Merit provides industry-leading benefits, quality education, and unwavering advocacy to meet the needs of our members.
Enhance your employees’ well-being with portable benefits tailored exclusively for the open-shop construction industry and its partners.
Sharpen your skills and stay competitive at Merit College of Construction. High-quality education and scholarships that encourage a skilled, competitive and robust construction workforce.
As provincial policies continue to shift, we stand firm in our mission to elevate Canada’s open shop construction industry. Our mission is to develop a regulatory and business environment that not only supports open shop principles, but a spirit of open and transparency in the construction industry as well.
WE ARE YOUR BENEFITS PROVIDER
ANNOUNCEMENT: To support our open shop companies and their employees, Merit Benefits will assist members who were in-benefit during April 2020 with premium credits. Please visit our News & Events section for details.
Merit is dedicated to the overall well-being of our people. Administered by Merit Benefits, our health benefits and extended health benefit plans designed exclusively for Canada’s construction workers, industry partners and their families.
Our comprehensive benefit plans are not only cost-effective, simple to use and easy to access, they’re portable too. This means workers are always covered on the job, between work—even during layoffs.
Merit Contractors Association benefits include:
Our flexible benefits not only help maintain your overall health, but also protect you against unexpected medical costs.
Merit’s life insurance and income replacement ensures your loved ones are safeguarded from financial loss due to an unforeseen disability or death.
Our direct billing, online claim submissions and convenient app make it easy for to access your benefit information any time—anywhere.
80% basic and 50% major coverage to a combined limit of $2,500 per person per calendar year (every 6 months for children). Children’s orthodontics covered at 50% to a lifetime maximum of $2,500. A 100% basic dental option is available on the Office Supervisory Plan.
80% coverage for eligible drugs. A 100% coverage option is also available on the Office Supervisory Plan.
$350 for covered eye wear and $75 for an eye exam every two calendar years (every year for children). Additional $150 for employees every two years for prescription safety glasses.
100% coverage for semi-private hospital, medical equipment and supplies, and out-of-country medical emergencies. Paramedical coverage for physiotherapists, chiropractic, psychologists, massage therapists and more, subject to hourly and annual limits.
24/7, 365 days a year access to professional counselling and much more.
Coverage of up to $2,000,000 CAD per incident is available in the event of an unexpected medical emergency outside of Canada.
Access to expert specialists for a second medical opinion. Assistance locating specialists and medical facilities and navigating the health care system.
Hour Bank employee life insurance is $100,000. Office Supervisory Plan coverage is one, two or three times salary. In the case of accidental death, the benefit doubles. Life insurance is $10,000 for a spouse and $5,000 for dependent children.
Benefits are available after 120 consecutive days of an employee’s total disability. The Hour Bank LTD benefit is $2,500 per month, increasing to $3,000 after the first 24 payments. The Office Supervisory LTD benefit is based on the employee’s salary.
Benefits are payable on the first day of an employee’s accident or hospitalization, or on the eighth day of a disabling illness. The Hour Bank STD benefit is $800 per week and the Office Supervisory STD benefit is based on the employee’s salary.
Most medical and dental claims can be submitted electronically. Claim payments can be expedited through direct deposit.
Most providers of health and dental services are able to bill Canada Life directly.