Retiree Benefit Plan
The Merit Contractors Association Retiree Benefit Plan is available to retired employees between the ages of 55 and 90. Participation is optional. You are eligible to join within 90 days of termination of your Hour Bank or Office Supervisory Benefit Plan coverage. If you do not apply during that time, you will be unable to join the plan at a later date. OCIBP will send a notification letter to eligible employees along with an application. Click here to view participation rules.
The basic Retiree Benefit Plan includes extended health care (including emergency travel benefits) and Best Doctors® services. There are three levels of coverage from which to choose: Gold, Silver and Bronze. Optional dental coverage may be added to the basic extended health care coverage. One level of dental coverage is available, regardless of whether the Gold, Silver or Bronze health care option is chosen. Coverage is available on a “single” basis, insuring only the retired employee or on a “couple” basis, insuring both the retired employee and spouse.
Merit Ontario's experienced staff would be happy to provide a free, no obligation quotation. For more information, please contact:
Andrei Mitchev
amitchev@meritontario.com
416-483-3856
TF: 1-888-303-9878
For information on the extensive benefits available under the Merit Contractors Association Retiree Benefit Plan, please click here to view the Retiree Benefit Plan Booklet. Alternatively, a summary of benefits can be viewed below:
Feature | Gold Coverage | Silver Coverage | Bronze Coverage |
Deductible (prescription drugs only) | Nil | Nil | An amount equal to the dispensing fee |
In-Canada Prescription Drugs | 80%* | 60% | 60% |
Diabetic Supplies (needles, syringes, lancets, lancing devices, infusion sets, urine/blood glucose testing strips) | 80% | 80% | 80% |
All Other Expenses | 100% | 100% | 100% |
Hospital | Semi-private | Semi-private | Semi-private |
Home Nursing | $10,000 per calendar year | $10,000 per calendar year | $10,000 per calendar year |
Smoking cessation products | $500 lifetime | $500 lifetime | $500 lifetime |
Fertility Drugs | $2,500 lifetime | $2,500 lifetime | $2,500 lifetime |
Dispensing Fee Limit | $9.00 per prescription (a maximum of five (5) dispensing fees are covered for each maintenance drug every calendar year) | $9.00 per prescription (a maximum of five (5) dispensing fees are covered for each maintenance drug every calendar year) | Member must pay full dispensing fee |
Hearing Aids | $1,000 every 5 calendar years | $1,000 every 5 calendar years | $1,000 every 5 calendar years |
Custom-fitted Orthopedic Shoes | $400 per calendar year | $400 per calendar year | $400 per calendar year |
Custom-made Orthotics | $350 per calendar year | $350 per calendar year | $350 per calendar year |
Myoelectric Arms | $10,000 per prosthesis | $10,000 per prosthesis | $10,000 per prosthesis |
External Breast Prosthesis | $400 every 2 calendar years | $400 every 2 calendar years | $400 every 2 calendar years |
Surgical Brassieres | 2 per calendar year | 2 per calendar year | 2 per calendar year |
Mechanical or Hydraulic Patient Lifters | $2,000 per lifter once every 5 calendar years | $2,000 per lifter once every 5 calendar years | $2,000 per lifter once every 5 calendar years |
Outdoor Wheelchair Ramps | $2,000 lifetime | $2,000 lifetime | $2,000 lifetime |
Electric Wheelchairs | $4,000 lifetime | $4,000 lifetime | $4,000 lifetime |
Blood-glucose monitoring machines | $700 lifetime | $700 lifetime | $700 lifetime |
Blood Pressure Monitor | $150 every 3 calendar years | $150 every 3 calendar years | $150 every 3 calendar years |
Insulin Infusion Pumps | 1 every 5 calendar years | 1 every 5 calendar years | 1 every 5 calendar years |
Transcutaneous Nerve Stimulators | $700 lifetime | $700 lifetime | $700 lifetime |
Extremity Pumps for Lymphadema | $1,500 lifetime | $1,500 lifetime | $1,500 lifetime |
Custom-made Compression Hose | 2 pairs per calendar year | 2 pairs per calendar year | 2 pairs per calendar year |
Custom-made Burn Garments | 2 pairs per calendar year | 2 pairs per calendar year | 2 pairs per calendar year |
Wigs for Cancer Patients | $500 lifetime | $500 lifetime | $500 lifetime |
Aerochambers | 1 every 2 calendar years | 1 every 2 calendar years | 1 every 2 calendar years |
Allergy Testing Supplies | $40 per test to a maximum of $200 lifetime | $40 per test to a maximum of $200 lifetime | $40 per test to a maximum of $200 lifetime |
Acupuncturists | $500 per calendar year | $300 per calendar year | No coverage |
Chiropodists/Podiatrists | $500 per calendar year | $300 per calendar year | No coverage |
Chiropractors | $500 per calendar year | $300 per calendar year | No coverage |
Dieticians | $500 per calendar year | $300 per calendar year | No coverage |
Massage Therapists | $500 per calendar year | $300 per calendar year | No coverage |
Naturopaths | $500 per calendar year | $300 per calendar year | No coverage |
Osteopaths | $500 per calendar year | $300 per calendar year | No coverage |
Psychologists | $500 per calendar year | $300 per calendar year | No coverage |
Physiotherapists | $500 per calendar year | $300 per calendar year | No coverage |
Speech Language Pathologists | $500 per calendar year | $300 per calendar year | No coverage |
Out-of-Country Emergency Travel Coverage | $1,000,000 per occurrence (30-day trip limit) | $1,000,000 per occurrence (30-day trip limit) | $1,000,000 per occurrence (30-day trip limit) |
Out-of-Country Non-Emergency Travel Coverage | $25,000 Lifetime (Payable at 50%) | $25,000 Lifetime (Payable at 50%) | $25,000 Lifetime (Payable at 50%) |
All other expenses | Unlimited (up to the reasonable and customary maximum) | Unlimited (up to the reasonable and customary maximum) | Unlimited (up to the reasonable and customary maximum) |
*prescription drug coverage increases to 90% if individual incurs eligible prescription drug claims of $5,000 or more in a calendar year, for the remainder of the calendar year.
Best Doctors® Services
Best Doctors core services are included in the Retiree Plan Gold, Silver and Bronze coverage levels. For more information on these services, click here.
Best Doctors, InterConsultation, FindBestDoc, FindBestCare, Best Doctors 360° and the Star-in-Cross logo are trademarks of Best Doctors Inc.
Dental Coverage: Gold, Silver and Bronze Coverage Levels
Deductible | Nil |
Basic Services | 80% |
Major Services | 50% |
Accidental Dental Services | 100% |
Basic and Major Services Maximum | Combined maximum of $2,500 each calendar year |
Accidental Dental Injury | $10,000 per incident |
Recall Exam Frequency | Once every 12 months |