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Regular Employees hired before August 18, 1992 were eligible to participate in the Plan on the first of the month following 3 months of service.

Temporary Employees hired before August 18, 1992 were eligible to participate in the Plan on the first of the month following 9 months of service.

Regular Employees hired on or after August 18, 1992 are required to participate in the Plan on the first of the month following 3 months of service.

Temporary Employees hired on or after August 18, 1992 are required to participate in the Plan on the first of the month following 9 months of service.

All Regular Employees and Temporary Employees with at least 9 months service who were not participating in the Plan as of July 6, 2003 were given an opportunity to enroll between July 18, 2003 and September 19, 2003 without being required to provide medical evidence of insurability.

TWU members who have declined TWBP membership may re-apply for membership by completing an application form and providing evidence of insurability. You may be asked to provide supplemental medical information. See note (ii).

Change in Employment Status on or after August 18, 1992:

a)  Transfer from Temporary to Regular - required to participate in the Plan:

                  If Already a Plan Member - on the date of becoming a regular                   employee; OR

                  If Not a Plan Member - on the first of the month following 3                   months of service

b)  Transfer from Regular to Temporary - required to participate in the Plan:

                  If Already a Plan Member - on the date of becoming a temporary                   employee: OR

                  If Not a Plan Member - on the first of the month following 9                   months of service

Notes:

(i)  Employees required to participate in the Plan may cancel participation after one month of coverage by completing a withdrawal form. Details are available from the Plan Administration Office.

(ii)  Non-Plan Members who wish to join the Plan after first becoming eligible or after a previous cancellation may later become a Plan member only on submission of satisfactory evidence of insurability.

The Plan Administration Office provides an initial short questionnaire and an application form. This information is submitted to the Plan's insurer who may or may not request further medical information in determining whether the evidence is sufficient to approve coverage. As medical information is private, the insurer corresponds directly with the applicant.

If you apply for enrollment and the insurer denies you coverage, you may appeal this decision by submitting a letter to the insurer stating you wish to appeal the decision. For more information please contact the Plan Administration Office and request a copy of the appeal procedures.