No Frills UFCW


To better assist you and your family with the rising cost of living, the Board of Trustees is pleased to announce the following benefit enhancements for claims incurred on or after August 1, 2022:

  • Member dental coverage will increase from $800 per year to $1,000 per year.
  • Dependant dental coverage will increase from $325 to $400 per child, per year.
  • Member Vision Care coverage will be increased from $150 every 24-months to $200 (every 12-months if Member is under age 18).
  • Your life insurance benefit will increase, from $10,000 to $20,000.
  • The annual $25 prescription drug deductible per family will be eliminated.
  • All other terms and conditions of the Plan remain the same.

For More Information Contact The Plan Administrator:
Telephone: (416) 674-3350
Toll Free: 1-800-461-4361

You can find out about your life insurance and health and dental care coverage by looking over a copy of your benefit booklet right here.


Print off the claim form you need to submit for reimbursement:


1. How do I know if I'm eligible to claim for benefits?

To be eligible in each 6-month period, you must have worked 350 hours in the prior six-month coverage period. For example the first period is January 1 to June 30 and the second is July 1 to December 31st. Your coverage becomes effective once you have accumulated these hours, and so long as your Employer continues to contribute to the Plan on your behalf. You may contact the Administrator to determine whether or not you are eligible for coverage. Also, notices are sent out prior to the beginning of each 6 month period to inform you of your eligibility status.

2. What do my benefits cover?

* Health Benefits, including prescription drugs, health practitioners, eye exams, glasses, hearing aids and foot care
* Routine dental care benefits
* $10,000 of Life insurance

See booklet for complete details

3. How do I claim?

For health and dental benefits fill out a claim form, available on the website or by request to the Administrator at (416) 674-3350 or toll free at 1-800-461-4361. When you filled out the form, you must attach the required documentation, (receipts, doctor's diagnosis) originals only, and send it all to the Administrator's office.
No Frills/UFCW Benefit Trust Fund
Suite 110 - 61 International Blvd. Toronto, Ontario M9W 6K4
But not before making a copy for yourself. Don't forget, this claim cannot be faxed.

4. Is there a limit to the number of covered visits I can make to the dentist?

In every calendar year there is a benefit maximum for routine dental care. For Members age 18 years and under your benefits cover one visit to the dentist every six months for oral exams and routine care. For members age 19 and over the benefit maximum covers one visit every 9 months.

5. How do I know if I've already reached my maximum for dental or health care?

A notice will be sent out with your benefit payment cheque when you have reached your maximum in a certain period. You can also call the Administrator's office to enquire.
Telephone: (416) 674-3350

6. When does my coverage terminate?

Coverage ends when you are no longer working, (unless on an approved temporary leave), you did not accumulate enough hours during a qualifying period, or your Employer stops making contributions on your behalf, or the Plan is discontinued.

7. If I'm on temporary leave from work, can I continue to accumulate hours for future eligibility?

Depending on the reason for your leave, missing hours will be added to your record. This is called the Supplementary Hours Credit, and it is based on the nature of your absence and the average number of hours you worked in the weeks prior to your leave. Application must be made to the Administrator for approval of such credit.

8. What is a beneficiary?

A beneficiary is the person you have chosen to receive your Life Insurance benefit if you die while covered by the Plan. When you first enroll in the Plan you are given a registration card to fill out. At this time you will indicate the name of your beneficiary. You can change this designated person as often as you wish, but you must do so by filling out an entirely new card and sending it to the Administrator's office.

9. Can I be covered under this Plan and another one at the same time?

Yes, you are allowed coverage under this Plan as well as another, and you can coordinate your benefits so that you receive reimbursement from both, so long as it does not total more than 100% of the cost of the service.

10. Is my dependant child covered?

Yes. Prescription drug expenses and dental care expenses for your dependent children, incurred on or after September 1, 2007, will be reimbursed. This benefit replaces the former coverage. Details are outlined in the Health Care and Dental Care sections of the booklet.