About

It is absolutely essential that you complete an Application/Enrollment Card, which you can obtain from your Administrative Agent or online at www.ccwucare.com. On this card, you name the beneficiary/beneficiaries, to whom your Life Insurance should be paid, in the event of your death. Retirees should list all dependents that are eligible for insurance.

If you have already completed an Application/Enrollment Card and you have no desire to change your beneficiary/beneficiaries, it is not necessary for you to complete another card. You may change your named beneficiary/beneficiaries, subject to Provincial Law, by written request, filed with the Administrative Agent. The change will take effect as of the date such request was executed, but without prejudice to the Plan for any payment(s) made before such request is received by the Administrative Agent.

Please be sure to fully complete and sign the Application/Enrollment Card and return it to the Administrative Agent. It is extremely important that a completed Application/Enrollment Card be on file, since claims cannot be paid on behalf of you, or your eligible dependents.

After your insurance becomes effective, it is necessary for you to notify the Administrative Agent of any change in your dependent or marital status. This information is necessary so that your coverage can be adjusted accordingly.

This Plan is for Retirees:

• who are 55 years of age or older at the date of retirement.
• who are in good standing with the Canadian Construction Workers Union for a minimum of 5 consecutive years prior to your date of retirement and maintain a member in good standing status with Canadian Construction Workers Union.
• who are collecting a Pension with the Canadian Construction Workers Union Pension Plan at the date of your retirement or be retired and receiving a pension from the Canadian Pension Plan.
• who are insured under a provincial Health Insurance Plan at the date of retirement.
• Not actively or gainfully employed elsewhere and/or working contrary to the interest of the Canadian Construction Workers Union.
• Prior to enrolling in the CCWU Retiree Plan, if retiree has an accumulated dollar bank under the Canadian Construction Workers Union Benefit Trust Fund, they will exhaust their eligibility under the Canadian Construction Workers Union Benefit Trust Fund (maximum of 18 months and then enroll in the CCWU Retiree Benefit Trust.)
• Members must apply on the first day if the next month you cease to be eligible as an active member of Canadian Construction Workers Union Benefit Trust Fund, provided you remit the required monthly contributions, on an uninterrupted basis.

INITIAL BENEFIT COVERAGE

Retirees must apply for coverage under the Plan within 45 days from the retirement date or upon the exhaustion of any hour banks under the Canadian Construction Workers Union Benefit Trust Fund and will become eligible for benefits provided by the Plan as Follows:

• On the first day of the next month you cease to be eligible as an Active Member of the Canadian Construction Workers Union Benefit Trust Fund Fund provided you remit the required monthly contribution, on an uninterrupted Basis.
• If you have hours in your hour bank account with the Canadian Construction Workers Union Benefit Trust Fund, you can enroll once you have exhausted these hours and your coverage terminates under the Canadian Construction Workers Union Benefit Trust Fund up to a maximum of 18 months. You will receive an enrolment package 60 days before your hours will exhaust.
• Retiree Benefit Plan Coverage continues automatically for each month for which you make your required monthly contribution, uninterrupted, paid to the Canadian Construction Workers Union Benefit Trust Fund and submitted to the Administrative Agent.
• Continue to maintain a Good Standing membership with Canadian Construction Workers Union Benefit Trust Fund uninterrupted from the date of Retirement.

If you do not elect Retiree benefit coverage within 45 days of your retirement date or upon the exhaustion of any hours in your Hour Bank Account, you will not be eligible to enrol or participate at a later date.

TERMINATION OF COVERAGE

Coverage for you and your dependents will terminate on the earliest of, the date:

• On the last day of the month that you stop making premium payments or are not eligible to make future premium payments;
• If you cease to be a member in Good Standing of Canadian Construction
• Workers Union;
• Coverage for your eligible dependents will terminate on the date such dependents, ceases to be eligible;
• You enter Military Service;
• The date the Plan is discontinued.

Extended Health Care, Vision Care, Dental Care, and Emergency Out of Province Medical Coverage benefits will continue beyond the date of your death while payments for such coverage are made by the Trust Fund on behalf of your eligible dependents, provided you were eligible for benefits at the date of death, but not beyond the earliest of:

• The date such dependents cease to be eligible.
• The date your surviving spouse remarries (children will continue to be covered).
• The date of your surviving spouse’s death.
• The date coverage for your dependents terminates as per the definition of dependent or for any other reason.
• The date your child attains the age of 21 or the age of 25 provided they are attending an accredited school, college, or university as a full time student.