Yes. You and your family members are guaranteed the Essential level of coverage for Extended Health Care regardless your health and the health of your dependents and regardless of hours worked, time of application or place of employment. Those applicants actively working for a participating organization and in a 60 Day Window, will be guaranteed the Complete level of coverage.
You may keep some, but not necessarily all. Your core benefits, for example, will terminate. However, provided that you and/or your spouse are under 65, your employee life insurance (and/or your spouse’s life insurance if applicable) can be converted into an individual policy with Co-operators Life. This conversion can be done without providing evidence of good health but the premiums may change. Conversions must be done within 31 days of the group coverage terminating. Your health and dental coverage will continue under your current plan option until such time that you attain age 65. Then you will be enrolled in the appropriate Plan 65+ level.
No. We have coverage that is both portable and flexible. Should you cease to be employed at a hospital, your health and dental coverage will continue under your current plan option until such time that you attain age 65. Then you will be enrolled in the appropriate Plan 65+ level. If your plan includes Life insurance you would have to make changes to that coverage. Provided that you and/or your spouse are under 65, your employee life insurance (and/or your spouse’s life insurance if applicable) could be converted to an individual policy with the Co-operators and so long as the application for conversation was made within 31 days of the group Life coverage terminating, the conversion can be completed without providing evidence of good health. (NOTE: monthly premiums are subject to change). If your plan includes LTD and ADD&D you would have to cancel those benefits.
You can confirm that you work in an endorsing hospital by using the search function at the top of the web page or by clicking here to view the list of endorsing hospitals. Or you may call our office at 1.866.768.1477 to speak to one of our representatives.
Definitely. Regardless of hours worked in a week, you are eligible to apply for Plan 2, which offers Extended Health Care and (optional) Dental coverage.
Absolutely! Your spousal group coverage does not insure your income! If you are working more than 18 hours per week on average in a hospital and have spousal coverage you are entitled to apply for our Plan 1A. This plan provides you with Long Term Disability coverage. It also includes Employee Life Insurance and Accidental Death, Disease and Dismemberment insurance. If you apply for this coverage in a 60-day window, and you later lose the benefits under your spouse’s plan for any reason, we guarantee to offer you and your dependents at that time, the Complete Level of our Extended Health Care benefits. This guarantee will be in place regardless of your health and without medical evidence. The only condition is that you must apply for our Extended Health Care benefits within 60 days of losing the benefits under your spouse’s plan.
If you are enrolled in our plan that includes the core benefits, your Life insurance and ADD&D coverage will terminate when you turn 65, and your Long Term Disability coverage will terminate 4 months prior to your 65th birthday.
At the end of the month in which you turn 65, the Health and Dental coverage under your current plan option will cease and you will automatically be enrolled in Plan 65+ with your then current dental coverage. If you had the Essential level of coverage then when you turn 65 your coverage will transfer to the 65+ Essential level. If you had the Complete or Optimum level of coverage, when you turn 65 your coverage will transfer to the 65+ Complete level. You may apply for the Optimum level at any time. However, this level of coverage is issued at the discretion of the insurer and is only available subject to full medical underwriting. The initial basis for the medical underwriting is the information provided in a completed Form 2 document.
The term ‘Core benefits’ refers to Life Insurance, Accidental Death Disease and Dismemberment Insurance and Long Term Disability Insurance.
In order to be considered actively at work, you must be a hospital employee that is scheduled to work.For example, You are not considered to be actively at work if you are on a disability or maternity leave.
This is your plan and is not administered by your employer. Therefore it is your responsibility to notify us of any change to your employment status. Depending on the status change you may no longer be eligible for the core benefits. Please note that changes in coverage will only be made the first of the month following the date our office is notified in writing. Changes in coverage will not be made retroactively.
The term “60 Day Window” refers to a one time opportunity to receive guaranteed coverage, at the Complete level, in the plan for which an individual is eligible. 60 Day Window opportunities arise from the first of the following occurrences:
*60 day windows apply only to those employed at an endorsing hospital. Other specific circumstances may apply.
It will not change "automatically" but you may be eligible to apply for the core benefits (Life, ADD&D & LTD). If you are a permanent part time or casual employee and are now working more than 18 hours per week on average, you need to contact our office to learn more about updating your coverage.