cosman

Benefits Booklet (PDF - 910 KB)

Applicant Enrolment Brief (PDF - 229 KB)

MBC Enrolment Application (PDF - 239 KB)

PAD Agreement (PDF - 520 KB)

Web Access Form (PDF - 584 KB)


 Memorandum: Member Benefits Plan

The member benefits’ overall premium has incurred a significant increase. In partnership with our member benefits consultant, Cosman Benefits & Pension Solutions (CBAPS), we have reviewed the proposed renewal from our current insurer and negotiated on your behalf.

CBAPS negotiated a 52% increase on Health & Dental rates, as opposed to the overall proposed increase of 117%.  The premium is a result of claims utilization. Over the last 12 months, our policy has experienced the following:

  • High Health claims utilization (including drugs, paramedical services, vison & medical supplies); health claims are running at 124% of health premium
  • High utilization particularly on paramedical, including (but not limited to): naturopath, acupuncture, chiropractic, osteopath, physiotherapy
  • High dental claims utilization (preventative and restorative services); dental claims are running at 168% of dental premium

Effective December 1, 2018, the monthly single or family cost per member is as follows:

  • Single $147.02
  • Family $315.70

Membership participation is essential for a sustainable and affordable plan. Without it, the membership may lose their plan.

If you have any questions or concerns, please take the opportunity to contact Anya King at (506) 799-1700 or by email This email address is being protected from spambots. You need JavaScript enabled to view it..

Proud Member of the CMTA

 

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