Health Benefits

Benefit Summary

The Full Benefit Plan

  • Life Insurance (policy #161133) $100,000
  • Accidental Death & Dismemberment (Policy #BSC9028472002)

   Employees: $100,000

   Spouse: $20,000

   Each Dependent Child: $5,000

  • Weekly Indemnity (policy #52565) $750* per week, taxable

   or the maximum payment provided under EI*, whichever is greater

   *not to exceed 85% of pre-disability earnings

   Benefit Commences: 1st day for accident 4th day for illness

   Maximum Duration: 52 weeks for any one Disability

  • Long Term Disability (policy #161133) $3,500 per month, non-taxable

   Benefit Commences: after 52 weeks of continuous total disability

   Maximum Duration: to age 65

  • Extended Health Benefits (Policy #52565)

   90% reimbursement

   $1,000,000 maximum per lifetime

   $25 (Single) $50 (Family) calendar year deductible (applies only to drugs)

   Out of Country – 100% reimbursement, 60 days max, $5 Million max

   Terminates at age 75

  • Dental Benefits (Policy #52565)

   100% reimbursement on Basic Services

   100% reimbursement on Major Services

   No deductible

   $3,000 Dental maximum per family member per calendar year

   Orthodontia 75% reimbursement, $3,000 maximum every 24 months per eligible child

  • Employee and Family Assistance Program (Policy #7026)

   Immediate, confidential help for any concern

   1-800-268-5211 (English) or 1-800-363-3872 (French)

   www.workhealthlife.com

The Mini Plan

  • Life Insurance (policy #161133) $100,000
  • Accidental Death & Dismemberment (Policy #BSC9028472002)

   Employees: $100,000

   Spouse: $20,000

   Each Dependent Child: $5,000

   NOTE: All coverage terminates automatically at age 65, except for those Employees who remain actively at work under the

   Quality Control Council of Canada (Q.C.C.C.) Agreement.

QCCC National Post Retirement Health Benefits

Eligible Retired members will be covered immediately following normal retirement age, provided a Group Insurance Enrollment Card has been completed and submitted to the Administrator and all other requirements are met.

Learn more here

Direct Deposit

To set up your claims payments to be directly deposited into your bank account, click here


Eligibility

Q.C.C.C. Members will initially become covered for the Full Benefit Plan on the first day of the month following the month in which 120 hours are earned, provided the employer makes the appropriate contributions to the Plan.

Example: 120 hours earned in April provide coverage for May.

If an Employee working under the Q.C.C.C. Agreement earned less than 120 hours or is not a Union Member, and the employer has not contributed on his/her behalf for the Full Benefit Plan, then please refer to the last section of the HEALTH BENEFIT PLAN BOOKLET regarding the Mini Plan.

For continued coverage after initial qualification, the Employee must earn at least 90 hours per month. If a lapse in coverage occurs, the Employee must re-qualify with 120 hours.

NOTE: An enrolment card must be completed and forwarded to the Administrator’s office before any claims payment will be made. If dependents or a beneficiary changes, a revised card must be completed. The signed original enrolment card must be submitted to the Administratorfaxes or copies are not acceptable.

Office Personnel will be initially covered the first of the month following the date of becoming a permanent employee*, provided he/she is actively at work on that day.

Employees absent from work on their effective date, with the exception of statutory holidays or paid vacations, will become effective on the date they return to active full-time work.

Dependent Eligibility

Eligible dependents are:

Spouse: The legal spouse of the Employee, or, in absence of a legal spouse, the common-law spouse of the Employee.

*The cohabitation period required for a Common-Law Spouse is a minimum of a continuous 12-month period. Completion of the Common-Law Declaration form is required when adding a Common-Law Spouse, in addition to completing a new Benefit Plan Application for Enrolment and Beneficiary Designation form and a new Pension Plan Application for Enrolment and Beneficiary Designation.

Dependent Children: A person who is unmarried, dependent on an Insured Employee for financial support, and who is:

  1. a) a natural child of an Employee,
  2. b) a legally adopted child of an Employee,
  3. c) a foster child of an Employee or
  4. d) a step-child who lives with the Employee;
  5. and unless otherwise shown in a benefit, under:
  6. a) 21 years of age,
  7. b) unmarried children age 21 or over are also eligible provided they depend wholly on the Employee for support and maintenance and are full-time students in an educational institution;
  8. and a developmentally or physically disabled Dependent Child.

Employee & Family Assistance Program

For immediate and confidential assistance for you and/or your family members, 24 / 7 / 365.

Please refer to the BOOKLET for this specific benefit.

Instant chat with a counsellor, exchange written messages with a professional counsellor via secure online portal or by phone or in person.  www.workhealthlife.com  Find assistance for:

Health & Well-being

Your physical and mental well-being has a significant impact on your day-to-day life.

Family & Relationships

Physical Well-being

Mental Health

Emotional Well-being

Diseases & Conditions

Addictions

Career & Workplace

Let us help you manage your career, better handle workplace relationships and find work-life balance.

Coping With Change on the Job

Traumatic Events

Career Development & Continuing Education

Time Management

Workplace Leave

Stress/Burnout

Financial Security

We can all use a little help understanding and managing finances. Learn more through educational articles, resources and tools to support you in achieving financial well-being.

Will Preparation

Credit & Debt Management

Tax

Investing

Real Estate/Mortgages

Legal

Life Events

Find information on a wide variety of topics to better inform and support you during life events and times of change.

Parenting

Death of a Loved One

Getting Separated/Divorced

Having a Baby (or Adopting)

Getting Married (including common law)

Buying/Selling a House


Substance Abuse Rehabilitation Assistance

It is recognized that there will be circumstances where counselling alone is not enough to properly deal with alcohol or chemical dependency. The cost of obtaining the proper assistance can be more than you or your family is able to afford. If you or a family member suffers from alcohol or chemical dependency, the Plan may be able to offer you assistance with the cost of treatment. Please contact the PLAN ADMINISTRATOR to determine if you meet the required eligibility for coverage.

 

NDT Industry Health Benefit Plan

As an eligible member of our benefit plan, you and your family are protected from the high cost of prescription drugs, emergency medical treatment, dental expenses and wage loss when you are disabled and unable to work. The Plan is intended to bring a greater peace of mind and an increased feeling of security to you and your family.

Learn more here.

NDT Industry Pension Plan

As an eligible member of our pension plan, you can take comfort in knowing our pension plan is supporting the founders of our industry and providing a valued source of income for those who helped build this industry to what it is today. The Plan is a multi-employer defined contribution pension plan and all money contributed to the Plan is held in trust on your behalf.

Learn more here.

Training Fund

The QCC and NDTMA jointly administer an industry training fund which reimburses training and certification costs for member technicians. The Training Fund promotes constant education and upgrading of the QCC Members.

Learn more here.

Employer / Contractor Section

See this section for information and instructions on how to remit to the Plan(s) as a signatory contractor or employer.

Learn more here.