UnionInsulators Local 95 wages 2026 (Ontario)
The hourly rates, overtime, shift, vacation and LOA rules of HFIAW Local 95 in Ontario, read from the nine agreements built into the Insulator Cheque app. An independent guide: the agreement and your hall have the final word.
ICI, Zone 1 Central (36-hour week)
Master Insulators' Association of Ontario / IAHFIAW Local 95 Provincial Collective Agreement 2025–2028, Schedule A Zone 1 (Ontario outside Zones 2 and 3), 36-hour week
$53.78an hour
Journeyperson, ICI, Zone 1 Central (36-hour week)
From May 3, 2026. Next step $55.77 on May 2, 2027.
| Classification | From May 3, 2026 | From May 2, 2027 |
|---|---|---|
| Journeypersonbase rate | $53.78 | $55.77 |
| Journeyperson in charge of 3 or more (+$1.00)JM +$1 | $54.78 | $56.77 |
| Journeyperson in charge of 9 or more (+$3.00)JM +$3 | $56.78 | $58.77 |
| 4th-year apprentice80% of package | $43.85 | $45.45 |
| 3rd-year apprentice70% of package | $37.48 | $38.87 |
| 2nd-year apprentice60% of package | $31.11 | $32.30 |
| 1st-year apprentice50% of package | $24.73 | $25.73 |
- Overtime
- Regular week 36 hours: 8 h Monday to Thursday and 4 h Friday (3.01 a i). 3.02 (a)(i): "the first hour (1) of overtime Monday to Thursday and the first four (4) hours on Friday shall be paid at the rate of one and one halftimes .. to a maximum of four (4) hours total per week"; all other overtime, and all Saturday, Sunday and holiday hours, is double (3.02 a ii, 3.03 a).
- Shift premium
- 15% of the rate on straight-time hours worked on shift.
- Vacation and stat holiday pay
- 6% vacation pay and 4% holiday pay on top of wages, taxed with them.
- LOA, subsistence and travel
- Over 50 miles from the nearest listed municipality (8 h × the living allowance: $144 a day from May 3 2026, $140 before, $148 from May 2 2027).
ICI, Zone 1 Central, project deemed a 40-hour week
MIAO / IAHFIAW Local 95 Provincial Collective Agreement 2025–2028, Schedule A Zone 1, project deemed a regular 40-hour week (3.01 a ii)
$53.78 an hour, journeyperson, from May 3, 2026; $55.77 from May 2, 2027.
| Classification | From May 3, 2026 | From May 2, 2027 |
|---|---|---|
| Journeypersonbase rate | $53.78 | $55.77 |
| Journeyperson in charge of 3 or more (+$1.00)JM +$1 | $54.78 | $56.77 |
| Journeyperson in charge of 9 or more (+$3.00)JM +$3 | $56.78 | $58.77 |
| 4th-year apprentice80% of package | $43.85 | $45.45 |
| 3rd-year apprentice70% of package | $37.48 | $38.87 |
| 2nd-year apprentice60% of package | $31.11 | $32.30 |
| 1st-year apprentice50% of package | $24.73 | $25.73 |
- Overtime
- Project deemed a 40-hour week (3.01 a ii): five 8-hour days, and every hour past 8 Monday to Friday is double (3.02 a); the time and a half of 3.02 (a)(i) applies only where the week is 36 hours.
- Shift premium
- 15% of the rate on straight-time hours worked on shift.
- Vacation and stat holiday pay
- 6% vacation pay and 4% holiday pay on top of wages, taxed with them.
- LOA, subsistence and travel
- Over 50 miles from the nearest listed municipality (8 h × the living allowance: $144 a day from May 3 2026, $140 before, $148 from May 2 2027).
ICI, Zone 2 Northwestern (40-hour week; also Central Northern projects deemed 40 h)
MIAO / IAHFIAW Local 95 Provincial Collective Agreement 2025–2028, Schedule B Zone 2, Northwestern Zone (Kenora, Rainy River, Thunder Bay, Algoma, Patricia), 40-hour week
$53.15 an hour, journeyperson, from May 3, 2026; $55.15 from May 2, 2027.
| Classification | From May 3, 2026 | From May 2, 2027 |
|---|---|---|
| Journeypersonbase rate | $53.15 | $55.15 |
| Journeyperson in charge of 3 or more (+$1.00)JM +$1 | $54.15 | $56.15 |
| Journeyperson in charge of 9 or more (+$3.00)JM +$3 | $56.15 | $58.15 |
| 4th-year apprentice80% of package | $43.35 | $44.95 |
| 3rd-year apprentice70% of package | $37.04 | $38.44 |
| 2nd-year apprentice60% of package | $30.73 | $31.93 |
| 1st-year apprentice50% of package | $24.42 | $25.41 |
- Overtime
- Off-shift (3.04 c): 8 hours worked for 8 paid plus "a 15% premium to the base rate for all regular hours worked during the off-shift", not on overtime.
