IUPAT DC46

(Ontario Council)

Member Benefits

Member Benefits

OVERVIEW

As an IUPAT member, you gain access to a comprehensive range of IUPAT benefits designed to support your health, financial security, and overall well-being on and off the job site.

Union workers consistently receive stronger union member benefits than non-union workers. According to Statistics Canada, 83% of unionized employees are covered by a pension or group plan, compared to just 33% of non-union workers.

From benefit coverage and pensions to wellness and digital tools, your I.U.P.A.T. union benefits are built to help you and your family thrive, today and into the future.

IUPAT BENEFITS AT A GLANCE

  • 83% of union members have pension or group plans (vs. 33% non-union)
  • Comprehensive union healthcare benefits including dental, vision, and mental health
  • Employer-funded pensions for long-term financial security
  • 24/7 digital access to claims and healthcare support
  • Exclusive insurance savings for home and auto

WHY DO UNIONS PROVIDE BENEFITS?

Unions exist to protect and support workers, not just on the job, but in every aspect of life.

Through strong trade union benefits, members gain access to:

  • Better health and safety standards on job sites
  • Stronger financial security for families
  • Reliable benefit coverage and wellness support
  • Improved work-life balance, including vacation pay

Union members also have a voice in workplace decisions, helping shape safer and healthier work environments.

Your Health Plan

HEALTHCARE BENEFITS

IUPAT offers comprehensive benefit coverage for eligible members and their families, covering an array of offerings including life insurance, prescription drugs, dental care, vision care, extended health care, critical illness and disability wage replacement benefits. These IUPAT benefits are administered independently and funded through employer contributions under collective agreements. More information on benefits packaging can be found at the IUPAT or Benefit Plan Administrators’ offices in Toronto or at your Local chapter office.

For specific details about your benefits, please call 1-888-863-2278.

WHAT’S INCLUDED

  • Life Insurance
  • Prescription Drugs
  • Extended Health Care
  • Vision Care
  • Dental Care
  • Weekly Wage Replacement (Short Term Disability)
  • Long Term Disability
  • Critical Illness
  • Hospital Cash
  • Emergency Travel Insurance
  • Permanent and Total Disability
  • Accidental Death and Dismemberment
  • Mental Health resources: including Virtual Mental Healthcare, Live Mental Health Video Therapy, Intensive Mental Wellness Outpatient Program, Quickcare Confidential Mental Health Program
  • Expedited Healthcare program
  • MyConsult Online Medical Second Opinion
  • Cancer Assistance Program
  • Voluntary Insurance options and Individual Financial Services

MENTAL HEALTH BENEFITS

As part of your union healthcare benefits, IUPAT provides access to a range of mental health supports for eligible members and their dependents. These resources are designed to support your well-being both on and off the job site.

Support includes:

  • Access to licensed clinical psychologists, psychotherapists, psychoanalysts, and social workers
  • Member and Family Assistance Program (LifeJourney)
  • Mental Healthcare Program
  • Live mental health video therapy
  • Intensive mental wellness outpatient programs

For more details, refer to the PDF outlining all available mental health benefits.

Your coverage and eligibility can change depending on your specific benefits plan. Members are encouraged to review their plan details or speak with their Union representative to better understand what support is available to them.

DIGITAL BENEFITS (24/7 ACCESS)

As part of your union member benefits, you can access your coverage anytime through these digital platforms:

eClaims

Submit claims, track payments, and view history, all in one secure, easy-to-use platform.

vCare

24/7 virtual healthcare, including prescriptions and consultations.

mHealth

Mental health support, therapy, and wellness tools designed to help support your well-being.

ADDITIONAL COVERAGE

Your IUPAT benefit coverage also offers the following to assist you and your family at critical times

  • Critical illness coverage (including dependent spouse coverage)
  • Hospital cash benefits (up to $300/day, applies after 3 days of being in the hospital to a maximum of 120 days)
  • Short term and long term disability benefits
  • Life insurance coverage for members, spouses and children
  • Out-of-country insurance through AIG/Global Excel
  • Expedited health care through TeksMed
 

OUT-OF-COUNTRY COVERAGE REMINDER

As a reminder, please ensure you receive your updated Out-of-Country insurance card and policy from BPA before leaving Canada. Coverage is now provided through AIG, administered by Global Excel Management Inc.

