All calendar year or lifetime maximums are per person unless otherwise stated.
You must be a resident of Canada and be covered under the provincial health plan in your province of residence to apply for this retiree plan. If you apply for family coverage, your spouse and dependent children must also have provincial healthcare coverage.

For individuals or dependents to be eligible for any benefits under the Emergency Travel Benefit, they must be age 79 or less.

Travel coverage will terminate at age 80. Coverage must be in effect prior to departure. If individuals are out of the country when the plan goes into effect, the travel coverage will not go into effect until they return to their province of residence.

Extended healthcare coverage for a dependent who is hospitalized on the date they become eligible for coverage, other than a newborn child, will be delayed until the first day immediately following his/her discharge from the hospital. To qualify, you must be actively at work on the date of retirement. Persons on disability will not qualify.

Premiums are withdrawn from your bank account on the 10th of every month by pre-authorized debit starting on the month your plan becomes active. All invoices are generated on the 1st of every month. Your plan will stay active as long as premiums are paid.

You must complete a form for cancellation of coverage. This takes 30 days to cancel for processing once we receive. There are no additional fees.