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About the Trust, Funding, and the Benefit Plan
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Dental
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Extended Health Care
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Paramedicals
- Why do I have to pay a portion of the charge when I go to my Massage Therapist, Chiropractor, etc.?
- With all these factors, how much would I be reimbursed by PBC?
- How do I know if my practitioner is registered?
- How can I minimize out of pocket expenses on paramedical costs?
- I do not need all the paramedical benefits offered. Can I transfer those limits to treatments that I use more often, like naturopath or massage therapy?
- When will the special funding for Mental Health Supports be ending?
- Will the JFBT be adding gender affirmation coverage?
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Prescription Drugs
- Why am I not being reimbursed for my prescription drugs when I have coverage?
- What prescription drugs are covered under my plan?
- What if there is no alternative medication I can take? What is Special Authority?
- How does PharmaCare decide which drugs to cover?
- How do I save money on my prescriptions?
- How do I contact PBC if I have any questions about a claim or coverage?
- How do I log into my PBC account?
- I am going on a trip out of province or country. For what am I covered? Do I need to get extra coverage?
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Long Term Disability
- Where can I find information on the JFBT Long Term Disability (LTD) plan?
- Who is Canada Life?
- I am unable to work due to a disability. What do I do?
- How do I apply for LTD benefits?
- What are the ‘Own Occupation’ and ‘Any Occupation’ periods, and how do they affect my disability claim?
- What if I do not agree with Canada Life’s decision to deny or terminate my claim for LTD benefits?
- What is a Claims Review Committee (CRC)?
- What is a Rehabilitation Review Committee (RRC)?
- What is the Early Retirement Incentive Benefit (ERIB) program and how do I know if I qualify?
- Will I still continue to receive LTD benefits if I access my pension, either through retirement or I accept the Early Retirement Incentive Benefit (ERIB) program payout?
- How do I contact Canada Life if I have any questions about my LTD claim?
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Group Life and Accidental Death or Dismemberment
- Who is my Group Life and Accidental Death & Dismemberment (AD&D) coverage with?
- Can I designate one or more people to receive my life insurance?
- How do I change or add a beneficiary?
- How will my beneficiary receive my Life/AD&D benefit?
- If there are questions about a Life/AD&D claim that has been submitted, who should be contacted?
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What is a Claims Review Committee (CRC)?
A Claims Review Committee (CRC) is a panel of three independent medical doctors that reviews Canada Life’s decision to deny or terminate a Long Term Disability claim. They will meet with you and assess the medical and vocational information reviewed by Canada Life to determine whether you are disabled, based on the definition outlined in the JFBT Plan Document. The CRC will submit their written decision to the Trust’s third-party administrator, the Healthcare Benefit Trust (HBT), and that decision will be distributed to you, your union, your employer, and Canada Life, who will take appropriate action based on the outcome.
More information on these processes can be found here:
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