If you are outside of Canada and require medical care, you must contact Global Excel immediately:

 

IUPAT Insurance Identification: CMG 9020980B

For full details, call 1-888-863-2278.

HOW IUPAT BENEFITS SUPPORT YOU IN REAL LIFE

Your union member benefits aren’t just numbers, they make a real difference every day:

  • ON THE JOB: Access safety protections and healthcare coverage when you need it most.
  • AT HOME: Support your family with reliable insurance and mental health resources.
  • FOR YOUR FUTURE: Build long-term financial stability through employer paid pension contributions.
  • IN UNEXPECTED MOMENTS: Rely on critical illness, hospital cash and disability coverage when it matters most.

FILING A CLAIM

Step 1: Use your IUPAT Benefit Card

For most prescription drugs and dentalcare expenses, simply present your IUPAT Benefit Card at the pharmacy or dental clinic when services are rendered. You are also able to use your Benefit Card at participating Vision Care Clinics – please inquire with the clinic directly at the time of your visit.

Step 2: Submit other health claims

Vision Care, Dental Care, Drugs and Extended Health care expenses can be submitted through your eClaims account – complete your eClaims registration to access online claims submission and tracking.

Members can also submit their claims for reimbursement via regular mail. Please download and complete the appropriate form below:


Members can mail their completed form to the following address:

IUPAT Benefit Trust Administrator

132 Toro Road
Ground Floor
Toronto, Ontario M3J2A9

Step 3: Register for EFT payments (optional but recommended)

To receive faster reimbursements, complete the EFT registration form and submit it to the Benefits office via fax or email.

  • EFT is only available to members registered for the BPA eClaims App
  • Your eClaims account will confirm once EFT has been activated

Step 4: Track your claim digitally through eClaims

Once your claim has been processed:

  • You will receive notifications through your eClaims account on the status of your submitted claim.
  • Once adjudicated, payments are issued the following business day via Direct Deposit and deposited into your account within 2-5 business days, depending on your financial institution.


Your claims history is available to you on the eClaims portal at any time.

STAY INFORMED

Stay up to date on the latest news, benefit updates, and member resources through the IUPAT newsletter.

Read our Winter 2025 newsletter for the most recent information.

Learn about the latest benefit increases effective May 1, 2026. Visit here for more information.

Your Insurance Coverage

HOME AND AUTO INSURANCE

As part of your IUPAT benefits, members have access to exclusive savings on home and auto insurance through Union Power Insurance.

These construction union benefits include:

  • Competitive rates
  • Exclusive member discounts
  • Reliable coverage options
 

To contact Union Power Insurance, call 1-844-872-8722 or reach out through their website.

WHY IUPAT BENEFITS STAND OUT

Not all trade union benefits are the same. IUPAT goes further by offering:

  • Comprehensive union healthcare benefits with digital access and fast claims processing
  • Strong employer contributions through collective bargaining
  • Ongoing support and advocacy for members on and off the job site
  • Industry-leading training and career development opportunities

Your Retirement Benefits

PENSION AND RETIREMENT PLANS

Planning for the future is a key part of your trade union benefits.

Through employer-funded contributions, IUPAT members benefit from reliable pension plans that support long-term financial security. Compared to non-union workers, those with access to union member benefits are significantly more likely to retire with stability and confidence.

FREQUENTLY ASKED QUESTIONS

How does collective bargaining improve compensation?

Through collective bargaining, unions negotiate on behalf of members to secure better wages, benefits, and working conditions.

Employer contributions fund many of your union member benefits, meaning you receive valuable coverage without bearing the full cost yourself. This includes:

  • Health benefit coverage
  • Pension contributions
  • Disability and vacation pay


This collective approach ensures fair compensation and long-term stability for all members.

Union member benefits are negotiated through collective bargaining, ensuring better coverage, employer contributions, and stronger protections for workers.

IUPAT benefits include healthcare coverage, pensions, insurance, and digital tools designed to support members and their families.

Yes. Union healthcare benefits include dental, vision, prescription drugs, mental health support, and more.

Most trade union benefits are funded through employer contributions, reducing out-of-pocket costs.

or more information on your union benefits, call 1-888-863-2278.

HAVE QUESTIONS?

CONNECT WITH THE BENEFITS OFFICE

Whether you have questions about coverage or need support with your benefits, IUPAT members are never on their own. Our team is here to help you understand your options, access resources, and get the support you need.