Your Benefits Plan

Benefits

Every year the Power Sector Benefit Trust (PSBT) surveys all Members to understand your coverage requirements better. Through this process, we select benefits our Members request and improve our benefit package to suit our Members’ changing needs. PSBT delivers a comprehensive and customized Benefits Plan tailored for our Members at the most competitive premium rates available.

Standard coverage in our package includes: Full Medical (including Prescription Drugs), Dental, Vision, Life Insurance (including Dependent Life Insurance), Accidental Death and Dismemberment and Long-Term Disability.

Here are some details of the great coverage that we offer:

Pay Direct Drugs

Your deductible per prescription is nil. Reimbursement is 100% of eligible charges. Your maximum Dispensing Fee is $7.00 per Drug Identification Number (DIN).

Medical and Vision

Your deductible per calendar year is nil. Reimbursement is 100% of eligible charges.

Dental

Canada Life bases your reimbursement on the current year's Dental Association’s Suggested Schedule of Fees for General Practitioners, as of the 1st of the month following the month in which Canada Life receives the new Schedule. Your deductible per calendar year is nil.

Basic Services

Reimbursement is 100% of Insured Charges. The overall maximum is unlimited. For a more complete description of these benefits please refer to the Benefits Booklet

Life Insurance

Flat amount of $100,000.

Accidental Death and Dismemberment

Each Member and spouse: Flat amount of $50,000.

Dependent's Group Life

Spouse: $25,000 Each Child: $5,000 Benefits for children commence 14 days after birth.

Member and Family Assistance Program

The Power Sector Benefit Trust trustees are pleased to offer the Member and Family Assistance Program (MFAP) as part of the Health and Wellness benefits. Confidential assistance is available for a broad range of personal and work-related concerns, which may affect you or your family. Visit the MFAP page for more information about these benefits.