Effective April 1, 2019, OHIP+ will no longer provide drug coverage for individuals under the age of 25 who have access to private insurance. Therefore, prescription drug claims for children and youth 24 years of age and younger with private plan coverage will have to be submitted directly to their private plan. Click here for details!

Schedule of Losses

Accidental Death, Dismemberment, Loss of Sight & Paralysis
If such injuries shall result in any one of the following specific losses within one year from the date of accident, Chubb Life Insurance Company of Canada will pay the percentage of the Benefit Amount specified below, which is equal to the amount stated in the "SUMMARY OF BENEFITS" section; provided, however, that not more than one (the largest) of such benefits shall be paid with respect to injuries resulting from one accident.

For Loss of:

Percentage of the Benefit Amount Life: 100%
Both Hands, Both Feet, Entire Sight of Both Eyes, One Hand and One Foot, One Hand or One Foot and Entire Sight of One Eye: 100%
Speech and Hearing in Both Ears: 100%
Use of Both Arms or Both Hands Both Feet or Both Legs 200%
Brain Death 100%
Quadriplegia, Paraplegia, Hemiplegia 75%
One Arm or One Leg or Use of One Arm or One Leg 75%
One Hand or One Foot or Use of One Hand or One Foot: 75%
Entire Sight of One Eye 75%
Speech or Hearing in Both Ears: 75%
Thumb and Index Finger of the Same Hand, or Use of Thumb and Index Finger of the Same Hand 33 1/3%
Four Fingers of the Same Hand: 33 1/3%
Hearing in One Ear: 33 1/3%
Thumb of Either Hand: 25%
One Finger of Either Hand: 16 2/3%
All Toes of the Same Foot: 25%


"Brain Death" means irreversible unconsciousness with total loss of brain function; and complete absence of electrical activity of the brain, even though the heart is still beating.

"Loss" shall mean, with respect to hand or foot, actual severance through or above the wrist or ankle joint; with respect to arm or leg, actual severance through or above the elbow or knee joint; with respect to eye, the total and irrecoverable loss of sight; with respect to speech, the total and irrecoverable loss of speech which does not allow audible communication in any degree; with respect to hearing, the total and irrecoverable loss of hearing which cannot be corrected by any hearing aid or device; with respect to thumb and index finger, actual severance through or above the first phalange; with respect to fingers, the actual severance through or above the first phalange of all four fingers of the same hand; with regard to toes, the actual severance of both phalanges of all toes of the same foot.

"Loss" as used with reference to Quadriplegia (paralysis of both upper and lower limbs), Paraplegia (paralysis of both lower limbs) and Hemiplegia (paralysis of upper and lower limbs of one side of the body), means the complete and irrecoverable paralysis of such limbs.

"Loss of Use" shall mean the total and irrecoverable loss of function of an arm, hand, leg, foot, or thumb and index finger, provided such loss of function is continuous for twelve consecutive months and such loss of function is thereafter determined on evidence satisfactory to Chubb Life Insurance Company of Canada to be permanent.

If you suffer complete severance of a hand, foot, arm or leg, Chubb Life Insurance Company of Canada will pay the amount specified even if the severed limb is surgically reattached, whether successful or not.

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.

Downloads

Claim Forms:

Brochures:

Others:

*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