- Shift premium
- 15% of the rate on straight-time hours worked on shift.
- Vacation and stat holiday pay
- 6% vacation pay and 4% holiday pay on top of wages, taxed with them.
- LOA, subsistence and travel
- Over 50 miles from the nearest listed municipality (8 h × the living allowance: $144 a day from May 3 2026, $140 before, $148 from May 2 2027).
ICI, Zone 2 Central Northern (36-hour week)
MIAO / IAHFIAW Local 95 Provincial Collective Agreement 2025–2028, Schedule B Zone 2, Central Northern Zone (Cochrane, Sudbury, Timiskaming, Nipissing, Parry Sound), 36-hour week
$53.15 an hour, journeyperson, from May 3, 2026; $55.15 from May 2, 2027.
| Classification | From May 3, 2026 | From May 2, 2027 |
|---|---|---|
| Journeypersonbase rate | $53.15 | $55.15 |
| Journeyperson in charge of 3 or more (+$1.00)JM +$1 | $54.15 | $56.15 |
| Journeyperson in charge of 9 or more (+$3.00)JM +$3 | $56.15 | $58.15 |
| 4th-year apprentice80% of package | $43.35 | $44.95 |
| 3rd-year apprentice70% of package | $37.04 | $38.44 |
| 2nd-year apprentice60% of package | $30.73 | $31.93 |
| 1st-year apprentice50% of package | $24.42 | $25.41 |
- Overtime
- Regular week 36 hours: 8 h Monday to Thursday and 4 h Friday (3.01 a i). 3.02 (a)(i): "the first hour (1) of overtime Monday to Thursday and the first four (4) hours on Friday shall be paid at the rate of one and one halftimes .. to a maximum of four (4) hours total per week"; all other overtime, and all Saturday, Sunday and holiday hours, is double (3.02 a ii, 3.03 a).
- Shift premium
- 15% of the rate on straight-time hours worked on shift.
- Vacation and stat holiday pay
- 6% vacation pay and 4% holiday pay on top of wages, taxed with them.
- LOA, subsistence and travel
- Over 50 miles from the nearest listed municipality (8 h × the living allowance: $144 a day from May 3 2026, $140 before, $148 from May 2 2027).
ICI, Zone 3 Eastern (36-hour week)
MIAO / IAHFIAW Local 95 Provincial Collective Agreement 2025–2028, Schedule C Zone 3 (Renfrew, Lanark, Dundas, Russell, Stormont, Prescott, Glengarry and Ottawa-Carleton), 36-hour week
$52.08 an hour, journeyperson, from May 3, 2026; $54.07 from May 2, 2027.
| Classification | From May 3, 2026 | From May 2, 2027 |
|---|---|---|
| Journeypersonbase rate | $52.08 | $54.07 |
| Journeyperson in charge of 3 or more (+$1.00)JM +$1 | $53.08 | $55.07 |
| Journeyperson in charge of 9 or more (+$3.00)JM +$3 | $55.08 | $57.07 |
| 4th-year apprentice80% of package | $42.49 | $44.08 |
| 3rd-year apprentice70% of package | $36.29 | $37.68 |
| 2nd-year apprentice60% of package | $30.08 | $31.28 |
| 1st-year apprentice50% of package | $23.88 | $24.88 |
- Overtime
- Regular week 36 hours: 8 h Monday to Thursday and 4 h Friday (3.01 a i). 3.02 (a)(i): "the first hour (1) of overtime Monday to Thursday and the first four (4) hours on Friday shall be paid at the rate of one and one halftimes .. to a maximum of four (4) hours total per week"; all other overtime, and all Saturday, Sunday and holiday hours, is double (3.02 a ii, 3.03 a).
- Shift premium
- 15% of the rate on straight-time hours worked on shift.
- Vacation and stat holiday pay
- 6% vacation pay and 4% holiday pay on top of wages, taxed with them.
- LOA, subsistence and travel
- Over 50 miles from the nearest listed municipality (8 h × the living allowance: $144 a day from May 3 2026, $140 before, $148 from May 2 2027).
