Yes. You and your family members are guaranteed the Essential or Essential Plus health plan regardless of pre-existing health conditions and the health of your dependents. The Essential and Essential Plus health plans are available to all eligible enrollees regardless of hours worked, employment status, time of enrollment or hospital of employment. Enrollees who actively working for a Canadian endorsing hospital and are in a 60-day open window will be guaranteed the Complete or Complete Plus health plan.

Always contact our office to let us know if there are any changes to your employment status, hours worked, or family composition.

a. If you leave the hospital and continue to work in another hospital without access to benefits, you may be able to keep all your coverage provided you still meet the eligibility requirements.

b. If you leave the hospital and work in a different industry, you can keep your health and dental coverage, but if you have Life, LTD, and AD&D, it will need to be terminated.

c. You may even be able to keep your coverage if you move to another province. Please contact our office to discuss.

You can confirm that you work in an endorsing hospital by viewing the list of endorsing hospitals. Or you may call our office at 1.866.768.1477 to speak to one of our Customer Service Associates.

Definitely. Regardless of hours worked in a week, you are eligible to apply for our Standard Package, which offers a variety of health and dental plan options.

Even if you’re covered under your spouse’s plan, there are still good reasons to consider HCP:

Coordinate Benefits

With dual coverage, HCP can cover what your spouse’s plan doesn’t, potentially resulting in near 100% reimbursement on eligible expenses.

LTD Coverage

Your spouse’s plan will not cover your income if you become disabled. HCP’s LTD is income replacement should you be unable to work due to sickness or an accident.

If you are enrolled in our plan that includes these benefits, your life insurance and ADD&D will terminate when you turn 65. Long term disability coverage will terminate 4 months prior to your 65th birthday.

a. Life, LTD and AD&D terminate at age 65 or retirement

b. Health and dental coverage have no termination age

You may continue your health and dental coverage after retirement. However, if you have Basic Life, Accidental Death & Dismemberment (AD&D), or Long-Term Disability (LTD) coverage, you will no longer be eligible for those benefits and must contact the HCP office to make the necessary changes.

a. Health and dental coverage may be continued for life, provided that monthly premiums are paid and kept up to date.

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 basic life, long term disability and accidental death, disease and dismemberment 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.

Long-Term Disability (LTD) is a type of insurance that replaces a portion of your income if you’re unable to work for an extended period due to illness, injury, or disability. It typically kicks in when your EI ends.

Why you should have it:

Income protection: Your biggest asset is your ability to earn. LTD ensures you can still pay for essentials (rent, mortgage, food) if you can’t work.

Prevents financial stress: Without income, savings can disappear quickly. LTD provides stability during recovery.

Who Is Eligible to Apply: If you are working more than 18  hours per week, under age 65, permanent* part time position or casual employment status 

*Permanent - a position with no end date

Our Special Offer for those under age 35

Employees under age 35 who are working more than 18 hours per week  are eligible to apply for up to an additional $1000 of long term disability coverage at no cost.

This additional coverage is subject to medical underwriting and is over and above the $1000 of LTD coverage already included with Signature and Supreme.

If you have any questions, please contact our office at 1-866-768-1477 or email info@healthcareproviders.ca—we’re happy to help.