Accidental Death
Core Benefit- Member – $100,000*
- Spouse – $30,000
- Dependant Child – $4,000
- Members / Spouse / Dependent Children
- Coverage terminates at age 70
Accidental Dismemberment
Core BenefitPlease refer to the benefit booklet on specific coverage amounts.
- Members / Spouse / Dependent Children
- Coverage terminates at age 70
Ambulance / Nursing – Extended Health Care
Core BenefitNursing Services:
$5,000 lifetime maximum.
Ambulance:
Outpatient services.
Nursing:
Limb braces, crutches, prosthesis services, wheelchair, hospital bed or oxygen equipment.
Members / Spouse / Dependent Children
Athletic Therapist – Health Practioners
Core Benefit$90 per visit for eligible services up to the overall combined practitioner maximum of $1,500 per calendar year
Members / Spouse / Dependent Children
Bereavement Pay
Wage Replacement BenefitBenefit Maximum:
$200 per day
Benefit Duration:
Maximum of 3 business days within a 10-day period from date of death.
Members Only
Canadian Addiction Treatment Centre – Opioid Program
Mental Health & Substance Use BenefitThe Canadian Addiction Treatment Centre Opioid Program is an Outpatient Treatment Service for those looking for confidential opioid therapy and treatment.
Members / Spouse / Dependent Children
Cancer Assistance
Wellness BenefitSpecialized cancer care for immediate access to highly trained oncologists and experienced oncology nurses who work with patients and family to ensure right treatment is received.
Members / Spouse / Dependent Children
Chiropractor – Extended Health Care
Core Benefit$90 per visit for eligible services up to the overall combined practitioner maximum of $1,500 per calendar year
Members / Spouse / Dependent Children
Clinical Psychologist/Social Worker – Extended Health Care
Core Benefit$100 per visit for eligible services up to an overall combined maximum of $1,500 per calendar year.
Includes treatments by a Clinical Psychologist, Psychoanalyst, Psychotherapist, or Social Worker.
Members / Spouse / Dependent Children
Critical Illness
Disability Benefit- Member – $25,000
- Spouse – $5,000
- Dependent Child – $5,000
- Members / Spouse / Dependent Children
- Coverage terminates at age 70
De Novo Program
Mental Health & Substance Use BenefitThe De Novo Program is an alcohol and drug treatment service operated as a partnership between management and unionized members of Ontario’s construction trades.
Members / Spouse / Dependent Children
Dental Care
Core BenefitCalendar Year Maximum: $3,000 (per family member)
Reimbursement: 2025 O.D.A. Fee Guide
Member Advantage Card: Dental Reimbursement
Implant Calendar Year Maximum: $1,500 per family member
Orthodontics (Dependent Child Only): 60% – $3,000 Lifetime Maximum
See booklet for specific coverage details.
Members / Spouse / Dependent Children
Emergency Out Of Province
Enhanced BenefitBenefit Maximum:
- $5,000,000 Per Trip Maximum under age 80
- $2,500,000 Per Trip Maximum age 80 to age 99
Trip Duration:
- Under age 99 – Trips are limited to a maximum of 90 consecutive days.
- Age 99 & over – Contact LiUNAcare Local 506
- Members / Spouse / Dependent Children
- Coverage terminates at the attainment of age 99
Expedited HealthCare
Enhanced BenefitImmediate access to diagnostic scans such as MRI & CT Scans and specialist consultations
Members / Spouse / Dependent Children
Group Legal
Legal BenefitSee brochure for full coverage details.
Members only
Health Coaching
Wellness Benefit- Confidential one-on-one telephone access to dedicated professional for coaching support.
- Health goals include diabetes, heart health and mindful eating.
- Nutritional Assessments available.
Members / Spouse / Dependent Children
HealthCare Navigation
Enhanced Benefit- Health coaching platform with nurse navigator to aid navigating current healthcare system for serious and chronic diseases.
- Single point of contact throughout the diagnosis, treatment, and rehabilitation process.
