FAQs

Health Benefits

Do I need a pre-determination for orthodontics?

Yes, your dentist or orthodontist must submit a pre-determination to Ellement prior to the start of the treatment for your expenses to be eligible for reimbursement. Failure to do so will cause unnecessary delays.

How do I register for benefits?

A "Registration Form" must be completed fully and sent to FAS via mail as we require the originals. If you delay returning the Registration Form it may impact the reimbursement of claims. Blank Registration Forms are available from your Local Union Office, FAS or in the Forms & Documents section.

What is the Individual's Hour-Bank Reserve Account?

This is an account kept by Ellement for each employee who works for a contributing employer. Employers report the number of hours worked by the employee to Ellement. The hours are placed in the employee's reserve account. This is similar to a bank account, with hours being deposited instead of dollars. In order to pay for his/her coverage, an employee has hours deducted or withdrawn from his/her account.

What happens if I move from one Employer in the industry to another?

If your new employer is required to make contributions, your reserve account will continue to be credited with hours reported.

How do I make a name/address change?

Whenever you have an address change you can fully complete the change of address form and for a name change you are required to complete the Registration Form in full and return the original document to FAS including the proof of your name change i.e. marriage certificate, etc.. Changes may include:

  • Change of name or address
  • Change of marital/dependent status
  • Change of beneficiary
  • Change of benefit coverage for dependent

Pension Plan

How much pension will I get at retirement?

Starting in 2025, you earn $9 of monthly pension for every $1,000 of contributions remitted on your behalf. For service in 2024 or earlier, a more complicated formula was in place. Please see the Plan’s booklet for more information. Your pension earned to date is reported on your annual statement or can be viewed by logging into the member portal at abironworkers.ca. A Pension Calculator is also provided for member in the member portal.

When do I become Vested?

Since 2014, vesting is immediate once you meet the Plan’s 350 hour Covered Employment requirement.