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
What's covered?
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:
Premium
$34.00/week
$7.00/day* (up to $34/week maximum)
*applicable to Choreographers, Fight Directors, Intimacy Directors
Company Category
A-2, A+, A, B, Sector 2 C, DOT Tier 2, OPA, COA, VOA, Stratford, Shaw
Reimbursement
100% of policy maximums
Subject to NO annual deductible
Maximums
Medical supplies and services: $6000 per person per calendar year ($1300 maximum per specialty)
Semi-private hospital: $3000 per person per calendar year
Durable medical supplies: $5500 per person per calendar year
Accidental dental: $3000 per accident
Vision Care: Reimbursement of 50% of eligible expenses, up to a maximum of $100 every 24 consecutive months
Premium
$24.00/week
$7.00/day* (up to $24/week maximum)
*applicable to Choreographers, Fight Directors, Intimacy Directors
Company Category
Sector 1 C, D, E, Sector 2 F, DOT Tier 1
Reimbursement
85% of policy maximums
Subject to NO annual deductible
Maximums
Medical supplies and services: $6000 per person per calendar year ($650 maximum per specialty)
Semi-private hospital: $3000 per person per calendar year
Durable medical supplies: $5500 per person per calendar year
Accidental dental: $3000 per accident
Vision Care: Reimbursement of 50% of eligible expenses, up to a maximum of $100 every 24 consecutive months
Premium
$20.00/week
$7.00/day* (up to $20/week maximum)
*applicable to Workshops, Choreographers, Fight Directors, Intimacy Directors
Company Category
Sector 1 F, G, TYA, INDIE, Workshops
Reimbursement
85% of policy maximums
Subject to NO annual deductible
Maximums
Medical supplies and services: $6000 per person per calendar year ($650 maximum per specialty)
Semi-private hospital: $3000 per person per calendar year
Durable medical supplies: $5500 per person per calendar year
Accidental dental: $3000 per accident
Vision Care: Reimbursement of 50% of eligible expenses, up to a maximum of $100 every 24 consecutive months
Premium
$12.00/week
$7.00/day* (up to $12/week maximum)
*applicable to Choreographers, Fight Directors, Intimacy Directors
Company Category
Artists Collective Policy, Festival, Amateur
Reimbursement
Up to 85% of policy maximums
Maximums
Medical supplies and services: $6000 per person per calendar year ($650 maximum per specialty)
Semi-private hospital: $3000 per person per calendar year
Durable medical supplies: $5500 per person per calendar year
Accidental dental: $3000 per accident
Eligibility
Non-members engaged under Apprentice or Permittee contracts
Reimbursement
Up to 85% of policy maximums
Maximums
Medical supplies and services: $3500 per person per calendar year ($650 maximum per specialty)
Semi-private hospital: $3000 per person per calendar year
Durable medical supplies: $5500 per person per calendar year
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.
[Check your eligibility in your MyEquity account]
Accident only 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%.
Accidental Death & Dismemberment Coverage
Equity members in good standing benefit from AD&D coverage, provided through Chubb Life Insurance Company of Canada.
Eligibility
Members in good standing under contract with an Extraordinary Risk Rider
Reimbursement
$25,000 to $150,000 depending on injury
$150,000 for loss of life
Eligibility
Members in good standing
Reimbursement
$2,500 to $20,000 depending on injury
$20,000 for loss of life
Eligibility
Members in good standing paying a weekly insurance premium of $34.00/week
Reimbursement
$5,000 to $40,000 depending on injury
$40,000 for loss of life