E-mail us
 |
|||
| Back
|
|||
| Search
|
|||
| Site Map
|
|||
| Forms & Brochures
|
|||
|
|||
Eligibility Rules (i.e., who qualifies and when)
To be eligible, the employee must:
- Be employed for three continuous months on a full-time and permanent basis
- Work a minimum of 20 hours per week
- Be "actively at work" when he or she becomes eligible for coverage
- Have to be medically approved by the insurer
Coverage begins three months from the date of hire as defined above or on the date that the employee becomes medically approved, whichever is later. Premiums become payable on the first of the month coincident with or next following the effective date. For example, if the employee’s coverage is effective February 10, premiums for the new coverage start on March 1. If the employee’s coverage was effective February 1, then both the eligibility date and premium payments would begin on February 1.
Additional Provisions
An employee may cover only one spouse at a time:
- A legal spouse
- An estranged spouse (separated)
- An ex-spouse (divorced)
- A common-law spouse: A Common Law Spouse is eligible for coverage under this agreement when living together in a conjugal relationship with the employee continuously for a period of not less than one year.
Eligibility of Dependent Children
Dependent Children are eligible for coverage as defined in this agreement up to the attainment of their 21st birthday or to the attainment of their 25th birthday (26th birthday if the employee is a resident of Quebec) if enrolled and in full-time attendance at an accredited college or university.
Children over 21 years of age may qualify for coverage if they are dependent upon the covered employee by reason of a mental or physical disability. If a dependent becomes mentally or physical disabled at a later date, please contact Morneau Sobeco for more information.
Eligibility of Unmarried Dependent Children
Dependent children are eligible for benefits up to the age restrictions noted on the benefit summary pages of the Employee Handbook provided they are not married (or living in a common law relationship) and they are financially dependent on the employee or the employee’s spouse. Dependent children are automatically terminated upon reaching the age restrictions outlined in the benefit summary pages of the Employee Handbook.
Eligibility of Over-Age Dependent Children - Student
An over-age dependent child is 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. The Co-operators will require that the employee complete a Declaration of Student Eligibility Form. This form must be submitted prior to each semester that the dependent attends school.
Survivor Benefits
In the event that the employee dies while covered under this agreement, the level of health and dental benefits provided to that employee will continue to cover a survivor for up to 24 months from the date of death at no cost
Coverage will terminate if a deceased employee’s spouse remarries or the deceased employee's children are no longer eligible for coverage (please see dependent eligibility rules above), whichever happens first.
If you have any further questions, please 
contact us; we'll be glad to help you.
This information is not intended for use without professional advice. While we have attempted to make this site as accurate as possible, it is only a summary. For more information, see our disclaimer.