Continuing Benefits When Disabled (Under Age 65)
In the event that you become disabled after January 1, 2012, and are unable to work, your Hour Bank will be frozen, and benefit coverage will be maintained by the Trust Fund for up to 12 months, providing you are in receipt of Weekly Wage Replacement Income, Long Term Disability, Workplace Safety & Insurance, or Motor Vehicle Insurance Disability.
Following a period of Fund Assistance, if you remain totally and permanently disabled, you will continue to receive Fund Assistance to the earlier of age 65 or until you start to receive a Pension or Disability Pension.
To be deemed totally and permanently disabled, you must be receiving CPP Disability Benefits and be approved for Waiver of Premium of your Life Insurance.
If you continue to be disabled but not approved for Waiver of Premium and not receiving CPP Disability Benefits, you may exhaust your Hour Bank to provide benefit coverage. Should you still continue to be disabled, you are eligible to remit Direct Payment for a further 12 months, or to age 65 if earlier, provided you continue to be in receipt of one of the following benefits:
a)Long Term Disability benefits, or;
b)WSIB benefits or;
c)Motor Vehicle Insurance disability benefits.
*Proof of acceptance and monthly benefit payments for their Workplace Safety & Insurance, or Motor Vehicle Insurance claim must be submitted to the Administrator.
NOTE: The Direct Pay and Disability Assistance Provisions cease upon your attainment of age 65, or your retirement, if earlier. For disabilities incurred prior to January 1, 2012 please contact the Administrator for information.
Effective January 1, 2017, if a member turns age 65 while on Disability Income, Fund Assistance will continue for the duration of the Short Term Disability, WSIB Benefits, or Motor Vehicle Insurance Disability Income, but in no event past 52 weeks. For members over age 65 who become disabled after January 1, 2017, Fund Assistance will be available for the duration of their Disability to a maximum of 52 weeks, or until they elect their pension if earlier.
Any extended benefits payable are subject to the provisions and limitations of the plan.
Continuation of Benefits in the Event of your Death
Extended Health Care, Dental and Vision Care coverage for a Spouse and Dependents shall continue without premium payment following your death up to a maximum of 24 months from the date of death but not beyond the date your Spouse remarries or the date the Dependent is no longer a Dependent, as defined in this booklet, or to the date the policy or benefit terminates, whichever is earlier. Any extended benefits payable are subject to the provisions and limitations of the plan.
After 24 months, your spouse may continue to pay-direct for the benefits (based on the above). providing at the time of death the following conditions were met:
- You were a member paying union dues to Teamsters Local 230 at the time of your death or retirement;
- You have participated in a Teamsters Benefit Plan for a minimum of 10 years;
- You have participated in the Fund for the preceding five years;
- Your spouse notifies and confirms their wish to pay-direct, with the Administrative Agent within 31 days of becoming eligible.
Please contact the Administrative Agent for costs and coverage.