ICI, Zone 3 Eastern, project deemed a 40-hour week
MIAO / IAHFIAW Local 95 Provincial Collective Agreement 2025–2028, Schedule C Zone 3, project deemed a regular 40-hour week (3.01 a ii)
$52.08 an hour, journeyperson, from May 3, 2026; $54.07 from May 2, 2027.
| Classification | From May 3, 2026 | From May 2, 2027 |
|---|---|---|
| Journeypersonbase rate | $52.08 | $54.07 |
| Journeyperson in charge of 3 or more (+$1.00)JM +$1 | $53.08 | $55.07 |
| Journeyperson in charge of 9 or more (+$3.00)JM +$3 | $55.08 | $57.07 |
| 4th-year apprentice80% of package | $42.49 | $44.08 |
| 3rd-year apprentice70% of package | $36.29 | $37.68 |
| 2nd-year apprentice60% of package | $30.08 | $31.28 |
| 1st-year apprentice50% of package | $23.88 | $24.88 |
- Overtime
- Project deemed a 40-hour week (3.01 a ii): five 8-hour days, and every hour past 8 Monday to Friday is double (3.02 a); the time and a half of 3.02 (a)(i) applies only where the week is 36 hours.
- Shift premium
- 15% of the rate on straight-time hours worked on shift.
- Vacation and stat holiday pay
- 6% vacation pay and 4% holiday pay on top of wages, taxed with them.
- LOA, subsistence and travel
- Over 50 miles from the nearest listed municipality (8 h × the living allowance: $144 a day from May 3 2026, $140 before, $148 from May 2 2027).
Maintenance, Zone 1 Central (Appendix 3)
MIAO / IAHFIAW Local 95 Maintenance Agreement 2025–2028 (Appendix 3), Schedule D Zone 1
$51.24 an hour, journeyperson, from May 3, 2026; $53.15 from May 2, 2027.
| Classification | From May 3, 2026 | From May 2, 2027 |
|---|---|---|
| Journeypersonbase rate | $51.24 | $53.15 |
| Journeyperson in charge of 3 or more (+$1.00)JM +$1 | $52.24 | $54.15 |
| Journeyperson in charge of 9 or more (+$3.00)JM +$3 | $54.24 | $56.15 |
| 4th-year apprentice80% of package | $41.82 | $43.35 |
| 3rd-year apprentice70% of package | $35.70 | $37.04 |
| 2nd-year apprentice60% of package | $29.58 | $30.73 |
| 1st-year apprentice50% of package | $23.46 | $24.41 |
- Overtime
- The first 2 h of overtime Monday to Friday at time and a half, then double (2.01 e); Saturday, Sunday and holidays double; work on a scheduled non-working Friday without notice by the Wednesday is double.
- Shift premium
- 15% of the rate on straight-time hours worked on shift.
- Vacation and stat holiday pay
- 6% vacation pay and 4% holiday pay on top of wages, taxed with them.
- LOA, subsistence and travel
- Over 50 miles from the nearest listed municipality (8 h × the living allowance: $144 a day from May 3 2026, $140 before, $148 from May 2 2027).
Maintenance, Zone 2 Northwestern and Central Northern (Appendix 3)
MIAO / IAHFIAW Local 95 Maintenance Agreement 2025–2028 (Appendix 3), Schedule E Zone 2 (Northwestern and Central Northern districts)
$50.63 an hour, journeyperson, from May 3, 2026; $52.55 from May 2, 2027.
| Classification | From May 3, 2026 | From May 2, 2027 |
|---|---|---|
| Journeypersonbase rate | $50.63 | $52.55 |
| Journeyperson in charge of 3 or more (+$1.00)JM +$1 | $51.63 | $53.55 |
| Journeyperson in charge of 9 or more (+$3.00)JM +$3 | $53.63 | $55.55 |
| 4th-year apprentice80% of package | $41.33 | $42.86 |
| 3rd-year apprentice70% of package | $35.27 | $36.62 |
| 2nd-year apprentice60% of package | $29.21 | $30.36 |
| 1st-year apprentice50% of package | $23.15 | $24.11 |
- Overtime
- Standard week 40 hours; the first 2 h of overtime Monday to Friday at time and a half, then double; Saturday, Sunday and holidays double; unannounced work on a non-working Friday double (Appendix 3, 2.01).
- Shift premium
- 15% of the rate on straight-time hours worked on shift.
- Vacation and stat holiday pay
- 6% vacation pay and 4% holiday pay on top of wages, taxed with them.
- LOA, subsistence and travel
- Over 50 miles from the nearest listed municipality (8 h × the living allowance: $144 a day from May 3 2026, $140 before, $148 from May 2 2027).
Maintenance, Zone 3 Eastern (Appendix 3)
MIAO / IAHFIAW Local 95 Maintenance Agreement 2025–2028 (Appendix 3), Schedule F Zone 3
$49.60 an hour, journeyperson, from May 3, 2026; $51.51 from May 2, 2027.
| Classification | From May 3, 2026 | From May 2, 2027 |
|---|---|---|
| Journeypersonbase rate | $49.60 | $51.51 |
| Journeyperson in charge of 3 or more (+$1.00)JM +$1 | $50.60 | $52.51 |
| Journeyperson in charge of 9 or more (+$3.00)JM +$3 | $52.60 | $54.51 |
| 4th-year apprentice80% of package | $40.51 | $42.04 |
| 3rd-year apprentice70% of package | $34.55 | $35.89 |
| 2nd-year apprentice60% of package | $28.60 | $29.75 |
| 1st-year apprentice50% of package | $22.64 | $23.60 |
- Overtime
- Standard week 40 hours; the first 2 h of overtime Monday to Friday at time and a half, then double; Saturday, Sunday and holidays double; unannounced work on a non-working Friday double (Appendix 3, 2.01).
