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. Mercon 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