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Overview of the Program The Employee Benefits Plan is designed for Interior Logging Association, Central Interior Logging Association and North West Loggers Association members, their employees, spouses and dependent children. This cost-effective benefits package focuses on the needs and concerns of the forest industry. It provides extended medical and dental coverage, as well as life, accident and disability insurance. The plan allows you to choose the best level of coverage for you and your employees - the Economy Plan, Basic Plan or Enhanced Plan. If you decide to participate, all your permanent, non-seasonal employees who work at least 20 hours per week must join the plan. Eligibility Association members of any size may participate from one-person operations to large companies. Employers with twenty or more employees are eligible to custom-design a plan. Contractors or sub-contractors who pay their own WCB premiums must be members of the logging association before they can participate in the Employee Benefits Plan. If you pay WCB premiums on their behalf, they can join the plan as your employees. Employee Benefits Plan Summary Medical Benefit The Extended Health Care benefit supplements the BC Medical Services Plan - it does not replace it. Eligible expenses include prescription drugs, paramedical services (chiropractor, physiotherapist, etc.) and private hospital rooms.
Any eligible expenses incurred in other provinces (outside BC) are reimbursed at 100%. For travel outside Canada, the plan provides emergency medical and hospital coverage based on reasonable and customary charges in the place where the treatment takes place. Dental Benefit The dental benefit helps employees and their families maintain healthy teeth and gums.
Life Insurance Each plan includes life insurance coverage, which pays a lump sum to the beneficiary if the employee dies from any cause.
Employees can purchase additional life insurance for themselves and their spouses at group rates, with the insurer's approval. They will have to complete a medical questionnaire. Accident Insurance If an employee dies as the result of an accident, the beneficiary receives an additional payment for the same amount as the life insurance payment.
If the employee loses a limb or loses the use of part of their body or is paralyzed as the result of an accident, they may receive part of this amount as payment for their injury. Short Term Disability If an employee is unable to work as the result of an non-work-related accident or illness, the Basic and Enhanced Plans pay 66 23% of his or her regular weekly earnings. The payments start on the first day of an accident or the sixth day of an illness.
Long Term Disability If the disability continues, Long Term Disability payments begin when the Shrot Term Disability payments end.
If the employee remains disabled for more than a year and cannot do any job for which he or she is educated, trained or qualified, the Long Term Disability payments continue. They end when the employee returns to work, retires, reaches age 65 or dies. |
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If you are involved in the forest industry - let the Interior Logging Association work for you! |