Coverage

WHO IS ELIGIBLE TO BECOME COVERED

You are eligible for coverage from the first day of being actively at work for an employer, under the jurisdiction of Air Canada Component of CUPE, participating in the Wage Indemnity Plan when you:

  • are within the covered classes shown on the You Should Know page; and
  • are working on a full-times basis.

Click here to download English package and forms

Click here to download French package and forms

Click here to download English form only

Temporary employees are not eligible for coverage.

EFFECTIVE DATE OF COVERAGE

Your coverage becomes effective on the first of the month coinciding with or next following your date of eligibility as described above. If due to illness or injury, you are not actively at work on the date your coverage is to be effective, it will become effective when you return to full-time active work.
If you are absent from work due to illness, injury, leave of absence, layoff, suspension, or any other reason and are not in receipt of benefits under this wage indemnity plan or under any workers’ compensation law, your wage indemnity plan benefits will not be reinstated until you
return to full-time active work (as defined on the Definitions page) as a flight attendant.

CHANGE IN COVERAGE

If your coverage would change due to a change in earnings or classification or as a result of a plan change, the coverage will not be adjusted until the first day on or after the date of the change on which you are actively at work and the required contribution is being made.

TERMINATION OF COVERAGE

Your coverage will terminate on the earliest of the following dates:

  • the date you cease to be a member of any eligible class because of termination of employment (described below) with the employer or for any other reason;
  • the date you are no longer included in the covered classes;
  • the date the policyholder or the employer ceases to make contributions for you;
  • the date you enter full-time active service in the armed forces of any country;
  • the date you attain the termination age as shown in the Summary of Coverages;
  • the date the contract terminates.

TERMINATION OF EMPLOYMENT

For the purposes of the contract, your employment will be considered to terminate when you are no longer actively at work for the employer. However, if you are absent from work for any of the reasons described in the Continuation of Coverage During Absence From Work section below, the employer may, without discrimination among persons in like circumstance,
consider you as not having terminated employment for the purposes of the contract and as continuing to be a member of any eligible class, and coverage will then be continued as outlined in the section below.

CONTINUATION OF COVERAGE DURING ABSENCE FROM WORK

Prepayment of premiums is not required for an absence from the payroll of fifteen (15) calendar days or less.  Prepayment of premiums is required for an absence from the payroll of sixteen (16) or more calendar days for one of the following reasons.  You must prepay the required premium in full within 45 (forty-five) days in order to be eligible for benefit consideration following the end of any of these periods:

  • leave of absence granted (such as personal, educational, maternity, child care, bereavement, or jury duty) other than inability to meet medical standards (IMMS), your coverage may be continued for a maximum duration of up to 24 months;
  • lay-off, your coverage may be continued for a maximum duration of up to six (6) months. Should you become disabled during the six-month period, you will not be eligible for benefit consideration unless you are recalled from lay-off status;
  • suspension, your coverage may be continued for the duration of your suspension;
  • strike or lockout, your coverage may be continued following the end of the strike or lockout;

Should you not prepay the required premium, your coverage will lapse and will not become effective until you return to full-time active work (as defined on the Definitions page) as a flight attendant.

To ensure continued coverage for up to 24 months (six (6) months during a lay-off), you must make the first required premium payment within 45 days from the commencement of leave of absence. The date payment is received by Manion Wilkins & Associates Ltd will determine your on time payment.

VACATION

If you are on vacation and become disabled, the 14-day elimination period commences following the date first not available for work at the completion of your vacation.

  • No prepayment of premiums is required when you are absent from work due to vacation or a personal leave of absence of 15 calendar days or less.
  • If your leave of absence of sixteen (16) or more calendar days precedes your vacation and you have not prepaid the premium for that leave of absence, coverage will not be reinstated until you return to active work.
  • No prepayment of premiums is required when you are absent from work due to vacation or your personal leave of absence is less than fifteen (15) calendar days.

How to File a WIP Claim

The Application for Wage Indemnity Plan Benefits, including the Claimant’s Statement, Employer’s Statement and Physician’s Statement, should be completed as soon as you know you will off work for more than 14 days. Your 14-day elimination period commences from the date of your first flight missed or reserve day, if on reserve.

Click here to download English package and forms

Click here to download French package and forms

Click here to download English form only

YOUR COMPLETED APPLICATION MUST BE RECEIVED WITHIN 30 DAYS OF THE END OF YOUR ELIMINATION PERIOD.

Employer’s Statement

If not already completed when received, the Employer’s Statement should be completed as soon as possible.

Claimant’s Statement

Mail the completed claimant’s statement directly to MANION WILKINS & ASSOCIATES LTD. Do not use crew boxes or leave at the Airport Office.

In case of an accident, be sure to explain the circumstances on a separate sheet (WCB, Motor Vehicle, Home).

Ensure you sign and date the Authorization at the bottom of the page.

Physician’s Statement

You must see a physician (MD) within the 14-day elimination period in order to qualify for benefits commencing on the 15th day of your disability.

Have your treating physician complete the Physician’s Statement FULLY. Most claim delays are due to incomplete medical evidence. Please make sure that the physician’s name is legible and that the address and telephone number are complete.

Have your physician clearly indicate the diagnosis, complications (if any), treatment, medication and all dates of visits. If your physician does not know when you can return to work, an approximate date should be given. Indicating ”indefinite” will delay your claim.

If you are receiving treatment from any other medical practitioner who is not a licensed physician (MD), you must ALSO be under the regular and ongoing care of a licensed physician (MD).

