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!

Living Allowance Benefits

The Living Allowance Trust fund was established between International Association of Heat and Frost Insulators and Allied Workers Local 95 and Master Insulators Association of Ontario, Incorporated effective – September 1, 1980.

Purpose: To provide eligible members with additional remuneration to offset the expenses incurred while employed away from home.

The Contributions to the ‘Living Allowance Trust Fund” is negotiated within the Collective Agreement. The cost is shared between Employer and Employee. The current rate is $0.50 cents per hour worked ($0.25 Employer and $0.25 Employee via payroll deduction). The Collective Agreement provides that any increases to the contribution rate will be equally shared between Employer and Employee.

Payments are made weekly, subject to receipt of confirmation from Employer. Payments are issued by – cheque, or direct deposit

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