Tom's Journey

Q. What happens when Tom receives an email about his hour bank coverage?

Q: Who is eligible to join the Benefits of Film plan?

Q: Can I add a new spouse or child to my coverage?

Q: Can I coordinate benefits if I’m covered by another plan?

Q: What requirements are there for adding a common-law spouse?

Q: Is a member’s family covered at work, home, or on vacation?

Q: What steps do I need to take if I have a new family member?

Q: Who qualifies as a dependent child?

Q: What happens to my spouse’s coverage if we divorce?

Q: How can I update my beneficiary information?

Q: What should Tom do if he moves or changes his email address?

Q: How does Tom maintain his hour bank?

Q: How can Tom find the forms he needs and check his hour bank status?

Q: How can I reinstate my coverage if it ends?

Q: What should Tom do if he receives a shortage notice?

Q: What coverage levels are available in the Active Plan, and how are they determined?

Q: Who manages the Benefits of Film plan?

Q: How is the Benefits of Film plan managed?

Q: What does “self-insured” mean for the Benefits of Film Plan?

Q: What if Tom works under another IATSE or DGC contract?

Q: What happens to my Benefits of Film coverage if I leave Local 891?

Q: What support is available if I am suspended from the union?

Q: What if Tom receives Employment Insurance or Social Assistance?

Q: Who is eligible for the 60+ Plan?

Q: Who can I contact for help understanding my 60+ Plan benefits?

Q: What types of health benefits are included in the 60+ Plan?

Q: What is the minimum number of hours required to qualify for the 60+ Plan?

Q: When does my 60+ Plan coverage begin, and how long does it last?

Q: Can I coordinate benefits if I have other health insurance?

Q: How can I update my beneficiary information under the 60+ Plan?

Q: Can I re-enroll in the 60+ Plan if I leave and later want to return?

Q: Can I add a new spouse or dependent to my 60+ Plan coverage?

Q: What happens to optional life insurance if I or my spouse dies?

Q: What happens if someone dies in an accident?

Q: What other benefits are included in Tom's accident insurance plan?

Q: What happens if someone dies in a car accident, even while using a seat belt or airbag?

Q: How would the Bereavement Benefit help after an accident impacts someone emotionally?

Q: What happens if the spouse wants to go back to school after a member's death?

Q: How does the Child Educational Benefit help a child if someone in their family dies in an accident?

Q: How would the Daycare Benefit help the family after a tragic accident?

Q: What happens if someone dies in an accident and their elderly parent is dependent on them?

Q: Are my family members eligible for EFAP after my death?

Q: Is there a death benefit included in the Benefits of Film plan?

Q: What happens if a member dies far from home?

Q: What happens to 60+ Plan coverage if a member passes away?

Q: Are there any exclusions or limitations in the 60+ Plan?

Q: What should Tom's family do if he dies due to an accident?

Q: What limitations apply to optional life insurance for suicide?

Q: What happens if Tom has an accident and dies before age 65?

Q: Is Tom's accident insurance coverage limited to work-related incidents?

Q: Does someone’s health history affect accident insurance coverage?

Q: What disability benefits are available if Tom is unable to work due to illness or injury?

Q: What if someone suffers severe burns during an accident?

Q: What if someone is seriously injured but survives the accident?

Q: What is covered under medical services for ambulance use?

Q: What if someone is injured during a carjacking?

Q: What activities of daily living does the disability benefit cover?

Q: What if someone falls into a coma after an accident?

Q: What happens if someone suffers a permanent and total disability after an injury?

Q: What is the Family Transportation Benefit?

Q: When do Short-Term Disability benefits end?

Q: How does the Workplace Modification and Accommodation Benefit help?

Q: Can Tom receive disability benefits if he’s not covered by the hour bank?

Q: What happens if Tom returns to work but his disability recurs?

Q: Is there benefit coverage for serious illness (other than cancer)?

Q: What is IATSE’s policy on union dues during medical leave?

