Due to the COVID-19 pandemic, our offices are closed however we are in communication electronically.
Please send all benefit and eligibility queries to: administration@bpagroup.com and all claim inquiries to: claims@bpagroup.com. Please ensure to include your full name, certificate number and reason for inquiry, all inquiries will be handled on a priority basis within 1 business day. Click here to read an important update from your Benefits Department.
Effective January 1, 2020, OHIP will no longer cover any portion of your medical costs while travelling outside of Canada.

Health Care Benefits Details

Description of Benefits

The benefits described in this section apply to both the Member and their eligible Dependents.  Following a description of the benefits covered, you will find a description of how and when to file claims for these benefits.
The Extended Health Care benefit is designed to provide valuable supplementary protection but not to duplicate the Provincial Hospital and Medical Care Plans under which an individual is or could be protected.  Therefore, the Extended Health Care Insurance excludes (1) services and supplies to the extent benefits can be obtained for them under a provincial plan by fulfilling the requirements of that plan, and (2) services and supplies where private insurance is prohibited.   Additional exclusions are detailed in the section entitled “Exclusions”.  You should read the Covered Expenses with these exclusions in mind.  Before incurring any major expenses you may submit details to the Claims Department that will inform you what benefits, if any, are available under the Plan.
Charges for eligible services or supplies will be limited to the reasonable and customary cost for the expense up to any maximums specified in the “SUMMARY OF BENEFITS”.

Percentage Payable

The percentage payable is the maximum percentage of your costs that the plan will reimburse you, for your and your Dependents’ Covered Expenses, after any deductible is satisfied. 


The deductible is the amount of Covered Expenses which you must pay each calendar year before benefits are payable under this plan.   

Calendar Year Maximum

The Calendar Year Maximum is the maximum amount the plan will allow any one individual for Extended Health Care Benefits in a single calendar year.

Lifetime Maximum

The Lifetime Maximum is the maximum amount this plan will allow any one individual for Extended Health Care benefits in their lifetime.

This website describes the conditions of eligibility, coverage and claims procedures under the Teamsters and Toronto Ready Mix Producers Benefit Plan Fund. The Board of Trustees are solely responsible for establishing the eligibility rules of the Trust Fund.


Claim Forms:



*Please note that some changes were made to the booklet after April 2018 and these have been highlighted in red for your information.

Teamsters and Toronto Ready Mix Producers Benefit Plan Fund
c/o Benefit Plan Administrators
90 Burnhamthorpe Road West, Suite 300
Mississauga, Ontario L5B 3C3