Accident & Sickness (Wage Loss) Benefit:

The Accident & Sickness (wage Loss) Benefit is included in all of the Union/Employer Benefit Plan. Please refer to your Employer's Benefit Summary for additional information.

Dental Care Benefit:

The Dental Care Benefit is included in all the Union/Employer Benefit Plan. Please refer to your Employer's Benefit Summary for additional information.

Extended Health Care Benefit:

The Extended Health Care Benefit is included in all the Union/Employer Benefit Plan. Please refer to your Employer's Benefit Summary for additional information.

Vision Care Benefit:

The Vision Care Benefit is included in all the Union/Employer Benefit Plans. Please refer to your Employer's Benefit Summary for additional information.

Life Insurance Benefit:

The Life Insurance Benefit is included in all the Union/Employer Benefit Plans. Please refer to your Employer's Benefit Summary for additional information.

Group Life Insurance Conversion Privilege:

The Canadian Life and Health Insurance Association (CLHIA) has established guidelines that describe the conditions under which a group Health Care Plan member may continue their Life Insurance coverage on their own when their group life insurance ends.

The group Life Insurance “conversion option” allows members, on or before their 65th birthday, to convert their existing Group Life coverage to an Individual policy without providing “Evidence of Insurability”.

Group Insurance Plan members must submit their application for the “conversion option” to Manulife Financial within 31 days of the termination of their Group Life coverage in order to be eligible for the “conversion option”.

Please contact A.R.M. Management Ltd., your group Health Care Plan Administrator for more information about the “Life Insurance Conversion Privilege”.

Accidental Death & Dismemberment Benefit: 

The Accidental Death & Dismemberment Benefit is included in all the Union/Employer Benefit Plans. Please refer to your Employer's Benefit Summary for additional information.

Dependent Life Benefit:

The Dependent Life Benefit is included in all the Union/Employer Benefit Plans. Please refer to your Employer's Benefit Summary for additional information.