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Vision Care

The benefits described in this section apply to Members up to age 71 and their eligible Dependents. Following a description of the benefits covered, you will find a description of how and when to file claims for these benefits.

All lenses must be prescribed by an Optometrist or an Ophthalmologist and must be for the correction of visual defects.

 

Vision Care Benefits

Lenses & Frames
Adults

Lenses & Frames
Children under 18

Contact Lenses
in Lieu of Glasses

Prescription Safety Glasses
in Lieu of Glasses

Laser Eye Surgery

Up to $500.00 once every 24 months. Includes one eye exam to a maximum of $50.00.

Up to $500.00 once every 12 months.


Up to $500.00 once every 24 months. Includes an allowance of up to $50.00 for one adult eye exam.

Up to $500.00 once every 24 months. For Members only, Dependents are excluded.


50% up to $1,000.00 per lifetime

 

The Trust Fund covers reasonable and necessary Vision Care expenses up to the limit specified for the following:

  • One set of lenses and frames, once in each consecutive 24 month period, including bifocals, hardex, and tints one (1) and two (2). For children 18 years and under, one set of lenses and frames, once in each consecutive 12 month period.
  • Eye examinations are covered once every 24 months for adults between the ages of 20 and 64. The maximum allowed per exam is $50.00 and is included with overall Vision Care Benefit maximum of $500.00.
  • Instead of frames and lenses, contact lenses (including Disposable Contact Lenses) will be allowed up to a maximum of $500.00 per individual, once in each consecutive 24 month period. This $500.00 maximum includes the cost of one eye exam to a maximum of $50.00.
  • Instead of frames and lenses, prescription safety glasses will be allowed up to a maximum of $500.00 per Member, once in each consecutive 24 month period. Prescription safety glasses are limited to Members only.
  • Visual training - by an Optometrist or Ophthalmologist, up to $100.00 in each consecutive 12 month period.
  • Laser eye surgery, once per eye, per lifetime. Members are encouraged to research the credentials and experience of the laser eye surgeons before selecting their service provider.

The purpose of the Vision Care benefit is to help meet actual expenses. Benefits under this plan will be coordinated with any benefits received under other plans, in order that you will not receive more than your actual expenses.

The Co-ordination of Benefits provision described on this site will apply

Exclusions

The following expenses will not be reimbursed:

  • Treatment furnished without charge or paid directly or indirectly by any government or for which a government prohibits payment of benefits.
  • Services and supplies received principally for cosmetic purposes.
  • Artificial eyes, sunglasses, anti-reflective coatings or for any tint (except tints one (1) and two (2), as detailed above). Please note that artificial eyes may be covered under the Durable Medical provisions of the Extended Health Care Benefit.
  • Replacement of lenses or frames or contact lenses, due to loss, breakage or theft.

Proof of Loss

Written proof stating the occurrence, character and extent of loss must be submitted to the Administrative Agent within 12 months after the date of the loss, but not more than 3 months after the date coverage terminates, for Vision Care Benefits.

Insulators Local 95 Benefit Trust Fund c/o Benefit Plan Administrators 
90 Burnhamthorpe Road West, Suite 300 Mississauga, Ontario L5B 3C3