Health & Welfare Plan

Our Mission

The Trustees of the Plumbers’ Local 170 Welfare Plan have been empowered with the responsibilities and duties of overseeing the Welfare Plan including determination of benefit coverage, managing investments, maintaining eligibility status, and any other matters of administration affecting the operation of the Plan. It is therefore the long-term goal of the Trustees to establish a Plan with the financial stability to provide benefit assistance and services to members and to establish protection for the Member and/or his/her family in the event of death or disability. In the shorter term, the assets of the Welfare Plan should be conservatively and prudently managed to establish adequate reserves to help offset unforeseen escalation of costs and minimize the risk of loss of assets.

It is acknowledged that the contributions are negotiated between the union and representative Association, and the result of those negotiations determines the extent of Plan funding. The Trustees have no direct control of this process.

In all instances, the “prudent person” ideal will be assumed by the Trustees to ensure maximum security of Plan Assets and to maintain appropriate benefit coverage for Plan Members.

Board of Trustees Responsible

Brian McKinley – Chair
Jack Allard – Union Trustee
Craig Hallgren – Union Trustee
A.D. Al Phillips – Union Trustee
Russ Davidson – Management Trustee
Jamie McKenzie – Management Trustee
Rick Musil – Management Trustee
Lisa Peterse – Plan Administrator

The Plan Administrator along with the Board of Trustees are responsible for the Welfare Fund, Professional Consultants, Investment Management Firms, and ensuring that the Welfare Fund is maintained in a financially balanced method that will provide welfare benefits for union members over the long term.

Highlights of Benefits

Life Insurance

Eligibility All hour bank insured members, associates, insured retired members (under age 70)
Benefit $85,000 reducing to $20,000 at retirement (i.e. receiving a monthly pension)
Termination Age 65 or retirement (whichever occurs first) for associates. Age 70 for all other insured hour bank members, with exception of selfpaying hour bank members whose coverage ceases following 24 consecutive months of self-payment.
Reinstatement Coverage will reinstate to $85,000 for retired members upon return to work and satisfying the plan eligibility requirements but not beyond attainment of age 70.
Waiver of premium On approved disability (refer to member booklet for further details).

Accidental Death & Dismemberment

Eligibility All hour bank insured members, associates, insured retired members (under age 70)
Benefit $85,000 reducing to $20,000 at retirement (i.e. receiving a monthly pension)
Termination Age 65 or retirement (whichever occurs first) for associates. Age 70 for all other insured hour bank members, with exception of selfpaying hour bank members whose coverage ceases following 24 consecutive months of self-payment.
Reinstatement Coverage will reinstate to $85,000 for retired members upon return to work and satisfying the plan eligibility requirements but not beyond attainment of age 70.
Waiver of premium On approved disability (refer to member booklet for further details)

Weekly Wage Indemnity

Eligibility All hour bank insured members, apprentices, probationary apprentices, permit workers, and associates
Benefit period Four weeks, then EI sickness benefits (if applicable) up to an additional 11 weeks – maximum 15 weeks (total) payable from the plan
Benefit amount $547 per week (or 1/7 of the weekly benefit for each day that a benefit is payable)
Tax status Taxable
Termination age Age 65

Long-Term Disability

Eligibility All hour bank insured members and apprentices (excludes associates)
Benefit period The last day of the month in which the member attains age 62, dies, ceases to receive CPP benefits, fails to participate in a rehabilitative program, or the last day of the month preceding the first day of the month in which retirement takes effect
Benefit amount 1/12 of 70 per cent of basic predisability hourly rate of earnings times 1,400 hours
Direct offsets Disability payments under the pension plan or any other employer sponsored pension plan; any employer-sponsored disability plan and any provincial or federal government program to which an employer directly contributes, including but not limited to EI, CPP and WCB disability benefits
Tax status Taxable
Definition of disability Upon approval of CPP disability benefits
All-source limitation 85 per cent of average of best three consecutive years of earnings
Rehabilitation Yes. Reimbursement and offset determined by the trustees

Medical Services Plan (MSP)

Eligibility All hour bank insured members and eligible disabled members
Reimbursement Reimbursement of premiums – the Welfare plan does not pay MSP premiums for or on behalf of covered members but will reimburse:
100% of monthly rates noting if adjusted net income is $42,000 and over the full rate is $37.50=single, $75=couples. If net income is below $42,000, subject to scale.
Refer to member booklet for further details of reimbursement guidelines and deadline.
Termination Hour Bank members later of age 65 or expiry of Hour Bank.

Extended Healthcare

Eligibility All hour bank insured members, associates, insured retired members (under age 65), survivors, eligible disabled members, and special senior members (age 65 and over)
Reimbursement 100% for certain benefits as noted.
95% of eligible prescription drugs and diabetic supplies listed on the provincial BC Formulary up to $1,500 per family unless proof of a higher B.C. Fair Pharmacare Program deductible is provided.
80% of all other eligible expenses up to $1,000 and 100 per cent of other eligible expenses exceeding $1,000 per person or family in a calendar year.
Special senior members age 65 and over (associates excluded) are eligible for 100% reimbursement of all eligible expenses subject to their plan maximum (year 2018=$800).
Plan maximum Lifetime maximum to $1 million per person subject to applicable treatment and travel medical emergency maximums.
Special senior members (age 65+) are limited to $800 per family per calendar year (inclusive of dental treatment, and private health premiums that do not include life insurance) subject to a lifetime maximum of $25,000 per person, plus up to $35 per calendar year for special senior members for prostate testing.
Termination Hour bank members later of age 65 or expiry of hour bank. All others earlier of age 65 or expiry of hour bank/self-pay period/defined eligibility (i.e. associates no later than age 65. However, no later than age 62, disabled members may then self-pay to age 65). Retired members may transition to special senior member category following attainment of age 65.