- Shift premium
- 15% of the rate on straight-time hours worked on shift.
- Vacation and stat holiday pay
- 6% vacation pay and 4% holiday pay on top of wages, taxed with them.
- LOA, subsistence and travel
- Over 50 miles from the nearest listed municipality (8 h × the living allowance: $144 a day from May 3 2026, $140 before, $148 from May 2 2027).
One 36-hour week, worked out
Week of October 25, 2026Journeyperson, ICI, Zone 1 Central (36-hour week)
Example| Day | Sun | Mon | Tue | Wed | Thu | Fri | Sat |
|---|---|---|---|---|---|---|---|
| Hours | 0 | 8 | 8 | 8 | 8 | 4 | 0 |
| Earnings | |
| Regular36 h × 53.78 | 1,936.08 |
| Vacation pay6% | 116.16 |
| Holiday pay4% | 77.44 |
| Gross pay | 2,129.68 |
| Deductions | |
| union dues $3.05 (apprentice $2.70) + Living Allowance Fund 25¢ + JAC 11¢36 h | −122.76 |
| CPP5.95% | −122.71 |
| EI1.63% | −34.71 |
| Income taxestimate | −415.88 |
What's missing
Where the app can't follow a rule to the letter yet, its notes say so, and say how to allow for it when you enter your hours. From this page's agreements:
- ICI, Zone 1 Central (36-hour week). In a week with a holiday Monday to Thursday, a Friday afternoon is paid straight until the week reaches 36 h, where the agreement pays a Friday's hours past 4 as overtime. In subsistence areas four 9-hour days may be agreed (3.01 b): pick 4×9.
- ICI, Zone 2 Central Northern (36-hour week). In a week with a holiday Monday to Thursday, a Friday afternoon is paid straight until the week reaches 36 h, where the agreement pays a Friday's hours past 4 as overtime. In subsistence areas four 9-hour days may be agreed (3.01 b): pick 4×9.
- ICI, Zone 3 Eastern (36-hour week). In a week with a holiday Monday to Thursday, a Friday afternoon is paid straight until the week reaches 36 h, where the agreement pays a Friday's hours past 4 as overtime. In subsistence areas four 9-hour days may be agreed (3.01 b): pick 4×9.
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Questions
What does a Local 95 journeyperson make in 2026?
$53.78 an hour under the Master Insulators' Association of Ontario / IAHFIAW Local 95 Provincial Collective Agreement 2025–2028, Schedule A Zone 1 (Ontario outside Zones 2 and 3), 36-hour week, from May 3, 2026. The other agreements on this page: ICI, Zone 1 Central, project deemed a 40-hour week $53.78, ICI, Zone 2 Northwestern (40-hour week; also Central Northern projects deemed 40 h) $53.15, ICI, Zone 2 Central Northern (36-hour week) $53.15, ICI, Zone 3 Eastern (36-hour week) $52.08, ICI, Zone 3 Eastern, project deemed a 40-hour week $52.08, Maintenance, Zone 1 Central (Appendix 3) $51.24, Maintenance, Zone 2 Northwestern and Central Northern (Appendix 3) $50.63 and Maintenance, Zone 3 Eastern (Appendix 3) $49.60.
When is the next Local 95 raise?
The next step in the ICI, Zone 1 Central (36-hour week) schedule is $55.77 an hour on May 2, 2027.
What do Local 95 apprentices make?
4th-year apprentice $43.85 (80% of package), 3rd-year apprentice $37.48 (70% of package), 2nd-year apprentice $31.11 (60% of package) and 1st-year apprentice $24.73 (50% of package) an hour from May 3, 2026.
How much is the Local 95 LOA?
Over 50 miles from the nearest listed municipality (8 h × the living allowance: $144 a day from May 3 2026, $140 before, $148 from May 2 2027).
How is Local 95 overtime paid?
Regular week 36 hours: 8 h Monday to Thursday and 4 h Friday (3.01 a i). 3.02 (a)(i): "the first hour (1) of overtime Monday to Thursday and the first four (4) hours on Friday shall be paid at the rate of one and one halftimes .. to a maximum of four (4) hours total per week"; all other overtime, and all Saturday, Sunday and holiday hours, is double (3.02 a ii, 3.03 a).
Sources
The agreements and schedules these numbers were read from. Built October 15, 2026 from the Insulator Cheque app, version 1.0.0.
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