This website is intended to provide a reasonable and easy-to-understand summary of the DGC Benefits Plan provided by the DGC’s Health and Welfare Trust.
This website does not confer any contractual rights or obligations.
The full provisions of the individual plans are contained in the official plan contracts and policy documents. If there any discrepancies between those official contracts and this guide, the terms of the contracts will apply in all cases. Your right to access plan documents, including your enrolment form, evidence of insurability and the plan contracts, is based on applicable provincial and territorial legislation. Contact the DGC Benefits Plan to determine your access rights.
Short-Term Disability (STD), health (excluding travel assistance), dental and the HSA are self-insured by the Trust. All claims, however, are processed by the applicable insurers.
Life insurance, critical illness insurance, Accidental Death & Dismemberment (AD&D) insurance, and emergency out-of-province/country medical are insured by the applicable insurance companies.
The Member and Family Assistance Plan (MAP), Consult+ and Teladoc Medical Experts are offered by the applicable providers.
Legal actions: Any legal action or proceedings you take against an insurer for the recovery of insurance money under the DGC Benefits Plan must be initiated within the time limits set out in applicable provincial and territorial legislation.
Appeals: You may have the right to appeal a denial of all or part of the insurance or benefits described in the contract or policy. An appeal must be in writing and must include your reasons for believing the denial to be incorrect. Contact dgcbenefits@dgc.ca for information on how to appeal a decision. There are time limits to appeal.
The DGC Health and Welfare Trust reserves the right to change, amend or terminate the benefits program at any point.