Ambulance Services Reasonable and customary charges for emergency services and/or response
Vaccines Up to lifetime maximum of $500 per person for preventative vaccines dispensed by a licensed pharmacist or physician
Foldable intraocular lens implants Lifetime maximum of $1,000 per person in excess of the provincial health care plan
Smoking cessation drugs/ products (Zyban, nicotine patches & gum, acupuncture) Lifetime maximum of $500 per person subject to official receipt (detailing patient name, purchase date, and item)
Diagnostic tests (inclusive of PSA, etc.) Maximum of $100 per calendar year per active member. (Deductible not applicable)
Medical bracelets Subject to medical necessity maximum of $50 per person per calendar year (requires an official itemized receipt indicating patient’s name and item description as well as date of purchase and amount (cash register receipts will not suffice.)
Vision care Subject to a maximum of $400 every 24 months for prescriptive corrective lenses or laser eye surgery, no deductible (adjudication handled by welfare office).
Cost of laser eye surgery reimbursed $400 every two years until original claim amount at 100 per cent (as of June 01, 2016) has been reimbursed.
Eye exams Subject to a maximum of $100 every calendar year (as of June 01, 2016) when performed by a physician or optometrist for covered members between ages 19 and 64.
Paramedical services $700 per person per calendar year, per practitioner including Chiropractor (inclusive of X-rays), Massage Therapy (registered), Naturopath, Physiotherapist (including athletic therapy), Podiatrist, Acupuncturist, and Speech Language Pathologist.
Please note: $700 for each paramedical services category. Example: $700 Chiropractor | $700 Naturopath | $700 Acupuncturist, etc.Psychologists (family and marriage counsellors, etc.) up to $1,500 per person per calendar year.
Hearing aid A lifetime maximum payable of $2,000 every 5-years.
Custom Ear Plugs $500 per person every 5-years. An official itemized receipt along with a physician referral must be submitted.


up to a calendar year maximum out of pocket dispensing fee cost of $200 per family

Drugs Prescribed drugs (excluding oral contraceptives and nicotine patch) and diabetic supplies.
Drug coverage is restricted to those listed on the provincial (BC) formulary being reimbursed up to $1,500 per family, unless proof of a higher B.C. Fair Pharmacare Program deductible is provided. EHC deductible is not applicable.
Special seniors and dependants remain at 100 per cent subject to applicable maximum.


In-province expenses Once $1,000 has been paid in a calendar year, further eligible expenses will be reimbursed at 100 per cent, subject to maximums in contract
Hospital room and board Semi-private or private
Surgical Brassieres $500 per calendar year.


Travel Medical Emergency Insurance

Eligibility All hour bank insured members, associates, insured retired members (under age 65), eligible disabled members, and survivors (special senior members excluded) .

Active hour bank insured members (working)

Overall maximum $5 million per coverage period
Coverage period 60 days per trip
Termination age Later of age 65 or expiry of hour bank account (plus self-pay) but not beyond age 70
Pre-existing condition Not applicable

Survivors

Overall maximum $5 million per coverage period
Coverage period 60 days per trip
Termination age Earlier of age 65 or 24 months from member’s date of death
Pre-existing condition $25,000 lifetime maximum for pre-existing condition

Associates

Overall maximum $5 million per coverage period
Coverage period 60 days per trip
Termination age Earlier of age 65 or three months following last contribution received
Pre-existing condition Not applicable

Insured retired members (under age 65)

Overall maximum $5 million per coverage period
Coverage period 60 days per trip
Termination age Earlier of age 65 or expiry of hour bank. Note: can not self-pay after age 65
Pre-existing condition $25,000 lifetime maximum for pre-existing condition

Employee and Family Assistance Program (EFAP)

Eligibility All hour bank insured members, associates, insured retired members (under age 65), survivors, eligible disabled members, and special senior members (age 65 and over)
Benefits Provides short-term, confidential professional counselling and work life services to Members and their eligible dependants to assist with resolving work and life problems and issues.
EFAP brochure available on request.
For immediate, confidential help 24/7/365, call 1-800-387-4765
or go online at www.workhealthlife.com
Click on “register” and enter “Plumber Local 170 Welfare Plan” to get started.
Termination age Age 65 for Associates, Disabled Members and selfpaying Members.
Later of age 70 or expiry of hour bank for all insured hour bank Members.
Age 75 for Special Senior Members

Healthcare Spending Account (H.S.A)

Eligibility Insured retired members (under age 65) as of June 1, 2018.
Reimbursement 100% of eligible expenses limited to H.S.A. account balance
Termination Termination of membership or any break in active insured coverage, or up until May 31, 2019.

Dental Care

Eligibility All hour bank insured members, associates, insured retired members (under age 65), eligible disabled members, survivors, and special senior members (age 65 and over noting subject to EHC $800 per family per calendar year max.)
Deductible No deductible
Provincial fee schedule Current basis, on the date services performed and subject to your province of residence
Plan A Plan B Plan C
Basic services Major restorative services Orthodontics
Reimbursement 90% 80% 50%
Dependant children only 100% 80% 50%
Frequency plan limits Each calendar year Each calendar year Lifetime
Financial limit per dependant child $3,000 combined with Plan B $3,000 combined with Plan A $5,000
Financial limit per member or spouse $3,000 combined with Plan B $3,000 combined with Plan A $5,000