Health Care Plan eligibility is established by your hours of work
over a maximum 3 consecutive month period. Once you have completed
your second month of employment you should contact the Plan
Administrator’s Office to confirm that your Employer has reported
the hours you have worked. The Plan Administrator’s Office will
inform you about the Forms you must complete for Plan enrollment
purposes and any additional steps you should take to avoid any delay
with the commencement of your Health Care Plan coverage.
The Enrollment Applications are available from this website from
the "Downloadable Forms"
page or
you can contact A.R.M. Management Ltd., who will mail the
Enrollment Applications to you. The Enrollment Applications
may also be available from your Employer's Human Resources Department.
Yes and NO! Medical Services Plan of BC and Alberta Health Care
Insurance Plan coverage are compulsory for all residents of BC and
AB,
however, if you are already covered for this benefit under your family's
or spouse's group benefits program it is not necessary to apply for
duplicate Medical Services Plan of BC and Alberta Health Care
Insurance Plan coverage. As the Medical
Services Plan of BC and Alberta Health Care Insurance Plan are a taxable benefit, duplicate coverage will
result in unnecessary additional income tax liabilities to you.
If your Plan benefits have not commenced, there may be additional
information required by the Plan Administrator’s Office that you
have not yet provided or you may not be a “member in good standing”
of your Union. Please contact A.R.M. Management Ltd. to determine
why your Plan benefits have not commenced.
The Plan Member is responsible for notifying A.R.M. Management
Ltd., in writing, of any change to his/her mailing address,
telephone number, the addition or deletion of a dependent(s) or a
beneficiary designation change as well as time absent from work due
to paid vacation. All Forms necessary for these notifications are
available on this Website. Forms can be found in the
"Downloadable Forms" pages of this website!
Please promptly inform your Employer of your situation then
contact A.R.M. Management Ltd. to determine if you are eligible for
the Health Care Plan’s Accident & Sickness (Wage Loss) Benefit.
A.R.M. Management Ltd. can mail you a Claim Form or you can download
this Claim Form from this Website. Forms can be found in the
"Downloadable Forms" pages of this website!
There are presently 3 Health Care Plan benefits that are taxable
by the Canada Revenue Agency and for which a T4A will be issued
annually by the Office of the Plan Administrator to the eligible
Health Care Plan Member and mailed to the last known address:
1. Medical Services Plan of British Columbia and Alberta Health
Care Insurance Plan monthly premiums:
Effective January 1, 1973, the Canada Revenue Agency deemed that
Provincial medical premiums paid on behalf of eligible Plan Members
from a Health Care Plan funded with employer contributions
constituted a taxable benefit to the Plan Member for whom the
premiums were paid.
2. Accident & Sickness (Wage Loss) Short Term Disability
Payments:
Effective January 1, 1974, Accident & Sickness (Wage Loss) benefits
received from a Health Care Plan funded with employer contributions
constituted a taxable benefit to the Plan Member to whom the
Accident & Sickness (Wage Loss) benefits were paid.
3. Life Insurance and Dependent Life Insurance monthly premiums:
Effective July 1, 1994, the Canada Revenue Agency deemed that Life
Insurance and Dependent Life Insurance premiums paid on behalf of
eligible Plan Members from a Health Care Plan funded with employer
contributions constituted a taxable benefit to the Plan Member for
whom the premiums were paid.
The "Application for Payment of Pension Plan Credits
(Retirement)" Form is available on this website from the
"Downloadable Forms" page or you can contact the Plan Administrator,
A.R.M. Management Ltd., who will mail the Retirement Application to
you.
The Plan Administrator’s Office is entitled to collect from Plan
Members all Personal Information necessary to administer the Health
Care and Pension Plans, inclusive of the Member’s full name, date of
birth and Social Insurance Number. Your Personal Information is
collected and maintained by the Plan(s) subject to Personal
Information and Privacy Guidelines. By enrolling in the Plan(s) and
providing Personal Information you consent to the use and disclosure
of your Personal Information for all purposes for the administration
of the Plan(s) and adjudication of your benefits. The Plan(s) will
not sell, disclose or share your Personal Information for any other
purpose. A current copy of the Personal Information and Privacy
Guidelines is available from the Plan Administrator’s Office upon
request or can be downloaded from this Website.
Please click here!
A fully completed “Health Care Plan
Enrollment and Beneficiary Designation Card” on file with
the Plan Administrator, A.R.M. Management Ltd. is necessary to
commence your Health Care Plan benefits coverage.
A Prescription Drug Card cannot be printed unless all of the
necessary personal information, inclusive of the Date of
Birth of the Plan Member and each eligible dependent, is
known to the Plan Administrator.
A “Health Care Plan Enrollment and Beneficiary Designation Card”
can be found on this Website under the “Downloadable Forms”
button.
If you have worked sufficient hours to establish Prescription
Drug Card eligibility and have previously completed an Health
Care Plan “Enrollment and Beneficiary Designation Card”, but a
Prescription Drug Card was still not printed, it is likely some
vital personal information is missing from your Enrollment
document.
Please contact the Plan Administrator, A.R.M. Management Ltd.,
to determine what further information is required in order to
commence your Prescription Drug Card account.
Please contact the Plan Administrator’s Office (A.R.M.
Management Ltd.) immediately. A replacement Prescription Drug Card can be
provided in approximately 2 weeks. Prescription drug claims incurred
while waiting for your replacement Prescription Drug Card should be submitted to
A.R.M. Management Ltd. where they will be authorized by the Plan
Administrator and then directed to Manulife Financial where they
will be processed manually. The form necessary to apply for a
replacement Prescription Drug Card is available from the Downloadable Forms area
on this Web-site.
The NORMAL RETIREMENT AGE (NRA) of the UNITE HERE Local 40
Pension Plans is sixty-five (65), [UNITE HERE Local 47 Pension Plan
is sixty-two (62)].
However a member may commence to receive a pension, at any time on
or after the date that is ten (10) years prior (age 55 or 52) to the
Normal Retirement Age of the Pension Plan.
An EARLY RETIREMENT PENSION that commences before the Normal
Retirement Age (65 or 62) will be reduced in comparison with what
would have been payable had it commenced at the Normal Retirement
Age, by .5% for each month the Early Retirement Pension commences
prior to the Normal Retirement Age of the Plan.
Therefore an Early Retirement Pension commencing 2 years prior to
the Normal Retirement Age would be reduced by 12% (24 months x .5%).
If a Pension Plan Participant becomes totally and permanently
disabled, they may receive their full accrued pension if they:
• have at least ten years of continuous service, and
• are a Participant who is at least 55 years of age.
They must supply medical proof of their total and permanent
disability, satisfactory to the Board of Trustees, to the Plan
Administrator’s Office.
Disability pensions will not be reduced because of age and it will
be paid to the retired member for their lifetime.
Yes, however retired members receiving a monthly pension who
return to work with a participating Pension Plan employer(s) have
the choice of one of the following two options regarding their
monthly retirement pension payments:
(a) Continue to receive the monthly pension but accrue no additional
pension credits, or
(b) Suspend their monthly retirement pension payments during the
period of re-employment and upon the resumption of retirement receive
an adjusted monthly pension which will consist of the original
pension amount, plus the additional pension credits earned during
the re-employment period.
Pension payments must commence by December 1st of the calendar year
in which age 71 is reached regardless of employment status.
A retired member receiving a monthly pension from this Plan who is
age 71 or older at the time of re-employment with a participating
employer, will not be eligible for the option to suspend monthly
pension payments and earn additional monthly pension credits.
