Frequently asked questions

Just present it to your Pharmacist and at your Dental office. Most will be able to send your claim in electronically. Other medical professionals may also be able to accept your card, so just ask before receiving treatment. Otherwise you will have to pay up front and file a claim manually to receive payment.

Initial Eligibility

Hours you work for contributing employers, for which contributions have been received, will be credited to your Hour Bank. You will become eligible for coverage on the first day of the second calendar month, after the accumulation of 360 credited hours in your Hour Bank.

Continuation of Eligibility

Once you are eligible, additional hours for which contributions have been received will be credited to your Hour Bank, and each month 120 hours will be deducted from your Hour Bank for insurance coverage. You may accumulate up to a maximum of 2880 credited hours which will provide you with 24 months of coverage after you stop working.

Benefits are available for qualifying active members as outlined in the benefits booklet here.

Benefits are available for qualifying Industrial members as outlined in the benefits booklet here.

You are covered for prescription drugs, dental, vision & extended healthcare at 50%. A monthly benefit premium of $50 must be paid by the first of each month for coverage. Please see the retiree benefit breakdown booklet for further information.

Once you are an active member in our plan, you can add your dependents that include:  your legal spouse or a common-law spouse of a minimum of 12 months who’s information has been provided to the benefit office and kept on file for more than one year, your unmarried children, under the age of 21, who are dependent on you for support, your unmarried children age 21-24, who are registered as a fulltime student in post secondary education and functionally impaired children who are totally dependent on you for support.

You have up to 18 months to make a claim for benefits provided you are an active member in our plan at the time of the claim, but no more than 6 months after the date your coverage terminates or the benefit is discontinued.

Claims can be submitted to Manulife Financial online or through the Manulife App.

Manual claims will need to be submitted using the Manulife Extended Health Care claim form and mailed to the address on the back of the form. Most dentists will submit claims electronically for you, otherwise they will provide you with a claim form.

Claims submitted through the Manulife site or app will be paid within 3-5 business days. If mailed in, it will take longer.