If you are receiving treatment from any other medical practitioner who is not a licensed physician (MD), you must ALSO be under the regular and ongoing care of a licensed physician (MD).

Please sign the Authorization Request. If you do not sign this authorization statement your claim will be returned to you, resulting in a delay.

DO NOT ALTER OR ADD ANY INFORMATION TO THE PHYSICIAN’S STATEMENT!  TO ENSURE CONFIDENTIALITY SEND PHYSICIAN’S STATEMENT DIRECTLY TO MANION WILKINS & ASSOCIATES LTD.  THE EMPLOYER DOES NOT REQUIRE THE PHYSICIAN’S STATEMENT! 

If your disability arose out of, or in the course of your employment, you MUST apply for Workers’ Compensation (C.S.S.T. in Quebec). However, you must also apply for Weekly Indemnity benefits in the interim. All WI claims must be submitted within 30 days of the end of your elimination period, regardless of whether you have also filed a Worker’s Compensation claim. Failure to file a WI claim will jeopardize your entitlement to these benefits in the event that your Workers’ Compensation claim is refused or terminated.

Weekly Indemnity benefits will be payable only for a maximum of 120 days from the date of disability while a decision is pending from Workers’ Compensation.

Please contact your Regional Office for more information if you are applying for Workers’ Compensation benefits.

When you have returned to work, notify MANION WILKINS & ASSOCIATES LTD immediately, so that your WIP claim can be finalized.

If you would like your benefits deposited directly into your bank account, please submit a void cheque with your application. 

While you are receiving WI benefits, supplementary reports will be forwarded to you periodically. Upon receipt, have this report completed and returned to the Administrator, as soon as possible so that payments will not be delayed. It is your responsibility to provide proof of disability. You must submit proof of disability WITHIN 45 DAYS of the commencement of disability. If you submit proof after 45 days, it will not be processed unless you can show sufficient reasons in writing for not applying earlier. The claimant is responsible for having all forms completed and any charges incurred for completion of same. Although you may fax your documents in as notification of a claim, originals are required before your claim will be processed.

IF YOU HAVE ANY QUESTIONS OR PROBLEMS REGARDING YOUR CLAIM, OR CLAIM SUBMISSION, PLEASE DO NOT HESITATE TO CONTACT MANION WILKINS & ASSOCIATES LTD.

Administrator

MANION WILKINS & ASSOCIATES LTD
1-416-234-3513 (Local)
1-800-663-7849 (Long Distance)
FAX: 1-416-234-2071

Return to Work

When you return to work, you must notify Manion Wilkins & Associates Ltd. immediately.

Applying For Benefits: Time Limits

Your claim will not be processed until both the claim statement and physician’s statement have been received. You should therefore follow up with your employer and your physician to ensure the forms are completed in a timely manner and avoid denial of benefits due to late submission.

It is your responsibility to submit proof of disability within 30 days of:
(a) the end of the 14-day elimination period;
(b) the termination of your disability benefits under the Employment Insurance Act of Canada in order to reinstate your claim under this Wage Indemnity Plan; and
(c) the recurrence of a disability.

LATE CLAIMS WILL NOT BE PROCESSED UNLESS YOU CAN SHOW SUFFICIENT REASON IN WRITING FOR NOT APPLYING EARLIER.

YOU ARE RESPONSIBLE FOR HAVING THE CLAIM FORMS COMPLETED AND ANY CHARGES INCURRED FOR THEIR COMPLETION.

Application For Canada/Quebec Pension Plan (CPP/QPP) Disability Benefits

In the event that you are totally disabled and your disability is a physical or mental impairment that is both severe and prolonged, you are required to file an application with CPP/QPP. You must submit proof of claim to Manion Wilkins & Associates Ltd.

The wage indemnity plan benefits payable to you for any period of total disability will be reduced by the amount of a disability benefit payable under the Canada/Quebec Pension Plan:

1. Manion Wilkins & Associates Ltd will send to you a reimbursement agreement and assignment form to sign. This agreement and assignment form should be returned to Manion Wilkins & Associates Ltd. Upon receipt of the signed reimbursement agreement and assignment form, benefits will continue at the rate of full wage indemnity plan payments due. This authorization will be updated annually.
You must keep Manion Wilkins & Associates Ltd advised of your CPP/QPP status.

A copy of the approval/denial notice should be forwarded to Manion Wilkins & Associates Ltd so that they can adjust your wage indemnity plan benefits accordingly. Overpaid wage indemnity plan benefits must be refunded.

2. In the event that you have not completed and returned the reimbursement agreement, assignment form or approval notice upon the commencement of your disability, your long-term disability benefits will be reduced by an estimated CPP/QPP Disability Benefit. Therefore, it is essential that you apply for CPP/QPP in a timely manner as requested.

Should CPP/QPP deny your application, the wage indemnity plan benefits will continue without an offset while you remain totally disabled. In addition, you will be reimbursed for any wage indemnity plan benefits which were previously reduced by an estimated CPP/QPP Disability Benefit. You are responsible for providing Manion Wilkins & Associates Ltd with a copy of the denial notice. Manion Wilkins & Associates Ltd will send you a letter of explanation detailing the appeal process. Proof of appeal must be submitted within 90 days.

Claim Review

If your benefits are denied, you may apply for review of your claim in writing to Manion Wilkins & Associates Ltd who will advise you of the claim review procedures. All requests for review and supporting documents must be postmarked no later than 90 days from written notification of initial denial or subsequent appeal denial.