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

Life Insurance Benefit

The Life Insurance benefit is payable in the event of your death from any cause at any time or place while you are insured. Payment will be made to the beneficiary designated by you.  If there is no designated beneficiary living at the time of your death, the Insurer will pay the benefit to your Estate.   The amount of Life Insurance is specified in the “SUMMARY OF BENEFITS” of this website.   See the following section of this website for a description of Dependent Life Insurance coverage.

Beneficiary

For member death benefits, you may name a beneficiary/beneficiaries and, from time to time, change such named beneficiary/beneficiaries, subject to Provincial law, by written request filed with the administrator.  The change will take effect as of the date such request was executed, but without prejudice to the Insurance Company for any payments made before such request is received at its Head Office.

Waiver of Premium Benefit

If, while covered under this, you become totally disabled and have not retired or had your 65th birthday and remain so disabled for 6 consecutive months, the Insurer will waive payment of the life insurance premiums up to age 65 provided you remain so disabled, and provided proofs of disability are furnished as required.  Totally disabled means 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.

In order to qualify for the Waiver of Premium benefit, you must notify the Insurer within 12 months of the last active day at work and must furnish due proof of disability, satisfactory to the Insurer, within 18 months of that last active working day.  

From time to time during the first 2 years that premiums are waived, the Insurer shall have the right to require proof of continuance of your disability.

After 2 years, proof shall only be required no more than once a year.  You may be required to be examined by a medical examiner designated by the Insurer, at the Insurer’s expense. No benefits will be provided under this benefit if you fail to submit proof of disability when required.

The Insurer will waive premiums starting with the date the required proof is approved.  Premiums shall not be waived beyond the earlier of your age 65 or the date you cease to be totally disabled.  The benefit will cease if you fail to submit proof of continuance of disability when required or if you fail to be examined by a qualified physician when required.

If you die while your life insurance is being continued under this Waiver of Premium benefit, the amount of insurance payable will be the amount of insurance for which premiums are being waived at the time of death. 

If you die within one year of becoming totally disabled and unable to work due to such disability, but before due proof of the disability was furnished to the Insurer, the Insurer will pay your beneficiary the amount of life insurance to which you were entitled on the date you became so disabled.  The Insurer must receive proof of the death and total disability during this period not later than one year after your death.   
 
If you do not return to work within 31 days after this benefit ceases, you may convert the amount of insurance that was subject to this provision as though the insurance had ceased on that date due to termination of employment.  If a benefit is payable under the Conversion Privilege, the amount of insurance payable under this provision shall be reduced by the amount of that benefit.  If an individual policy has been issued in accordance with the Conversion Privilege no payment shall be made under this provision if the individual policy is not surrendered to the Insurer, without payment of the claim.  If the policy is surrendered, the Insurer will refund any premium paid on the individual policy.
The Insurer shall not be liable for waiver of premium benefits after termination of the contract or waiver of premium provision once a replacing insurer is bound contractually or as a matter of law. 
However, if this contract or waiver of premium provision terminates, the Insurer remains liable to provide waiver of premium benefits for a continuous disability caused by an accident or sickness that occurred prior to termination provided a claim is submitted within 12 months of the member’s last active day at work and due proof of disability, satisfactory to the Insurer, is furnished within 18 months of the last active working day. At the end of any 6 month period during which the member was not disabled the Insurer ceases to be liable for any further waiver of premium benefit for disability caused by an accident or sickness that occurred prior to termination.

Proof of Loss

Written proof stating the occurrence, character and extent of loss must be submitted to the administrator within 15 months after the date of death for Life Insurance, and within 18 months after the date the employee ceases active work because of total and permanent disability under the disability provision for Life Insurance.

 

Claim Forms

Brochures:

You will require the latest Adobe Acrobat Reader. It is a free program and can be downloaded here.

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