Effective April 1, 2019, OHIP+ will no longer provide drug coverage for individuals under the age of 25 who have access to private insurance. Therefore, prescription drug claims for children and youth 24 years of age and younger with private plan coverage will have to be submitted directly to their private plan. Click here for details!

How It Works

The benefits provided by the Trust Fund are combinations of those purchased from insurance companies, and those provided directly by the Trust Fund. These benefits are funded with contributions made by your employer on your behalf. The contributions are made to the Trust Fund as a result of a Collective Bargaining Agreement. The Board of Trustees looks after the Trust Fund.

The Trustees are responsible for the design of the benefit package provided by the Trust Fund and for the allocation of the contributions made to the Trust Fund. To help carry out their duties, the Trustees have appointed various people such as accountants, consultants and lawyers to provide them with professional advice. The Trustees meet with these advisors from time to time to review matters that arise in the running of the Trust Fund. The Trustees make all decisions that are necessary at these meetings by taking a vote amongst themselves. The Trust Fund’s Administrative Agent who is Benefit Plan Administrators Limited performs the daily administrative functions of the Trust Fund.

The Trustees expect that the benefits provided by the Trust Fund will be continued indefinitely, but necessarily reserve the right to amend or terminate the benefit coverage described herein in whole, or in part, without prior notice and in their sole discretion.

The Administrative Agent is:

90 Burnhamthorpe Road West, Suite 300
Mississauga, Ontario L5B 3C3
Attn: Administration Department
Tel: (905) 275-6466 or 1-800-867-5615
Fax: (905) 275-6462

 Mailing Address
Attn: Administration Department
P.O. Box 3071, Station A
Mississauga, Ontario L5A 3A4 


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