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Health and Welfare
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Health and Welfare
[widget type='FAQ'][Q]How many hours do I need to be in benefit?[/Q][A]This differs for each Trust Fund. All plans are unique. Contact your Welfare plan administrator at your local BPA office for further details on your specific plan.[/A][Q]How will I know once I have worked enough hours to be in benefit and therefore qualify for benefits coverage?[/Q][A]BPA will automatically send you a Notice of Coverage once the hour eligibility criteria have been met.[/A][Q]Will I know if I am no longer in benefit? [/Q][A]BPA will automatically send you a Termination Notice letting you know you either need to have hours reported from an employer or a self-payment is required to stay in benefit. Should neither of these occur, you will have your benefit coverage terminated.[/A][Q]What happens if I terminate my benefit coverage due to lack of hours worked and not having made a self-payment? [/Q][A]If you have not contacted your Welfare plan administrator within 30 days of receiving your Termination Notice then you will have to reinstate your benefit coverage through working hours. Most plans have time constraints regarding a member being able to reinstate benefit coverage. These time constraints may be different for your plan. If you regain benefit coverage through the plan reinstatement provision, your Welfare plan administrator will send you a Reinstatement Notice. Contact your Welfare plan administrator for further details.[/A][Q]What happens if I am no longer working for an employer, can I continue my benefit coverage? [/Q][A]Yes, most plans have a member self-payment option if you do not have hours being reported through your employer. Contact your plan Welfare administrator in your local BPA office for further details.[/A][Q]How long do I have benefit coverage?[/Q][A]If you maintain the monthly hours required to be reported, you will continue with benefit coverage. If you cease working and have accrued the maximum hour bank allowed, your coverage will continue until the hour bank is exhausted. Once your hour bank is exhausted you may self-pay if your plan allows for it.[/A][Q]How many self-payments am I allowed to make? [/Q][A]This depends on the provisions of your benefit plan as set up by the Board of Trustees. Contact your Welfare plan administrator in your local BPA office, if you wish details on your plan.[/A][Q]What happens when I turn age 65, can I maintain benefit coverage? [/Q][A]As each plan is unique in the design you will have to contact your Welfare plan administrator in your local BPA office for further details.[/A][Q]How do I change my address? [/Q][A]Contact your Welfare plan administrator in your local BPA office and ask that an application card be sent to you for your completion.[/A][Q]How do I change my dependants? [/Q][A]If you need to add/delete dependants contact your Welfare plan administrator at your local BPA office and an application card can be sent to you for completion.[/A][Q]How do I change my life insurance beneficiary designation?[/Q][A]You must contact your Welfare plan administrator in your local BPA office and an application card will be sent to you for completion.[/A][Q]What if I have reciprocal hours? [/Q][A]Your hours will be credited to you in accordance with the Reciprocal Agreement. To be sure that you are receiving credit for the hours you work, you may always contact your Welfare plan administrator in your local BPA office if you wish to verify that they have been received.[/A][/widget]

 

Pension
[widget type='FAQ'][Q]Can I get a copy of my pension statement? [/Q][A]Yes, contact your local BPA office and speak to your Pension plan administrator to verify the accuracy of the address on file.[/A][Q]What pension benefit am I eligible for? [/Q][A]As each member’s pension plan is different, you will have to contact your Pension plan administrator in your local BPA office who can explain your particular pension plan to you.[/A][Q]How do I complete my forms? [/Q][A]For the most part, forms are standard, however, each Pension Plan will have information required that is specific to that plan. For this reason, we suggest that if you have any questions that it would be best to contact your Pension plan administrator in your local BPA office if you have any questions regarding the completion of any pension forms.[/A][Q]Can I get an estimate of my pension benefit if I were to retire, terminate or die? [/Q][A]Yes, however you must contact the Pension plan administrator for an estimate to be forwarded to you. Some Members require approval from the Business Manager prior to an estimate being completed. Also, please be aware that BPA may not be able to provide you an estimate until you are within a couple months from retirement as there are Government mandated interest rates that are set only 2 months ahead of time.[/A][Q]How do I apply for a retirement/termination benefit? [/Q][A]You should contact the Pension plan administrator in your local BPA office for an application for benefits form to be sent to you. Once completed by yourself, and the Union, return the information to your Pension plan administrator and a formal retirement/termination package will be mailed to you.[/A][Q]How do I change my Pension Plan beneficiary designation? [/Q][A]You must contact the Pension plan administrator in your local BPA office for details on changing a pension plan beneficiary. Pension regulations are very stringent with respect to pension beneficiary designations.[/A][Q]Can I take some of my pension benefit out? [/Q][A]No. Pension benefits are only paid upon retirement, termination or death. There are vesting and locking in rules that are also applicable. If you wish to understand these rules further, you may contact your Pension plan administrator in your local BPA office for further information.[/A][Q]Is my pension benefit payable as cash? [/Q][A]No. If you are fully vested in the pension plan you will only be able to transfer a lump sum locked-in as per pension regulation guidelines. However, in some cases if the pension accrued is small, in accordance with guidelines set up by pension regulations, you may have a lump sum payout.[/A][Q] How long do I have to wait for my first monthly pension payment to arrive?[/Q][A]Pension payments are made through the Pension Plan Custodian. Once all paperwork has been properly completed and instructions forwarded onto the Pension Plan Custodian you should normally receive your first pension payment within approximately two to four weeks.[/A][/widget]

 

Claims
[widget type='FAQ'][Q]Where can I get a claim form? [/Q][A]You may contact your Claims Customer Service Representative in your local BPA office to have a claim form mailed to you, or you may obtain a generic claim form from this BPA website and print the form yourself.[/A][Q]Where do I mail my claim form? [/Q][A]The appropriate address will depend on several factors. If BPA has mailed you a claim form, the proper mailing address for you will already be on that form. If you are uncertain, you may call your Customer Service Representative in any local BPA office and they will assist you. Rest assured that if you mail your form to any BPA office, BPA will redirect the claim to the proper BPA location.[/A][Q]What if I have questions when completing my claim form? [/Q][A]If you have any specific questions, you may always contact your Customer Service Team for assistance with completion of the claim form.[/A][Q]How do I find out if a drug is covered?[/Q][A]Drug coverage is plan specific. There is no way to confirm here if a specific drug is covered or not. You will need to contact your Customer Service Representative in your local BPA office for further details.[/A][Q]Can I get a list of benefits covered under my benefit plan? [/Q][A]Yes. You may contact BPA or your Union office for a benefit booklet which will outline your coverage. Benefit booklets will not list specific drugs that may be covered, so you should call your Customer Service Representative in your local office if this is the information that you require.[/A][Q]Once I have sent in all the required documents and completed paperwork, how long will it be before I receive my payment? [/Q][A]Providing that BPA has received fully completed forms and that no further information is required to adjudicate your claim, you should normally expect that BPA will mail you your cheque within 10 business days. At certain times of year the volumes are higher or lower and the actual time frame will depend on the volumes at any given time.[/A][/widget]