Q: How is home nursing care covered?

Q: What happens if Tom needs to travel during his disability?

Q: What prosthetic equipment is covered?

Q: Does the plan cover respiratory equipment like CPAP machines?

Q: Are diabetic supplies covered, and if so, what’s included?

Q: What documentation is required for orthopedic shoe claims?

Q: What happens if Tom returns to work but his disability recurs?

Q: How does Tom’s transition from short-term to long-term disability work?

Q: How much does Tom receive from the long-term disability benefit?

Q: How does rehabilitation support work if someone needs occupational therapy?

Q: Does the 60+ Plan provide any disability support?

Q: Does the 60+ Plan cover hearing aids?

Q: How does diagnostic dental care help members and their families?

Q: What preventive services are included in the plan?

Q: What minor restorative services are covered if someone needs fillings or crowns?

Q: What endodontic (root canal) services are included?

Q: How does the plan help with gum care and periodontal services?

Q: What denture services are available if someone needs them?

Q: Are bridgework repairs included in the plan?

Q: How does the plan cover adjunctive services for emergency dental pain relief?

Q: What oral surgery services are included in the plan?

Q: What major dental services are covered, like crowns?

Q: How are dentures covered under the plan?

Q: What periodontal appliances are covered?

Q: What is covered under the veneer benefits?

Q: How does orthodontic coverage work under the plan?

Q: What dental benefits are available under the 60+ Plan?

Q: What types of dental services are not covered?

Q: Is laser eye surgery covered under the 60+ Plan?

Q: What vision care benefits are available under the 60+ Plan?

Q: How are Tom’s long-term disability benefits affected by other sources of income?

Q: When do Tom’s long-term disability benefits end?

Q: How can Tom access support when needed?

Q: What kinds of counselling services does EFAP offer?

Q: How do I access work-life services through the EFAP?

Q: Who can access EFAP services?

Q: What work/life services are available through the EFAP?

Q: How many counselling sessions are available under EFAP?

Q: What mental health services are covered under paramedical services?

Q: Does the insurance cover psychological therapy if someone is struggling after an injury?

Q: Does EFAP provide referrals for more specialized care?

Q: How many EFAP sessions are provided per case?

Q: What happens if someone needs more counselling beyond the EFAP’s sessions?

Q: Does the 60+ Plan provide mental health support?

Q: Do I need to make payments to maintain coverage in the 60+ Plan?

Q: Is chiropractic care covered under the 60+ Plan?

Q: Is home nursing care covered under the 60+ Plan?

Q: Are podiatry services covered under the 60+ Plan?

Q: What paramedical services are covered under the 60+ Plan?

Q: Does the 60+ Plan include access to Teladoc services?

Q: What support is available through the Employee and Family Assistance Program (EFAP) under the 60+ Plan?

Q: Does the 60+ Plan cover ambulance and emergency transport services?

Q: Does the 60+ Plan cover medical expenses incurred outside of the province or country?

Q: What medical supplies and equipment are covered under the 60+ Plan?

Q: How does the 60+ Plan handle pre-existing conditions?

Q: How do I make an online claim for healthcare expenses?

Q: How long do I have to submit a claim after a healthcare expense?

Q: What if I have questions about coverage or claims?

Q: What should I do if my Benefits Card is not accepted at the pharmacy?

Q: What are the deadlines for submitting health and dental claims under the 60+ Plan?

Q: How does switching between the Active plan and 60+ plan work?

Q: Does the 60+ Plan provide coverage for medical emergencies while traveling?

Q: What is Teladoc, and how can I access it?

Q: Who is eligible for Teladoc's mental health navigator services?

Q: What services are provided under Teladoc's 'Ask the Expert'?

Q: What accommodations are covered in nursing homes?

Q: What is the maximum coverage for hearing aids?

Q: Are orthopedic shoes and orthotics covered?

Q: Are outdoor wheelchair ramps covered?

Q: Are wigs for cancer patients covered?

