Due to the COVID-19 pandemic, our offices are closed however we are in communication electronically.
Please send all benefit and eligibility queries to: administration@bpagroup.com and all claim inquiries to: claims@bpagroup.com. Please ensure to include your full name, certificate number and reason for inquiry, all inquiries will be handled on a priority basis within 1 business day. Click here to read an important update from your Benefits Department.

AD&D Waiver of Premium, Exlusions & Beneficiary

Waiver of Premium

If you are under age 65 and become totally disabled* while you are insured under this plan and satisfactory evidence of your total disability is provided to Chubb Life Insurance Company of Canada on an annual basis, payment of premium will be waived until the earlier of the following occurs:

  1. you return to active employment with your employer;
  2. you attain age 65;
  3. the master policy underwritten by Chubb Life Insurance Company of Canada is terminated.

Once you return to active employment with your employer, your coverage will continue only upon the commencement of premium payments.

*You will be considered totally disabled if you are unable to engage in any business or occupation and perform in any work for compensation or profit for a time period in accordance with the waiver of premium requirements under the Group Life Insurance policy issued to your employer.


The Plan does not cover any loss, which is the result of:

  1. intentionally self inflicted injuries, suicide or any attempt thereat, while sane or insane;
  2. war or any act thereof;
  3. flying in an aircraft owned or leased by your employer, yourself or a member of your household, or aircraft being used for any test or experimental purpose, firefighting, power line inspection, pipeline inspection, aerial photography or exploration;
  4. flying as pilot or crew member in any aircraft or device for aerial navigation;
  5. full time, active duty in the armed forces.

Note: Accidental Death and Dismemberment benefits cease in accordance with the “TERMINATION OF COVERAGE”, provision, or upon attainment of age 70, whichever is earlier.


For employee death benefits, you may name a beneficiary/beneficiaries and, from time to time, change such named beneficiary/beneficiaries, subject to Provincial law, by written request filed with the administrator. 

The change will take effect as of the date such request was executed, but without prejudice to the Insurance Company for any payments made before such request is received at its Head Office. 

The beneficiary/beneficiaries you designate for the Life Insurance benefit will also apply to Accidental Death & Dismemberment benefit.

Proof of Loss

Written proof stating the occurrence, character and extent of loss must be submitted to the plan administrator within 90 days from the date of the accident for Accidental Death and Dismemberment Insurance.

The Insurance Company shall have the right and opportunity to examine any person whose injury or illness is the basis of claim, when and as often as it may reasonably require during the pending and payment period, if any, of such claim.

Claim Forms


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Teamster Local Union 230 Members' Benefit Fund c/o Benefit Plan Administrators
90 Burnhamthorpe Road West, Suite 300 Mississauga, Ontario L5B 3C3