Benefits
Member Life Insurance
Who’s Eligible
Eligible Active Members who meet the eligibility requirements of the Trust Fund and are under the age of 75.
The Benefits
Life Maximum – $200,000
Interment Maximum – $10,000
Terminal Illness Advance (24 months life expectancy) – $50,000
More Information
Please contact Member Services.
Spousal Life Insurance
Who’s Eligible
Eligible Spouses who meet the eligibility requirements of the Trust Fund and are under the age of 75.
The Benefits
Life Maximum – $20,000
Terminal Illness Advance (24 months life expectancy) – $10,000
More Information
Please contact Member Services.
Dependent Life Insurance
Who’s Eligible
Eligible Dependents who meet the eligibility requirements of the Trust Fund.
The Benefits
Life Maximum – $10,000
Terminal Illness Advance (24 months life expectancy) – $5,000
More Information
Please contact Member Services.
Special Needs Life Insurance
Who’s Eligible
Eligible Active Members who meet the eligibility requirements of the Trust Fund and are under the age of 75.
The Benefits
Life Maximum – $100,000
More Information
Please contact Member Services.
Accidental Death & Dismemberment
Who’s Eligible
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund and are under the age of 70.
The Benefits
Member – Up To $300,000
Spouse – Up To $60,000
Dependent Child Up To – $8,000
More Information
Please contact Member Services.
Occupational Accidental Death & Dismemberment
Who’s Eligible
Eligible Active Members who meet the eligibility requirements of the Trust Fund and are under the age of 70.
The Benefits
Life Maximum – Up to $400,000
More Information
Please contact Member Services.
Short Term Disability
Who’s Eligible
Eligible Active Members who meet the eligibility requirements of the Trust Fund and are under the age of 65.
The Benefits
Member – Weekly Benefit Maximum of $500 payable from 1st day accident or hospitalization (minimum of 18 hours) or 8th day illness, disease or sickness (15 weeks Employment Insurance Sickness integrated) up to a maximum of 104 weeks.
More Information
Please contact Member Services.
Long Term Disability
Who’s Eligible
Eligible Active Members who meet the eligibility requirements of the Trust Fund and are under the age of 65.
The Benefits
Member – Monthly Benefit Maximum of $1,000 (Years 1-5) or $600 (Years 6-10) payable after the waiting period of 104 weeks up to a maximum of 10 years, recovery, age 65, or death.
More Information
Please contact Member Services.
Disability Management Services
Illness and injury can happen to us all – whether at home or at work. When you become sick or injured and are unable to work, you may be eligible to receive benefits to cover your loss of earnings.
The Disability Management Services team at LIUNA Local 183 is available to assist you when you are medically unable to work. Disability Management Services will work with you to determine whether you should be making a claim for Weekly Disability Benefits through the Members’ Benefit Plan, Loss of Earning Benefits offered by the Workplace Safety & Insurance Board (WSIB), and/or Employment Insurance Benefits. They will help you in completing the necessary paperwork and assist you in the process so you can focus on treatment and recovery. Disability Management Services will work with you in ensuring you obtain appropriate treatment and care while ensuring income replacement benefits are provided during your medically-supported absence from work. Should your absence be long-term, Disability Management Services will assist you in applying for CPP Disability Benefits and/or Long-Term Disability Benefits.
The Disability Management Services team is made up of professionals with medical, claims, and legal backgrounds who will work with you towards a successful return to health. Disability Management Services will protect your privacy and will not share with anyone any details surrounding your confidential medical condition.
If you become disabled and are unable to work, or if your work is being affected by a medical condition, please contact Disability Management Services at [416-240-2104] or [1-866-315-6011]. You can also send us an email at 183disability@homewoodhealth.com. The Disability Management Services staff are able to offer their services in English, Portuguese, Spanish, and Italian.
Short-Term Disability
If you become disabled while covered because of either an illness or accidental injury that is non-occupation and you cannot perform your job duties, you may be entitled to Weekly Short-Term Disability Benefits. Only Active Members have provisions have provisions for this benefit.
If you have questions regarding Short-Term Disability Benefits or the application process, please contact Disability Management Services at [416-240-2104] or [1-866-315-6011]. You can also send us an email at183disability@homewoodhealth.com. The Disability Management Services staff are able to assist you in English, Portuguese, Spanish, and Italian.
Long-Term Disability
If you remain totally disabled while covered and are under the age of 65, have received the maximum duration of Short-Term Disability Benefits and are unable to return to active full time employment, then you may be eligible for Long-Term Disability Benefits.
Totally Disabled means that solely because of a non-occupational illness or non-occupation accidental bodily injury, you are unable to work and cannot work in any occupation for which you are suited because of education, training, or experience.