Q: How does dental claim coordination work for children of separated parents?

Q: What are the maximum claim periods for dental expenses?

Q: What types of coverage are available for medical services?

Q: Can I continue optional life insurance if I switch to the 60+ plan?

Q: How do I submit a claim under the 60+ Plan?

Q: Does the 60+ Plan provide life insurance coverage?

Q: Does the 60+ Plan cover orthodontic treatments?

Q: What should I do if my claim is denied under the 60+ Plan?

Q: Does the 60+ Plan cover preventive dental care?

Q: What does the Base Drug Plan cover?

Q: How does prescription drug reimbursement work in the 60+ Plan?

Q: How can I check if my medication is covered under BC Fair Pharmacare?

Q: What are Special Authority drugs, and how do I get approval?

Q: What does the Supplementary Drug Plan cover?

Q: Does the plan cover medical cannabis?

Q: How do I get approval for medical cannabis?

Q: What are the drug supply limits under the 60+ Plan?

Q: What prescription drug coverage is available under the 60+ Plan?

Q: How do I submit drug claims online?

Q: Does the 60+ Plan include coverage for vaccinations?

Q: Are fertility drugs covered under the family planning benefit?

Q: Are fertility drugs covered under the Supplementary Drug Plan?

Q: Are genetic testing and analysis covered under the family planning benefit?

Q: Is post-treatment counseling covered under the Family Planning Benefit?

Q: Does the family planning benefit cover surrogacy?

Q: Does the Family Planning Benefit cover fertility preservation?

Q. Who is eligible for the gender affirmation benefit?

Q. Does the plan cover facial feminization or masculinization procedures?

Q: What are some additional gender-affirming procedures covered?

Q. Is there a lifetime maximum for gender-affirming procedures?

Q. Is there coverage for mental health services related to gender affirmation?

Q: Does the plan cover the cost of medications related to gender-affirming procedures?

Q: How do I file a claim for travel-related medical expenses?

Q: Are pre-existing conditions covered under travel insurance?

Q: What happens if I don’t use the funds in my HCSA?

Q: Is suicide covered under the benefits plan?

Q: Are injuries I cause myself, like self-inflicted wounds, covered?

Q: Does the plan cover injuries sustained during acts of war or related situations?

Q: Are illnesses or medical conditions covered if they lead to loss or injury?

Q: What if I’m injured during surgery or medical treatment?

Q: Are accidents involving aircraft covered?

Q: Are infections covered under the benefits plan?

Q: What if I’m injured while on active duty in the armed forces?

Q: Are accidents involving alcohol or drugs covered under accidental insurance?

Q: Are injuries from criminal activities covered under Accidenral Benefits?

Q: Are duplicate x-rays or custom fluoride appliances covered?

Q: Are root canal services for primary teeth covered?

Q: Are periodontal appliances or desensitization treatments covered?

Q: Are cosmetic veneers or crown recontouring covered?

Q: Are replacements for lost or stolen appliances covered?

Q: Are benefits paid if I’m covered by self-payment at the time of disability?

Q: Are benefits paid if I wasn’t covered when my disability occurred?

Q: Are disabilities resulting from acts of war or civil unrest covered?

Q: Are benefits paid during periods covered by EI maternity/parental leave?

Q: Are benefits paid if I’m working during my disability?

Q: Are benefits paid if I’m confined in prison?

Q: Are disabilities caused by cosmetic treatments covered?

Q: Who is eligible for the critical illness benefit?

Q: What critical illnesses are covered?

Q: What does Global Medical Assistance cover?

Q: What does Medical Referral Travel in Canada cover?

Q: What does Out-of-Country Emergency Care cover?

Q: Is non-emergency treatment outside Canada covered?

Q: How can I maintain benefits during maternity or parental leave?

Q: What is required to access maternity or parental leave benefits?

Q: What if my hour bank falls below 140 hours during leave?

Q: How can I get my disability tax slip from Canada Life?