Basic Life Insurance, Long Term Disability and Accidental Death, Disease & Dismemberment

Employee Life Insurance, Employee Accidental Death, Disease and Dismemberment

All group life insurance coverage ceases when you retire, leave the hospital, turn 65 years of age or transfer to Standard. This life insurance can be converted without medical evidence if done within 31 days of coverage termination.

Employee Long Term Disability Income

The benefit begins paying after your 112 day elimination period. The benefit pays all the way to age 65, as long as you remain disabled - as defined in the master policy. Definition of disability: 2 year own occupation from date of disability; thereafter any occupation. Payments from this plan are paid tax free. Primary CPP/QPP offset (i.e.: payments received from CPP/QPP will reduce monthly benefit from this plan). Pre-existing condition limitation follows the 90/90/12 condition - as defined in the master policy. This coverage ceases when you retire, leave the hospital, turn 65 years of age, or transfer to Standard.  Benefit adjustment means that your benefit will be adjusted so that your total disability income from all sources will not exceed 85% of your pre-disability net income.

Employees under the age of 35 purchasing $1,000 of excess LTD coverage

Employees under the age of 35 may apply to receive an additional $1,000 of long term disability at no extra cost if approved. Employees will be responsible for paying premiums for this benefit at age 35 and will be notified in advance of their 35th birthday.

Pre-existing Condition Limitation

Pre-existing condition means a sickness or injury for which you sought medical investigation, diagnosis, treatment, care, medication or medical advice, or for which there were symptoms which would have caused a person to seek medical investigation, diagnosis, care, treatment, medication or medical advice within the 90-day period immediately prior to becoming insured under the long term disability benefit.

No monthly benefits will be payable for any period of total disability which results directly or indirectly from a pre-existing condition, unless:

• You have not required treatment, medication or medical advice for the condition for a continuous period of at least 90 days immediately following the effective date of your long term disability coverage, or
• You have been insured under this long term disability plan for at least 12 months (from the date your insurance became effective) and you have not been absent from work during the 12 month period as a result of the pre-existing condition. Time away from work for up to 10 cumulative working days during the 12 month period will be interpreted as not being absent from work.
  

Upgrading Your Health Plan

Upgrading To Optimum

Any plan member can apply to upgrade to the Optimum health plan at any time. To be considered for the Optimum health plan, a plan member must submit a Statement of Health form (Form 2) and go through the medical underwriting process. Acceptance into the Optimum health plan is not guaranteed.

Upgrading From Complete to Complete Plus

The Complete and Complete Plus health plans are available during an open window. A plan member who wishes to enroll in the Complete health plan cannot upgrade to Complete Plus at a later date.

Upgrading From Essential to Essential Plus

Plan members in the Essential health plan can upgrade to Essential Plus at any time.

Adding, Removing or Modifying Dental Plans

Adding Dental Coverage

Plan members can add dental to their health plan at any time.

Removing Dental Coverage

A plan member that has chosen to cancel dental coverage and remain on the plan for Extended Health Care may have a one-time opportunity to re-enroll into the dental plan with the following restrictions:

• The maximum limit for dental coverage will be $250 for Basic and $375 for Enhanced for the first year following the effective date the dental coverage is reinstated.

• Premiums will be collected; however dental coverage will be suspended until the 4^th month.

• If the plan member chooses to pay premiums going back to the cancellation date he/she may do so and full dental coverage will be reinstated and no restriction will be applied.

Reapplying For Coverage Once Terminated

Complete or Complete Plus Health Plans

Complete and Complete Plus health plans are only available in a 60-day open window. Should a plan member terminate and wish to re-enroll, they will not be guaranteed complete or Complete Plus if they are outside of a 60-day open window.

Returning To Optimum After A Lapse In Coverage

Once terminated, as soon as there is a lapse in coverage, a plan member must reapply to the Optimum health plan and undergo medical underwriting. The Optimum health plan is not guaranteed.

Plan Renewal

HCP is a group benefits plan that renews on November 1st. Rates are subject to change on this date regardless of your plan effective date.