If you have questions regarding Long-Term Disability Benefits or the application process, please contact your Short-Term Disability Case Manager. You can also contact the Disability Management Services main line at [416-240-2104] or [1-866-315-6011]. The Disability Management Services staff are able to assist you in English, Portuguese, Spanish, and Italian.
Workplace Safety & Insurance Board (WSIB) (work-related disabilities)
If are injured or become ill because of your job in Ontario, an application must be submitted to the Workplace Safety & Insurance Board (WSIB). The WSIB is government agency that provides health care services and loss of earnings benefits to those who are injured at work.
All accidents, even without any wage loss, should be reported to the WSIB. It is important that you report the incident immediately to the employer, the WSIB, and obtain medical care. There are strict time limits for obtaining care and filing a claim with the WSIB.
Please contact the Workplace Safety & Insurance Board (WSIB) at [416-344-1000] or [1-800-387-0750] to report a claim.
If you have questions regarding WSIB benefits, have issues with an ongoing claim, or require assistance in filing a new claim you can contact Disability Management Services at [416-240-2104] or [1-866-315-6011]. The Disability Management Services staff are able to assist you in English, Portuguese, Spanish, and Italian.
More Information
Please contact Member Services.
Permanent Total Disability
Who’s Eligible
Eligible Active Members who meet the eligibility requirements of the Trust Fund and are under the age of 70.
The Benefits
Life Maximum of $300,000 if continuously disabled for a period greater than 1 year as a result of an accident.
More Information
Please contact Member Services.
Long Term Care
Who’s Eligible
Eligible Active Members and eligible spouses who meet the eligibility requirements of the Trust Fund and are over the age of 18.
The Benefits
Life Maximum – $300,000
$50 per day maximum indemnity benefit
$100 per day maximum for eligible expenses
More Information
Please contact Member Services.
Critical Illness
Who’s Eligible
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund and are under the age of 70.
The Benefits
Benefit Maximum:
Member – $32,500
Spouse – $10,000
Child – $10,000
More Information
Please contact Member Services.
Hospital Cash
Who’s Eligible
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund and are under the age of 75.
The Benefits
Benefit Maximum – $200 per day payable after three (3) consecutive days of hospitalization for a maximum hospital stay of 120 consecutive days. Benefits payable at 50% after the age of 70.
More Information
Please contact Member Services.
Extended Health Care Benefits
Who’s Eligible
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund.
The Benefits
Life Maximum – Unlimited per insured individual
Paramedical Coverage
Orthopedic Coverage
Hearing Aid Coverage
Other Healthcare Coverages
More Information
Please contact Member Services.
Prescription Drug Benefit
Who’s Eligible
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund.
The Benefits
Prescription Drug Benefit Card reimbursed at 100%
$50,000 Lifetime Maximum on Opioids
More Information
Please contact Member Services.
Vision Care
Who’s Eligible
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund.
The Benefits
Maximum combined benefit of $450 once every 24 months for one (1) set of eyeglasses (lenses/frames combined) or contact lenses including one (1) eye exam and $100 replacement lenses if as a result of a prescription change or damage.
Life Maximum of $1,500 for Corrective Laser Eye Surgery
Post Cataract Surgery – Intra-ocular Lens (IOL) Coverage
More Information
Please contact Member Services.
Dental Care
Who’s Eligible
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund.
The Benefits
Annual Maximum – $3,000 per insured individual inclusive of all dental services
100% Routine Care / Complete Dentures / Partial Dentures / Crowns / Bridgework / Implants
60% Orthodontics – $2,500 life maximum (dependents under the age of 21)
2023 O.D.A. Fee Guide
More Information
Please contact Member Services.
Second Medical Opinion Benefit / Healthcare Navigation / Cancer Assistance
Who’s Eligible
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund.
The Benefits
Services for those with medical uncertainty from a prolonged or chronic illness or need a second opinion on a variety of health topics.
Services include:
– Understand your medical condition
– Obtain an expert second opinion
– Navigate the health care system
– Find a specialist right for you
– Ensure the right diagnosis & treatment
More Information
Please contact Member Services.
Mental Health
Who’s Eligible
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund.
The Benefits
Confidential Counselling for Mental Wellness allowing access to effective psychological treatment options designed to help with the following delivered virtually in the form of digital therapy sessions within the comfort and privacy of home.
Program provides rapid access to Cognitive Behavioral Therapy (CBT) with a psychologist for a wide range of psychological conditions including but not limited to:
.- Anxiety
– Addiction
– Depression
– Stress
– Substance Abuse
More Information
Please contact Member Services.
Expedited Healthcare - MRI / CT Scans
Who’s Eligible
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund.
The Benefits
Expedited Healthcare Services allowing those who are placed on a medical waitlist, immediate access to diagnostic scans (MRI / CT Scans / Ultrasound) and expedited specialist consultations with the cost fully covered.
