If you obtain full-time employment at any hospital, the plan will continue to provide coverage during any waiting period until your full-time benefits begin. At that time, you will need to contact HCP to advise us of your change in employment status, as you will then be covered under your hospital benefits.

You will also be required to complete and return a termination form to HCP before your coverage can be cancelled, so please ensure you contact our office promptly.

If you later return to part-time or casual employment and lose your hospital benefits, you would again be eligible to re-enroll in the HCP plan.

The hospital endorses the plan; however, it is not involved in the administration of the plan. The hospital’s role is limited to confirming your hire date, date of transfer from full-time to part-time status, or retirement date. HCP will handle all other aspects of the plan administration.

It is important that you contact HCP whenever there is a change to your status or personal information, such as getting married, having a baby, transferring to full-time employment, moving, leaving the hospital, or if your regularly scheduled hours increase to more than 18 hours per week or decrease to less than 18 hours per week.

Please note that we will not be aware of these changes unless you notify us.

Most individuals working part-time or casual hours at an Ontario hospital receive compensation in lieu of benefits. If you are receiving this type of compensation, it will continue if you choose to enroll in the plan.

a. To enroll in the plan, we require a deposit and first month premium payment equal to the monthly premium for the guaranteed coverage you are enrolling in.

b. Deposits are held in trust to protect you should there be any banking interruptions. If the deposit is not used to cover any premium, we will refund it to you at the time of termination. The first month premium payment is for the first month of coverage.

c. If you are applying using the Buy Now button on our website, you must pay the deposit and first month premium by credit card. If you are submitting a paper enrollment, you also have the option to submit 2 cheques. If you choose this method of payment, you must complete 2 cheques: one for the deposit and one for the first month premium. Both are made payable to HCP Group Insurance Plan, and both are equal to one month of coverage. The deposit cheque is current dated, and the first month premium cheque is dated the first of the month you wish coverage to start.

d. Regardless of what method of payment you use for the deposit and first month premium, ongoing monthly premiums must come out of a pre-authorized chequing account. As part of the enrollment, you must provide us with your banking information. Ongoing premium withdrawals will come out of your account on the last pay date of the month.

You are required to ensure all eligible family members are enrolled if they do not have extended health care benefits through another group benefits plan (such as a spouse’s/partner’s workplace coverage).

Things to consider:

• If your spouse/partner has their own benefits, it may make sense to enroll as single. If dependents are covered under that plan, they can stay there.

• If you choose to cover your spouse/partner/dependents under this plan as well, coordination of benefits can help maximize coverage.

If you are enrolling in an HCP plan, LTD coverage is included in the Signature and Supreme packages as a base benefit. The base coverage is also guaranteed in a 60-day open window.

You can also add additional LTD coverage up to $5,000 total (including base coverage) or 65% of your gross monthly salary, whichever is less.

The Health Care Providers Plan (HCP) follows group rules. If you are eligible for the Signature or Supreme package, which includes the base Life, Long Term Disability, and Accidental Death, Disease & Dismemberment coverage, you are required to enroll in this coverage.

Any optional enhancement to the base Life and Long-Term Disability coverage is optional.

Yes, and we encourage you to consider doing so.

While the basic $1,000 Long-Term Disability (LTD) benefit provides a foundational level of protection, it is designed to offer only minimal income replacement. In most cases, this amount is not sufficient to cover regular living expenses such as housing, utilities, food, transportation, and other ongoing financial commitments.

Increasing your LTD coverage helps ensure greater financial stability if you are unable to work due to illness or injury. A higher benefit amount can help replace a more realistic portion of your income, reducing the risk of financial hardship during a period of disability.

In short, enhancing your coverage provides stronger income protection and greater peace of mind, ensuring you and your family are better supported if the unexpected happens.

Additional LTD coverage is subject to medical underwriting.

This means that if you apply to increase your Long-Term Disability (LTD) coverage beyond the basic amount, you will be required to complete a medical questionnaire or provide medical evidence for review.

Approval is based on the assessment of your health and medical history at the time of application. This process helps ensure fair and accurate evaluation of risk for any additional coverage requested.

If approved, the increased coverage will provide greater income protection in the event of a disability.

You can apply for additional Long-Term Disability (LTD) coverage up to 65% of your gross monthly salary, to a maximum benefit of $5,000 per month.

Yes. In addition to your basic life insurance coverage of $10,000, you can apply for optional additional coverage for yourself, as well as add life insurance for your spouse and dependent children.

