A summary of health and insurance coverage is provided below. In the event of any discrepancies, the official Accident & Sickness Plan and Accidental Death & Dismemberment Plan will prevail.
Coverage Details
What's Covered?
Accidental Dental
Acupuncture
Chiropractor
Dietician
Homeopath
Kinesitherapist
Massage Therapist
Medical Supplies
Naturopath
Osteopath
Physiotherapist
Podiatrist
Semi-private Hospital
Speech Therapist
Vision Care
On-Contract Coverage
Members in good standing on an Equity contract pay an insurance premium. The agreement or engagement policy and the company category (if applicable) determines both the premium amount and the member’s level of coverage under the plan. The greater the coverage level, the greater the percentage of reimbursement for medical services, subject to policy maximums.
Coverage length
Members in good standing are covered from the first day of rehearsal to the contract end date, but may still seek treatment up to 7 days following the contract end date.
As long as treatment begins within that time frame, it may continue until the earlier of 3 months following the end date of the Equity engagement contract or 6 visits.
Coverage levels
On-contract coverage levels are determined by the agreement or engagement policy and the company category (if applicable), and insurance premium.
Check the coverage amounts of each level below:
All dancers engaged on a ballet agreement contract, and artists engaged on stage management contracts at Stratford, have insurance coverage through their engagers.
Weekly Disability
Members in good standing are eligible for Weekly Disability benefits while under contract: 60% of the contractual weekly earnings up to a maximum of $1,500 per week in the event a disability is caused by injury or illness.
Off-Contract Coverage
Members in good standing who have a minimum of eight total weeks on Equity contracts (excluding Amateur, Festival, or Artists’ Collective) in the previous calendar year qualify for off-contract coverage. They may be reimbursed up to 50% of medical expenses, subject to policy maximums.
Accident Coverage
Off-contract
All members in good standing are eligible for medical expenses incurred as a result of accident only, up to 50% of policy maximums.
Accidental Dental reimbursement
Members in good standing may submit a claim for dental expenses incurred when treatment is required as a result of an accident. If the accident occurs while on contract, the reimbursement is no more than 80%, to a maximum of $3,000. If the member is eligible for off-contract coverage, the reimbursement rate is 50%.
Claims must be accompanied by a standard dental claim form, completed by your dentist.
Accidental Death & Dismemberment Coverage
Equity members in good standing benefit from AD&D coverage, provided through Chubb Life Insurance Company of Canada.
Questions?
Equity’s Membership department can assist with questions about the health & insurance plan or an individual member’s coverage.
Email: membership@caea.com
Phone: 1-800-387-1856 (416-867-9165 in Toronto)
To file a complaint about disqualified claims, please contact Jing Zhao, CPA, PLP, Director of Finance & Administration.
Email: jing@caea.com
Phone: 1-800-387-1856 (416-867-9165 in Toronto) ext. 228