Diagnostic Scans
– Magnetic Resonance Imaging (MRI)
– Computed Tomography Scan (CT)
– Ultrasound
– Endoscopy
– Colonoscopy
Specialists Covered
– Orthopedic
– Cardiologist
– Neurologist
– Gastroenterologist
– General Surgeon
– Ear, Nose & Throat (ENT)
– Ophthalmologist
– Urologist
– Rheumatologist
– Neurosurgeon
– Respirologist
– Podiatrist
– Gynecologist
– Endocrinologist
– Dermatologist
Surgeries (Eligible Active Members only)
– Orthopedic Surgery (ACL, elbow, foot, ankle, toe, wrist, hip, knee, and shoulder)
– General Surgery (cataract, ear, nose and throat, gallbladder and hernia)
More Information
Please contact Member Services.
Special Medical / Hospital Coverage While In Canada
Who’s Eligible
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund and are under the age of 70.
The Benefits
Life Maximum – $250,000 ($25,000 per occurrence) for Reasonable & Customary Hospital charges, fees, exams incurred in Canada while waiting for Provincial Health Plan coverage to become effective.
More Information
Please contact Member Services.
Emergency Out of Province Medical
Who’s Eligible
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund and are under the age of 99.
The Benefits
Per Trip Maximum – Under age 80: $5,000,000
Per Trip Maximum – Age 80 to 99: $2,500,000 (180 day pre-existing stability clause).
Period of Coverage – Maximum of 90 consecutive days per trip
More Information
Please contact Member Services.
Bereavement Pay
Who’s Eligible
Eligible Active Members who meet the eligibility requirements of the Trust Fund.
The Benefits
Benefit Maximum – $300 per day for a maximum of 3 consecutive business days for the loss of eligible family members.
More Information
Please contact Member Services.
Parental Leave
Who’s Eligible
Eligible Active Members who meet the eligibility requirements of the Trust Fund.
The Benefits
Benefit Maximum – $300 per day for a maximum of 3 consecutive business days for the birth of your child.
More Information
Please contact Member Services.
Jury Duty
Who’s Eligible
Eligible Active Members who meet the eligibility requirements of the Trust Fund.
The Benefits
Benefit Maximum – $200 per day for a maximum of 100 days for interruption of employment for Jury Duty.
More Information
Please contact Member Services.
Registered Education Savings Plan (RESP)
Who’s Eligible
Eligible Active Members who meet the eligibility requirements of the Trust Fund.
The Benefits
Life Benefit Contribution – $500 made payable to a RESP account on behalf of Member to their child or grandchild (affidavit required) born on or after January 1, 2017.
$100 for each child or grandchild born on or after January 1, 2000.
More Information
Please contact Member Services.
Member Family Assistance Program - Life Journey
Who’s Eligible
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund.
The Benefits
Confidential Counselling Services.
More Information
Please contact Member Services.
Substance Use & Addiction Treatment – Inpatient Services
Who’s Eligible
Eligible Active Members who meet the eligibility requirements of the Trust Fund.
The Benefits
Immediate access to residential treatment beds for all forms of mental health and substance abuse.
More Information
Please contact Member Services.
Substance & Recovery Program - SMART
Who’s Eligible
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund.
The Benefits
Substance Management & Recovery Program available online.
More Information
Please contact Member Services.
Canadian Addiction Treatment Centres – Opioid Program
Who’s Eligible
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund.
The Benefits
Substance Management & Recovery Program available online.
More Information
Please contact Member Services.
Virtual Healthcare - vCare
Who’s Eligible
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund.
The Benefits
Online platform for 24/7 Non-Emergency Medical Support.
More Information
Please contact Member Services.
Self Help Works
Who’s Eligible
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund.
The Benefits
Online training platform for Smoking Cessation, Weight Loss, Alcohol, Stress, Diabetes, Sleep, etc.
More Information
Please contact Member Services.
Health Coaching
Who’s Eligible
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund.
The Benefits
Confidential one-on-one coaching support and resources around diabetes and heart health.
More Information
Please contact Member Services.
Virtual Home Delivery Pharmacy
Who’s Eligible
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund.
The Benefits
Home delivery for prescription medications.
More Information
Please contact Member Services.
Financial Wellness Portal
Who’s Eligible
Eligible Active Members and eligible dependents who meet the eligibility requirements of the Trust Fund.
The Benefits
Access to tools and information to assist in education and providing guidance for financial goals and assist in alleviating stress from financial uncertainty.
More Information
Please contact Member Services.
Group Legal Benefits
Who’s Eligible
Eligible Active Members and eligible spouses who meet the eligibility requirements of the Trust Fund.
The Benefits
Wills, Power of Attorney, Real Estate, Separation Agreements, Divorce, Highway Traffic Act.
More Information
Please contact Member Services.