The Plan Administrator should have the new hire complete the appropriate application for group coverage.
Once the Plan Administrator provides details on the plan to the employee, the employee has three options:
Enrol in the program for ALL benefits; or
Enrol in ALL benefits except health/dental if comparable coverage is available through a spouse’s plan; or
Refuse ALL benefits offered under the program
In order to maintain the participation levels outlined in your contract, The Co-operators recommends that enrolment in the program be a condition of employment. Should employees choose to decline benefits, remember that the participation level requirement cannot be compromised.
During the Waiting Period
Plan Administrator completes Section 1 of the Group Enrolment or Sections 1 and 2 of the Change Form
Employee completes Section 2 to 7 of the Group Enrolment or Sections 3 and 4 of the Change Form
Plan Administrator must review the form to ensure that:
All sections are complete
The new hire has signed up for the correct benefits
The application is signed and dated
The form must be completed and submitted within 31 days of the end of the waiting period. If there is a discrepancy between this time period and the effective date, please attach a memo to the application card outlining the reason.
Mail the original application to The Co-operators at the following address:
Co-operators Life Insurance Company
Group Administration Department
1920 College Ave
Regina, Saskatchewan S4P 1C4
Plan Administrator retains a file copy
After the Expiration of the Waiting Period - "Late Applicant"
An employee who does not complete and sign a Group Enrolment or Change Form within 31 days from the eligibility date will be considered a late applicant.
An employee who is considered a late applicant must submit the Group Health Evidence Questionnaire to The Co-operators for approval. The Co-operators will then advise the Plan Administrator of the carrier’s decision to grant or deny coverage. Coverage commences only when formal written approval is received from the insurance carrier. Dental coverage will also be restricted in the first year of coverage.
The same procedure for late enrolment of employees applies for late enrolment of dependents. An employee must enrol eligible dependents in the plan within 31 days from the date the dependents became eligible for dependent benefits.
Plan Administrator completes Sections A and F of the Group Enrolment or Change Form within 31 days from the eligibility date will be considered a late applicant.
Employee completes Sections B to E of the Group Enrolment or Change Form
Employee completes a Group Health Evidence Form
Mail the original application and the original health evidence form to The Co-operators
Plan Administrator retains a file copy of each form
Plan Administrator will receive a letter advising of The Co-operators’ decision (approval or declination) or of any additional requirements
Once approved, the new coverage will be added to your premium statement and an Employee Benefits Program handbook should be provided for the employee. Contact Morneau Shepell for a supply of employee handbooks.