LCC Worker Benefit Plans

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FAQs

  1. What if I’m going on an extended holiday?
  2. Who do I contact at ManuAssist in case of a medical emergency while traveling?
  3. What is a "stable" health condition and would I be covered for travel insurance?
  4. Do I need a Canadian bank account to receive my pension cheque?
  5. How can I get more than a 90 day supply of my prescription?
  6. What if I marry after I retire?
  7. What do I do if my address changes?
  8. Who do I notify if I change my bank account?
  9. Why is the monthly pension payment from CIBC less than what the Worker Benefit Plans office told me I would receive?
  10. Can I work part-time after I retire?
  11. What is an Explanation of Benefits (EOB)?
  12. What is a Pharmacare Plan?
  13. What is covered under my Provincial Health Insurance Plan?
  14. How do I know for sure whether something is covered?

 

What if I’m going on an extended holiday?

If you are planning a trip for more than 31 days, you will need to purchase private “Top-Up Insurance” for Medical Coverage. Your LCC Travel Insurance only covers you and your dependents for 31 days per trip.

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Who do I contact at ManuAssist in case of a medical emergency while traveling?

Call or have someone call the ManuAssist 24 hour Emergency Travel Assistance Hotline within 24 hours if an emergency occurs. In Canada and the United States call 1–800–265–9977. This number is also found on the back of your Manulife Member Card. Please be sure to carry the card with you while traveling. A number of other emergency contact numbers for other countries are listed in the Emergency Travel Assistance Brochure.

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What is a "stable" health condition and would I be covered for travel insurance?

To be considered medically-stable under your plan, during the 90 days leading up to your departure, you/your dependent must not have:

  • Been treated or tested for any new symptoms or conditions;
  • Had an increase or worsening of any existing symptoms;
  • Changed treatments or medications (other than normal adjustments for ongoing care);
  • Been admitted to the hospital for treatment of the condition.

Coverage is not available if you have scheduled non-routine appointments, tests or treatments for the condition or an undiagnosed condition.

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Do I need a Canadian bank account to receive my pension cheque?

LCC pension benefit can be paid to you anywhere in the world, however, if you leave Canada you are subject to a non-resident withholding tax.

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How can I get more than a 90 day supply of my prescription?

Print out a copy of the Manulife Extended Prescription Form, fill in the appropriate sections and mail or fax it to Manulife as directed on the form.

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What if I marry after I retire?

Dependents that are covered at the time of your retirement are the only ones that will be covered in your retirement.

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What do I do if my address changes?

It is very important to notify us of any change in address as soon as possible in order that your pension cheque and other important information reach you. To notify us of an address change, please email or phone the Worker Benefit Plans Office c/o Ellement Consulting Group with your new address and we will be sure to pass the information on to CIBC Mellon if you haven’t already done so.

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Who do I notify if I change my bank account?

You can contact CIBC Mellon directly with any information or changes to your bank account if you are receiving your monthly pension payments by direct deposit.

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Why is the monthly pension payment from CIBC less than what the Worker Benefit Plans office told me I would receive?

Your pension is taxable income and therefore subject to a source deduction. Make sure you have completed a TD1 form so that the proper amount of income tax is deducted. If you are a non-resident of Canada, your pension payment will be subject to a non-resident withholding tax. Each year, CIBC will provide you with a tax slip showing your gross pension amount received and tax deducted.

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Can I work part-time after I retire?

Yes, you can work full or part-time after you retire and collect your pension. If you under the age of 71 and you return to work full-time you will be enrolled in the Defined Contribution Pension Plan. If you are under the age of 71 and your return to work on a part-time basis, working less than 24 hours per week, you will be enrolled in the Defined Contribution Plan, if you earn at least 35% of the YMPE in each of two consecutive calendar years. If you are over the age of 71 when you return to work, you will continue to collect your pension, however, you are no longer eligible to earn a pension benefit for your service. (Canada Revenue Agency does not permit the earning of pension beyond the end of the year in which you turn age 71.).

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What is an Explanation of Benefits (EOB)?

It is the statement of benefits paid or expenses reimbursed under an insurance plan. This statement is provided by the Insurance Company along with the payment. You will need this statement if you are coordinating the benefits of two plans.

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What is a Pharmacare Plan?

Some provinces have Pharmacare Plans which subsidize eligible prescription drugs and designated medical supplies, protecting its eligible residents from high drug costs. In some provinces Pharmacare registration is required. Contact your Provincial Pharmacare Program for more information.

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What is covered under my Provincial Health Insurance Plan?

Your Provincial Health Insurance Plan covers many basic hospital and medical expenses, as set out in the schedule of benefits in your province of residence. To inquire whether a specific expense is covered, please contact your Provincial Health Services.

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How do I know for sure whether something is covered?

If you are in doubt for any reason as to your coverage or if it is a significant cost, do not assume or take someone’s word for it. (For example, orthotics, dental implants, semi-private hospital room, hearing aids, etc.) Please call Manulife at 1-800-268-6195 or get a preauthorization from Manulife who will provide you with details of what is eligible and how much will be reimbursed according to the specifics of the LCC Worker Benefit Plans insurance policies. If you have any questions, contact us.

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