Additional life insurance for the plan member is available in units of $10,000, up to a maximum of $500,000. For your spouse, coverage is also available in units of $10,000, up to a maximum of $500,000. Dependent children may be covered in units of $5,000, up to a maximum of $50,000.

Like Long-Term Disability (LTD) coverage, all additional life insurance is subject to medical underwriting. This means you will be required to complete a health questionnaire or provide medical information, and approval is based on a review of your medical history at the time of application.

This process ensures that any additional coverage is appropriately assessed and approved before it becomes effective.

Your bank statements are the best source to confirm the payments made to HCP. You may also contact HCP, and we can confirm this information for you; however, the Health Care Providers Group Insurance Plan assumes no liability for any errors in the stated premium amount.

You are responsible for verifying amounts withdrawn from your account if required by government agencies for tax purposes.

Yes. As long as you are under the age of 65, working more than 18 hours per week, remain on the hospital payroll, and have EI and CPP deductions, you are eligible for the Signature or Supreme package.

A 12-month period that benefit coverage is offered for, beginning on the first of the month the employee joins the plan, NOT the calendar year.

Take the average of your last 6 months worked.

Percentage of an eligible claim that the insurance company pays on your behalf.

An endorsing hospital is one which actively supports the opportunity for its employees to participate in the HCP plan by directing or providing our material and contact information to all eligible employees.

a. Yourself

b. Spouse (married or common law)

c. Dependent children under age 21 or 25 if registered full-time in school

Single – 1 person

Couple – 2 people

Family – 3 or more people

No. Your in-lieu of benefits compensation is provided to assist you in purchasing the appropriate coverage to protect yourself.

Employees that apply during a 60-day open window receive higher guaranteed coverage and Life, LTD, and AD&D coverage guaranteed for eligible employees. You will not receive the same guaranteed coverage outside of an open window.

There are no lifetime maximums or deductibles on our extended health care or dental plans. Annual maximums are per benefit year unless otherwise stated and apply to each individual employee, spouse, and child.

Yes, you may apply outside of an open window; however, you will only be guaranteed coverage under the Essential or Essential Plus Extended Health Care plan.

If you are eligible for Core Life, Long Term Disability, and Accidental Death & Dismemberment coverage, approval will be subject to medical underwriting from first dollar.

Dental coverage may be added at any time.

The HCP plan is designed to complement provincial health coverage, and valid provincial health coverage is required to enroll in the plan. The plan is not intended to replace provincial coverage.

If your situation is unique (e.g., you’re a new resident, between provinces, or have another reason for lacking provincial coverage), call HCP to discuss your situation.

There may be an option to combine hours from two hospitals. I’d strongly recommend contacting HCP directly to discuss your specific situation and clarify.

No, you are not locked into a contract. You can terminate at any time. Terminations are effective the first of the month following the date we receive a termination form.

You must contact our office to discuss the termination and obtain a termination form.

Coverage generally starts the first of the month following receipt of the full enrollment and payment of the deposit and first month premium. To be covered for travel coverage, you must be in your province of residence on the date your coverage becomes effective.

If you buy a plan with drug coverage, yes, you can coordinate any out-of-pocket drug expenses like the ODB dispensing fee and $100 annual deductible.

There is no waiting period for any of the coverage under the extended health care plans. If you purchase a dental plan that includes Major Restorative coverage, you must wait 36 months before being eligible to submit claims under this category. LTD has a 112-day elimination period.

Yes. You can still apply even if you do not work at an endorsing hospital. To be eligible, you must be employed by a hospital in Canada.

No. As long as your policy remains active, your travel coverage does not terminate or increase at a specific age.

Your coverage will begin on the first day of the month following receipt of your enrollment, once the deposit and first month premium have been collected.

To cancel your plan, you’ll need to contact HCP directly.

Please contact the HCP office, and one of our representatives will provide you with the required forms. There are 3 forms that must be completed: one by your attending physician, one by your workplace, and one that you will complete yourself.

We are not privy to this information, as it is confidential between the plan member and CanAssistance. Please contact CanAssistance directly for further information regarding your claim.

HCP is not notified when a claim is denied by GreenShield Canada. For details or an explanation regarding your claim, please contact GreenShield Canada directly at 1-888-711-1119.

You should have received a brochure on how to sign up for the GreenShield+ portal, where you can electronically submit claims. If you cannot locate these instructions, please contact the HCP office.