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CENTRAL INTERIOR LOGGING ASSOCIATION |
Employee
Health Benefit Plans   _________________________________________________________________ The CILA, ILA,NWLA with Mercer Human Resource Consulting brings members a reasonably priced, comprehensive Health Benefit Plan. Browse through the plan and contact our office or Mercer Human Resource Consulting directly at (604) 683-6761. ________________________________________________________________ |
| Who is
eligible to join? The Employee Benefit Program is available to Central Interior Logging Association, Interior Logging Association, and North West Loggers Association members. As an industry-run plan, it will focus on your specific needs and concerns. |
| How many
employees do I need to join? There is no minimum number of employees. The plan is available to all full-time employees, from a one-person operation to companies with hundreds of employees. |
| Available Benefits |
 Life
InsuranceIn the event of death by any cause, the employee's beneficiary will receive a benefit amount of $10,000 Economy Plan, $50,000 Basic Plan & Enhanced Plan $75,000. Members can buy additional coverage at group rates, if the insurer approves. |
| Accidental Death &
Dismemberment Should the employee die accidentally, his or her beneficiary will receive an additional $10,000 Economy Plan, $50,000 Basic Plan & Enhanced Plan $75,000. Part of this entire amount may be payable if an employee is dismembered or paralyzed by an accident. Greater amounts are available at the employee's discretion. |
| Extended Health Care The Extended Health Care benefit is designed to supplement, not replace, BC Medical Services Plan coverage. The deductible is $50 per family per calendar year under all plans. $5 per prescription deductible under all plans. After the deductible is satisfied, the plan will reimburse the employee for 80% of eligible in-province expenses, and 100% of eligible out-of-province expenses. Eligible expenses include prescription drugs, paramedical services (chiropractor, physiotherapist, etc.), semi-private hospital and out-of-Canada emergency coverage. |
| Vision Care The Enhanced Plan (only) reimburses Vision Care expenses to $150 every 24 months. |
| Dental
Care The plan will reimburse the employee for 80% of all Basic Services such as checkups, x-rays, cleaning and fluoride treatments and fillings, and for 50% of all major services such as crowns and bridgework. The annual combined maximum for economy & basic plans is $1,200 per person. The Enhanced Plan pays up to $1,300 annually, and reimburses 50% of dependant children's orthodontic expenses, to a lifetime maximum of $2,000. |
| Long
Term Disability If the employee remains disabled from an accident or illness, and is unable to perform his or her own job, the plan will pay 66.6% of regular monthly earnings, to a maximum of $1,400 on Basic Plan & $1,600 on the Enhanced Plan. The benefit payments begin after 52 weeks of disability (Enhanced Plan--after 26 weeks). After one year of disability, if the employee remains disabled and unable to perform any job for which he is educated, trained or qualified, benefit payments will continue until he reaches age 65, returns to work, retires, or dies, whichever is earlier. |
| Weekly
Indemnity If an employee is disabled by a non-work related accident or illness and cannot work, the plan will pay 66.6% of regular weekly earnings, to a maximum of $413 (Enhanced Plan-$600). Benefits start from the 1st day of an accident or 6th day of illness and continue for up to 52 weeks (Enhanced Plan-26 weeks). |
| Medical
Travel (within Canada)* If an employee has to travel 1,000 km or more (round trip), to receive care recommended by a physician, the plan will reimburse up to $2,000 (lifetime) for transportation and lodging, for the patient and a travel companion. *The above forms a part of the basic and enhanced EHC benefit for CILA and NWLA members only. |
How much do the plans cost? * Economy Plan monthly premium is $111.00 * Basic Plan monthly premium is $192.75 * Enhanced Plan monthly premium is $233.62 * Owners/Managers Plan by Individual. |
| Do all my employees have to
join? An employee who has Health or Dental coverage through a spouse's benefit plan, may opt out of the Health and Dental benefits only and enroll in the other benefits provided in the plan. |
| Does the employee have to pass a medical
exam to enroll? No. Medical information is not required for enrollment in the Employee Benefit Program. An employee who applies for additional Optional Life coverage must fill out a medical questionnaire. |
| Are employees covered while on vacation in
the USA? Yes. The plan provides coverage worldwide, beyond that provided by the BC Medical Services Plan, for hospital and physicians up to what is reasonable and customary in the area where treatment is received. |
| What if an employee
has an accident while snowmobiling and can't work for a
while? The Weekly Indemnity coverage will pay 66.6% of regular weekly pay, up to 26 or 52 weeks depending on the plan chosen. If the employee remains disabled thereafter, the employee may apply for Long Term Disability benefits. |