Members / Spouse / Dependent Children
Hearing Aids – Extended Health Care
Core Benefit$1,500 benefit maximum every 36 months for one set of hearing aids when provided by a certified clinical audiologist in Canada including any replacement, repair charges and batteries.
Members / Spouse / Dependent Children
Hospital Cash
Enhanced BenefitBenefit Coverage:
- Daily Benefit Maximum of $150 per day
Benefits payable after:
- 3 consecutive days of hospitalization (starts the day you present yourself at the hospital)
Benefit duration:
- Maximum of 120 consecutive days
- Members / Spouse / Dependent Children
- Coverage terminates at age 70
Inpatient – Substance Use and Addiction Treatment
Mental Health & Substance Use BenefitThe Inpatient Substance Use and Addiction Treatment is a program for those seeking a residential bed for substance use and alcohol, drug, and prescription medication addiction.
Members Only
Jury Duty
Wage Replacement BenefitBenefit Maximum:
$200 per day
Benefit Duration:
Maximum of 100 days.
Members Only
Life Insurance
Core Benefit- Member – $100,000
- Spouse – $20,000
- Dependent Child – $20,000
- Members / Spouse / Dependent Children
- Coverage terminates at the attainment of age 75
Long Term Disability
Disability BenefitWeekly Benefit Maximum:
Maximum of $2,000 per month
Benefits are payable (waiting period) from:
52 weeks from the date of disability
Benefit Duration:
Maximum of 10 years, recovery, or the attainment of age 65
Integration:
26 Week Employment Insurance Sickness Benefits
- Members Only
- Coverage terminates at age 65
Massage Therapist – Extended Health Care
Core Benefit- $90 per visit for eligible services up to the overall combined practitioner maximum of $1,500 per calendar year.
- Treatments by a Massage Therapist must be prescribed by a licensed physician (M.D).
Members / Spouse / Dependent Children
Medical Braces – Extended Health Care
Core BenefitMedical Braces for Wrist, Elbow, Finger, and Ankle to a maximum of $250 per limb once every 3 years.
Members / Spouse / Dependent Children
Member Family Assistance Program
Mental Health BenefitConfidential Counseling Services
Members / Spouse / Dependent Children
mHEALTH Mental Healthcare
Mental Health & Substance Use Benefit- Confidential Online Platform for virtual real-time Cognitive Behavioral Therapy (CBT) sessions with a psychologist.
- Sessions up to 12 weeks from home via computer or handheld device.
- Access to educational materials.
- Assessments can be shared confidentiality & securely with primary care physicians or counsellors.
Members / Spouse / Dependent Children
MYConsult Second Opinion Medical
Enhanced BenefitOnline secured web platform to a medical second opinion program from the expertise of top Cleveland Clinic global specialists for prolonged or chronic illnesses without the time and expense of travel.
Members / Spouse / Dependent Children
Naturopath – Extended Health Care
Core Benefit$90 per visit for eligible services up to the overall combined practitioner maximum of $1,500 per calendar year
Members / Spouse / Dependent Children
Occupational Accidental Death
Core BenefitMember – $200,000*
- Members Only
- Coverage terminates at age 70
Occupational Accidental Dismemberment
Core BenefitPlease refer to the benefits booklet for specific coverage amounts.
- Members Only
- Coverage terminates at age 70
Occupational Therapist – Extended Health Care
Core Benefit$90 per visit for eligible services up to the overall combined practitioner maximum of $1,500 per calendar year
Members / Spouse / Dependent Children
Orthopedic Shoes – Extended Health Care
Core Benefit- 1 pair every 24 months to an overall maximum of $250.
- Custom made Orthopedic shoes (including repairs) must be prescribed by licensed physician (M.D.) or specialist).
Members / Spouse / Dependent Children
Orthotics – Extended Health Care
Core Benefit1 pair reimbursed at 50% up to a maximum of $400 every 24 months (must be custom made by a Foot Care Specialist and prescribed by licensed physician (M.D.) or specialist).
