Applying for Optional Coverage

Under your group insurance program, an employee is eligible to apply for optional life and accidental death & dismemberment (for employee and/or spouse) at any time.

Optional Life and Accidental Death & Dismemberment and Optional Spousal Life Insurance

1. Employee must complete a new Employee Application for Group Insurance indicating the additional amount of insurance for which the employee and/or spouse wish to apply

2. Plan administrator should ensure that the employee (and/or spouse if applicable) completes all questions in Section 3 (and Section 4 if necessary) on the new Employee Application for Group Insurance and the form is signed and dated by the employee and/or spouse if applicable

3. Mail the original forms to Morneau Sobeco

4. Retain a photocopy for your files

5. Plan Administrator will receive a letter advising you of The Co-operators' decision (approval or declination) or of any additional requirements

6. Once approved, the new coverage will be added to your premium statement by Morneau Sobeco

Optional Long Term Disability Insurance (for employees only)

If an employee wishes to apply for additional amounts of long term disability insurance, his/her salary must support the requested additional amount.

1. Employee must complete a new Employee Application for Group Insurance indicating the additional amount of insurance for which the employee wishes to apply

2. Plan administrator should ensure that the employee completes all questions in Section 3 (and Section 4 if necessary) on the new Employee Application for Group Insurance and the form is signed and dated

3. Mail the original application to Morneau Sobeco

4. Retain a photocopy for your files

5. Plan Administrator will receive a letter advising you of The Co-operators' decision (approval or declination) or of any additional requirements

6. Once approved, the new coverage will be added to your premium statement by Morneau Sobeco

Changing Smoking Status

1. Employee must complete the Non Smoking Declaration Form

2. Mail the original form to Morneau Sobeco

3. Retain a photocopy for your files

Note: Morneau Sobeco will record the applicable changes on your premium statement

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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.

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All Rights Reserved.