Hourbank Benefit Plan for Field Workers

Employee Life Insurance
For Employees - $90,000 
 
Accidental Death & Dismemberment Insurance
Employee - $90,000 
 

Dependent Life Insurance

  • Spouse - $10,000
  • Child - $5,000  

 Merit Contractors Association, Construction, Benefits, Field Workers

Extended Health Care for Employees & Dependents

  • Prescription drugs - 80% - no annual maximum
  • Emergency out-of-country - 100%
  • Other health expenses (to specified limits) - 100%
  • Overall Maximum - Unlimited   

Vision Care for Employees & Dependents

  • All covered expenses - 100%
  • Maximum - $300 every 2 calendar years
  • Maximum for Children under 19 - $300 per calendar year
  • Eye Exams - $75 every 2 calendar years 

 
Dental Care Benefits for Employees & Dependents

  • Basic services - 80% of GP Fee Guide
  • Major restorative services - 50% of GP Fee Guide
  • Maximum for basic & major services combined - $2,500 per calendar year
  • Specialist fee guide used when applicable
  • Orthodontic services for children under 19 - 50%
  • Maximum for orthodontic services - $2,500 lifetime per person 

 
Long Term Disability Insurance for Employees
Monthly benefit - $2,200 for first 24 months, then $2,700/month to age 65. 
 
Employee and Family Assistance Program (EFAP) for employee & dependents
Confidential counseling and information service for employees and their families
Self referral 
 
Eligibility
An employee becomes eligible to receive benefits on the first day of the second month following the accumulation of 300 hours in his or her bank account. 
 
Cost - Effective January 1, 2012
For each hour worked by employees, the contribution is $1.05 for benefits premiums plus either $0.05 or $0.08 per hour worked (depending on the fee structure chosen). Rates are reviewed annually and are normally in effect from January 1 to December 31.