Effective January 1, 2020, OHIP will no longer cover any portion of your medical costs while travelling outside of Canada.

Additional Critical Illness Benefits

Ductal Carcinoma in Situ (DCIS) Benefit: 

Subject to the terms, conditions and other provisions of the policy, AIG Insurance Company of Canada will pay you 10% of the principal sum if, while insured, you are diagnosed with DCIS and survive 30 days thereafter.

Ductal Carcinoma in situ (DCIS) means the diagnosis by a licensed physician, of the presence of Ductal Carcinoma in Situ of the breast, as confirmed by a biopsy. A physician certified as an oncologist must confirm the diagnosis in writing.

The DCIS benefit is payable only once, without interest. Payment of the DCIS benefit reduces the principal sum. Payment of the DCIS benefit will represent full and final discharge of all claims under the DCIS benefit.

The DCIS benefit is not payable if the principal sum has already been paid as a result of you suffering or undergoing one of the insured conditions.

Loss of Independence Benefit:

Subject to the terms, conditions and other provisions of the policy, AIG Insurance Company of Canada will pay you 25% of the principal sum if, while insured, you are diagnosed with Loss of Independence.

The Loss of Independence benefit is payable only once, without interest. Payment of the Loss of Independence benefit reduces the principal sum. Payment of the Loss of Independence benefit will represent full and final discharge of all claims under the Loss of Independence Benefit.

The Loss of Independence benefit is not payable if the principle sum has already been paid as a result of you suffering or undergoing one of the insured conditions.

Second Event Benefit

If you are diagnosed with Cancer for which the Principal Sum has been paid and has thereafter been considered Actively at Work for at least 90 days and is then diagnosed with a Heart Attack, Stroke, or Coronary Artery Bypass, the Second Event benefit payable will be equal to the Principal Sum. The Second Event benefit is subject to your surviving 30 days after the diagnosis of Heart Attack, Stroke or Coronary Artery Bypass.

If you are diagnosed with Heart Attack, Stroke or Coronary Artery Bypass for which the Principal Sum has been paid and has thereafter been Actively at work for at least 90 days and is then diagnosed with Cancer, the Second Event benefit payable will be equal to the Principal Sum. The Second Event benefit is subject to your surviving 30 days after the diagnosis of Cancer.

The Second Event benefit is payable only once. Payment of the Second Event benefit will represent full and final discharge of all claims under the Second Event Benefit.

Claim Forms

Brochures:

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Teamster Local Union 230 Members' Benefit Fund c/o Benefit Plan Administrators
90 Burnhamthorpe Road West, Suite 300 Mississauga, Ontario L5B 3C3