If I over-pay or fall behind on my dues, how will I be refunded, and when will the outstanding dues be deducted?

Refunds and arrears are made on the 1st pay of every month.
How are the Executive members (National President, National 1st Vice President, National 2nd Vice President, National Secretary-Treasurer, and the nine divisional Vice-Presidents) elected?

Elections are held every three years during the national convention.
Where should I seek redress if I have a dispute with my employer?

You can contact your branch President at any time if you have any questions regarding your working conditions. Click here for the name and contact details.
How much does APOC membership cost?

The amount of the annual membership dues including the per capita assessed cost for the Association’s Group Life Insurance plan payable by each member of the Association shall be 1.30 per cent of the maximum salary of an OP 1 or its equivalent under any subsequent job evaluation plan. This amount to be settled annually in twenty-four (24) equal payments.

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Group Life Insurance

Who is eligible for the APOC Group Life Insurance?

Coverage is available to all members aged 70 at the date of application or aged 65 if retired.
How can I take an optional life insurance program with monthly premiums?

APOC members can take optional life insurance of up to $90,000 in multiples of $10,000, on condition that they provide proof of insurability. This insurance is not available to members on disability leave or long-term illness, and terminates at the age of 65.
Will I keep my insurance if I am no longer with APOC?

No. You will not be insured if you quit our bargaining unit.
Can I still be insured through APOC when I retire?

You can still be insured after retirement up to the age of 65. The one-year premium for the basic plan is due in advance at a cost of $288 plus the relevant taxes. The price of any optional premiums depends on the premium and is subject to the applicable taxes.
What is the difference between revocable and irrevocable?

Revocable means that you can change the beneficiary at any time. The irrevocable designation means that you cannot invalidate the designation of the present beneficiary without his or her written consent.
In Quebec, can I change the beneficiary if my partner is the designated beneficiary?

Quebec law stipulates that a spouse identified as a beneficiary is irrevocable, unless you stated that the designation is revocable on your card.
How much time do I have to claim a premium after a death occurs?

Claims must be made within one year after the date of death.
How much is the basic plan?

You must be a member to be eligible for the APOC Group Life Insurance.
What are the basic plan’s allowed amounts?

The basic plan for members is $20,000, $5,000 for a member’s spouse and $2,000 for every dependent child.

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