Be a full-time employee who works a minimum of 15 hours per week and has completed the probationary period of 3 months of continuous service. Be a resident of Canada; and
Not have attained the age of 65 upon receiving application for insurance.
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.
A plan member may cover only one spouse at a time:
A legal spouse
A common-law spouse: a common law spouse is eligible for coverage under this agreement when living together in a conjugal relationship with the plan member continuously for a period of not less than one year
Eligibility of Dependent Children
Dependent children are eligible for coverage as defined in master policy up to their 21st birthday provided they are not married (or living in a common law relationship) and they are financially dependent on the plan member or the plan member's spouse, or
Up to 25th birthday if enrolled and in full-time attendance at an accredited college or university (up to 26th birthday in Quebec)
Children over 21 years of age, if they are considered dependent upon the covered plan member by reason of a mental or physical disability (Note: If a dependent child becomes mentally or physically disabled at a later date, please contact Morneau Shepell for more information).
Dependent children are automatically terminated upon reaching the age restrictions outlined in the benefit summary pages of the provision.
Over-Age Dependent Children – Student
Over-age dependent children are eligible for benefits provided he or she is attending a recognized school, college or university on a full-time basis.
Full-time attendance means more than ten hours of classroom instruction per week.
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:
Upon the termination of the Master Policy; or
Upon the completion of 24 months from the date of the plan member's death; or
Upon ceasing to be an eligible Dependent for any reason other than there not being an eligible insured member or insured employee living.
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.