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Group Benefits Eligibility

Eligibility Rules: who qualifies and when?

To be eligible, a plan member must:

Coverage begins the first day following the 3 months of continuous employments. Premiums are pro-rated to the
date the employees benefits are effective and will appear on the next billing. For example, if the plan member's coverage is effective February 10, premiums will appear on the March bill.

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Eligibility Medical Evidence Requirements

Groups with fewer than 3 employee participants:

Groups with 3 or more employee participants:

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Additional Provisions

A plan member may cover only one spouse at a time:

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Eligibility of Dependent Children

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Over-Age Dependent Children – Student

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Survivor Benefits

In the event of an employee's death, The plan allows for the Spouse and Dependents already covered for Extended Health and/or Dental to maintain the protection. This coverage will be continued without payment of premium but terminates on the earliest
of the following circumstances:

Note: Request for Survivorship should be indicated at the time the death claim is submitted to The Co-operators via toll-free at 1.866.889.9925 or by mail.

For more information contact The Co-operators toll free at 1.800.667.8164 or email

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