UNDERSTAND WHAT HAPPENS TO YOUR BENEFITS & PENSION
Dependent Children
Whether by birth, adoption, or marriage, you want to protect and support your children. Here’s how the UA Local 67 Benefits Plans contribute to your mission.
Who is a Dependent Child?
An eligible dependent child is defined as the natural, legally adopted, step, or foster child of you or your eligible spouse who is:
- Unmarried and dependent on you or your spouse for financial support, and
- Under age 21; or under age 25 if a full-time student at a recognized and accredited educational institution; or disabled children over 21.
Once you are a member of the plan, your children will be covered under the Health and Dental benefits in the Welfare Plan, provided they meet the following criteria:
- Reside in Canada,
- Are covered by the Provincial Health Insurance Plan (such as OHIP), and
- Are reported to the Canada Revenue Agency as an eligible dependent.
To add your dependents to the plan, you must list them on your Welfare Enrollment/Change Form and provide any required supporting documentation.
Children Over 21
Children Aged 21 to 24 Attending School
If your child over 21 attends an accredited college or university full-time, they can remain on your Health and Dental plan until their 25th birthday, provided you submit proof of their full-time student status to UA Local 67 Benefits by September 30 each year.
Disabled Dependent Children
Adult disabled children can remain on your Welfare Plan, if you provide required documentation to UA Local 67 Benefits to confirm the child’s mental or physical disability before their 21st birthday.
Dependents having been disabled without interruption after your death remain a dependent child for the purpose of the Pension Plan’s pre-retirement death benefit or if applicable, the survivors benefit, regardless of their age. If your child is declared legally disabled, it is important to provide this documentation to UA Local 67 Benefits. If your disabled child lacks the legal capacity to sign on their own behalf, a Trustee can be named on your Pension Plan Enrollment/Change Form.
Children as Beneficiaries
If you name a minor child as a beneficiary, appoint a Trustee to manage the benefit in the event of your passing. If no Trustee is designated, the benefit may be paid to a legal guardian or held by the court until the child turns 18.
Coordination of Benefits
If you have children with a spouse who is also covered under a benefits plan, health and dental claims for the children must be coordinated between the plans.
Have Any Questions?
Reach out to us today for more information.