Due to the COVID-19 pandemic, our offices are closed however we are in communication electronically. Please send all benefit and eligibility queries to: administration@bpagroup.com and all claim inquiries to: claims@bpagroup.com Please ensure to include your full name, certificate number and reason for inquiry, all inquiries will be handled on a priority basis within 1 business day.Click here to read an important update from your Benefits Department.
Effective January 1, 2020, OHIP will no longer cover any portion of your medical costs while travelling outside of Canada.


No benefits are payable under this plan for charges for care, services or supplies:

  • that were furnished without the recommendation and approval of a Physician acting within the scope of his license;
  • that are not Medically Necessary, such as but not limited to, charges for a surgical procedure or treatment performed primarily for beautification, or charges for Hospital confinement for such surgical procedure or treatment;
  • if payment is prohibited by law;
  • that an Insured Person may obtain as a benefit under any governmental plan or law;
  • for occupational injury or disease covered by Workplace Safety and Insurance law or similar legislation;
  • for which no charge would have been made in the absence of this insurance;
  • for dental work, except as provided under the Dental Care for Accidental Injury;
  • for any drugs or services that are not approved by Health and Welfare Canada, or are experimental or limited in use whether or not so approved;
  • for experimental procedures or treatment not approved by the Canadian Medical Association or the appropriate medical specialty society;
  • for health examinations that are requested by a third party;
  • for broken appointments, travel, communication costs, filling in of forms or Physician’s supplies.
  • which were considered an insured service of any provincial government plan at the time this plan/benefit was issued and subsequently were modified, suspended or discontinued.

No amount will be paid for any charge incurred that results from or is contributed by:

  • war, whether declared or not;
  • insurrection, rebellion or participation in a riot or civil commotion;
  • purposely self-inflicted injury; or
  • the Insured Person’s commission of, or attempt to commit, an assault or a criminal offence.

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