The official website of the INSULATORS LOCAL 95 PENSION TRUST FUND, INSULATORS LOCAL 95 BENEFIT FUND, and INSULATORS LOCAL 95 LIVING ALLOWANCE TRUST FUND (the "Trust Funds") is http://www.insulators95benefits.ca/

The Trustees of the Trust Funds have created this convenient website to offer participating Members of the Trust Funds with online access to news and information about their benefit programs.

Throughout the web pages contained herein, the Trustees have provided information for our members and other interested parties to learn more about the excellent benefits provided under our pension, health & welfare, and living allowance programs.

Curretn Trustee's are

Below is a list of the current Trustees of the three Trust Funds sponsoring the website.

For your convenience you can now download Benefit Forms online in PDF format:

Please refer to the Benefits Plan Administrators page for any further inquiries:

http://www.bpagroup.com/officelocations.htm

The Insulators Local 95 Pension Plan presents this section of the website for both active and retired plan members and their survivors and dependants. This website contains valuable information, tools and services regarding your pension plan. While the site is written in a summary format, we encourage you to browse through it to help you learn about the benefits you may be entitled to under the Plan.

This section of the website describes the conditions of eligibility, coverage and claims procedures under the Insulators Local 95 Benefit Fund("Trust Fund"). The Board of Trustees is solely responsible for establishing the eligibility rules of the Trust Fund. Effort has been made to ensure that the coverage descriptions contained on this website are consistent with the group insurance policies issued by the Insurance Companies and with related government Health coverages. However, this website is not, in itself, a legal contract, so it follows that the terms and conditions of the insurance policies, and of the governing legislation, take precedence in case of dispute.

The Living Allowance Trust fund was established between International Association of Heat and Frost Insulators and Allied Workers Local 95 and Master Insulators Association of Ontario, Incorporated effective – September 1, 1980.

If you’re planning or beginning your retirement, or just wondering what government services and programs are available now that you are getting close to age of retirement, this is the section for you.

Most of us will be able to get money through one or more government plans, but you have to apply and be approved. Below are links to some of the major Government Plans.