authorized by the Trustees.

Member should be aware the provisions outlined herein are subject to change at any time and this booklet is not intended to be a guarantee of any coverage. This booklet outlines the eligibility requirements and procedures to be followed when claims arise. A pdf version of the booklet is available by clicking here. Booklets for download are also available for Garda Winnipeg, Heidelberg Edmonton, and TST-CF.

The Dental and Extended Health Plan is carried by Manitoba Blue Cross under Group # 7023 – Alberta; #7024 – Saskatchewan; #7025 – Manitoba; # 7026 – Ontario.

The Life Insurance, Accidental Death & Dismemberment, and Long Term Disability Benefits are insured by Manulife Financial under Policy #31833.

The Weekly Disability Benefits are insured by Manulife Financial under Policy #82600.

Should you require any information on the operation of the Plan, please contact the Plan’s administration office.


General Plan Provisions

You are eligible to join the Plan provided you are a Member in Good Standing of the Union, are employed by a participant employer, and meet the eligibility requirements.

Eligibility Requirements

Any member of the Union who is in regular employment of the company on the effective date of the Health and Welfare Plan shall join the Plan immediately.

Any member who is hired by the company after the effective date of the Health and Welfare Plan shall join the Plan on the first day of the month immediately following 30 calendar days from the date of commencement of employment with the company or in compliance with the Collective Bargaining Agreement under which the member is working.

Employee Eligibility

To be eligible for coverage, you must be actively employed and receive regular earnings at your Employers’ usual place of business.

If you are absent from work, excluding absence due solely to a paid vacation or statutory holiday, on the day your coverage otherwise would take effect, such coverage will not take effect until the day you return to work on a regular basis. Not all employers provide disability coverage so please check your collective agreement or check with HR.

Employer Eligibility

Any sole proprietorship, partnership or corporation which has in effect a Collective Bargaining Agreement with the Union and participates in the Health and Welfare Plan established pursuant to the terms of such collective bargaining agreement.

Termination Of Insurance

Your insurance will terminate on the earliest of:

  • The date you cease to be employed or the date you cease to be a member of the class eligible for insurance, or
  • The end of the period for which premiums have been paid for your insurance, or
  • The date your insurance class of the Group Policy cancels.

Who Is Covered By The Plan

Dependent Spouses

Spouse means the person with whom the member is cohabiting.

  • A member’s Spouse will become effective on the first of the month following date of notification.
  • A member’s common-law/same sex Spouse will become effective on the first of the month following date of notification.
  • A member deleting a Spouse due to divorce and adding a Spouse due to marriage; coverage for the Spouse will become effective on the first of the month following the date of notification.
  • A member deleting a Spouse due to divorce and adding a common-law/ same sex Spouse; the common-law/same sex Spouse shall be added the first of the month following one year after deleting the previous Spouse.
  • A member deleting a common-law/same sex Spouse and adding a new common-law/same sex Spouse; the new common-law/same sex Spouse shall be added the first of the month following one year after deleting the previous common-law/same sex Spouse.

Dependent Children

A member’s unmarried, dependent child is eligible for coverage up to their 21st birthday, or longer if mentally or physically disabled prior to the attainment of age 21, or to their 25th birthday if attending a recognized educational institute in Canada as a full time student. Proof of attendance will be required to establish eligibility.

Spouses and dependent children must be covered by a Provincial Health Care in order to be covered by this plan.

All changes must be submitted to the Plan’s Administration Office for authorization and Manitoba Blue Cross will be notified accordingly.

Change Forms are available from your Employer, Prairie Teamsters Administration Office, or on the “forms” page of this website.

Plan Coverage Available (According to eligibility)

Regular Coverage

  • Group Life Insurance
  • Accidental Death and Dismemberment
  • Short Term Disability
  • Long Term Disability
  • Extended Health Benefits
  • Dental Benefits
  • Vision Care Benefits
  • Travel Health Benefits

Age 64 & Over Coverage

  • Group Life Insurance
  • Accidental Death and Dismemberment
  • Short Term Disability
  • Extended Health Benefits
  • Dental Benefits
  • Vision Care Benefits
  • Travel Health Benefits *

*Members age 70 and over and their dependents are not eligible for the Travel Health Benefits.

Long Term Disability coverage ceases at age 65.

Lay-off Coverage

In accordance with the provisions contained within your Collective Bargaining Agreement, you may be entitled to Lay-off Coverage on the first day of the month following the date of Lay-off.

The maximum duration is as contained within your Collective Bargaining Agreement to a maximum of six (6) months.

Monthly contributions for Lay-off Coverage must be made through your Employer when making their required monthly Health and Welfare remittance.

Should you return to work with the same Employer prior to the Lay-off Coverage Expiry date, your full Plan coverage may be reinstated immediately by your Employer.

Benefits for which you are eligible under Lay-off Coverage:

  • Life Insurance
  • Accidental Death and Dismemberment
  • Extended Health Benefits – excluding Dental
  • Travel Coverage for 90 days only

Privacy

Prairie Teamsters Administration Services Ltd., the Administrator of your benefit plan, recognizes and respects every individual’s right to privacy. When you become a participant in the Plan, a confidential file of personal information is established. This information is used to administer the Health & Welfare Plan under which you are covered. This includes many tasks:

  • Enrolling you for coverage
  • Assessing and paying your claims
  • Managing your claims
  • Verifying and auditing eligibility and claims
  • Underwriting activities including determining the cost of the plan and analyzing the design options of the Plan
  • Preparing regulatory reports
  • Providing Trustees, consultants and others with information necessary to effectively govern the Plan.

We limit access to information in your file to persons who require it to perform their duties, to persons to whom you have granted access, and to persons authorized by law.

Please contact the Plan Administrator if you have any questions or concerns regarding your personal information.