Members / Spouse / Dependent Children
Osteopath – Extended Health Care
Core Benefit$90 per visit for eligible services up to the overall combined practitioner maximum of $1,500 per calendar year
Members / Spouse / Dependent Children
Outpatient – Substance Use and Addiction Treatment
Mental Health & Substance Use BenefitThe Outpatient Substance Use and Addiction Treatment is a program for those seeking virtual treatment for substance use and alcohol, drug, and prescription medication addiction.
Members Only
Parental Leave
Wage Replacement BenefitBenefit Maximum:
$200 per day
Benefit Duration:
Maximum of 3 business days.
Members Only
Permanent Total Disability Accident
Disability BenefitMember – $200,000
- Members Only
- Coverage terminates at age 70
Physiotherapist – Extended Health Care
Core Benefit$100 per visit for eligible services up to the overall combined practitioner maximum of $1,500 per calendar year.
Treatments by a Physiotherapist must be prescribed by a licensed physician (M.D).
Members / Spouse / Dependent Children
Podiatrist/Chiropodist – Extended Health Care
Core Benefit$90 per visit for eligible services up to the overall combined practitioner maximum of $1,500 per calendar year
Members / Spouse / Dependent Children
Prescription Drugs – Extended Health Care
Core Benefit- Member Advantage Card
- 100% Reimbursement
- Opioids – Lifetime maximum of $5,000 for eligible opioids
- Smoking Cessation – One (1) course treatment up to a maximum of $350 per lifetime
- Medical Cannabis – $500 per calendar year, as per Health Canada Guidelines
- Vaccinations / Immunizations coverage up to a maximum of $250 per calendar year
- Semi-Private Hospital Coverage up to a maximum of 120 consecutive days
- Members / Spouse / Dependent Children
- Unlimited lifetime maximum
Self Help Works
Wellness BenefitOnline training program with video- based workshops to help with:
- smoking cessation
- weight loss
- alcohol consumption
- exercise motivation
- stress relief
- diabetes
- sleep restoration and more.
Members / Spouse / Dependent Children
Short Term Disability
Disability BenefitWeekly Benefit Maximum:
Maximum of $729 per week
Benefits are payable from:
1st day of accident or hospitalization of a minimum of 18 hours
8th day illness / disease / sickness
Benefit Duration:
Maximum of 52 weeks or to the attainment of age 65
Integration:
26 Week Employment Insurance
Sickness Benefits
- Members Only
- Coverage terminates at the attainment of age 65
SMART Program (Substance Management)
Mental Health & Substance Use BenefitThe Substance Management Abuse & Recovery Treatment (SMART) program is a confidential 24-hour, 7-day virtual online substance management and recovery program to assist with all forms of substance abuse.
Members / Spouse / Dependent Children
Speech Therapist – Extended Health Care
Core Benefit$200 per visit for eligible services up to a lifetime maximum of $10,000 for dependent children only.
Treatments by a Speech Therapist must be prescribed by a licensed physician (M.D).
Dependent Children
vCARE Virtual HealthCare
Enhanced Benefit- Confidential Online Platform for virtual 24/7 non-emergency personalized medical support through the mobile application.
- Instant access to connect with healthcare provider for primary health questions & concerns.
- Fill and refill prescriptions.
- Initiate specialist referrals and lab requisitions.
- Unlimited virtual consultations via text or chat.
- Updates sent securely and confidentiality to primary care physicians with consent.
Members / Spouse / Dependent Children
Virtual Home Delivery Pharmacy
Enhanced BenefitConvenience of home delivery for prescription medications sorted into daily packets to ensure correct daily dosage and auto renewing or prescriptions.
Members / Spouse / Dependent Children
Vision Care – Extended Health Care
Core Benefit- Maximum combined benefit of $400 per calendar year for eyeglasses (lenses/frames combined) or Contact Lenses.
- One (1) eye exam within the same calendar year up to a maximum of $125. Eye exam prescriptions will be valid for 24 months from the date of exam.
- Corrective Laser Eye Surgery: $1,500 / once per lifetime.
- Please refer to the benefit booklet on additional specific coverage amounts.
Members / Spouse / Dependent Children