The Member will be paid the Specified Daily Benefit of:

Daily Benefit
For the first 20 Hospital Days $225.00
For the next 100 Hospital Days $150.00

while he or any eligible Dependent is admitted as an in-patient in a Hospital and under the care of a licensed Physician.

A Hospital Day will be recognized in accordance with the Hospital’s billing practices. Such period of hospitalization must:

  • be necessary because of injury, illness, or childbirth; and
  • begin while insurance under the Policy is in force with respect to such Member.

If any injury or illness requires more than one period of hospitalization then the maximum benefit period of 120 days in a Hospital will be reinstated provided that at least 61 days has elapsed between such periods of hospitalization.

For injury or illness that begins while this coverage is in force, a benefit of 50% of the Specified Daily Benefit will be paid for the number of days the Insured Person recovers at home, not to exceed the number of days that the Insured Person was hospitalized for the covered injury or illness to a maximum of 20 days, subject to a maximum of $2,250.00.


Newborn children must be over 14 days of age to be eligible for Hospital Indemnity Benefits.

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