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As a member of the McGill Benefit Program, you have an opportunity to select your preferred "class" of coverage:

For the most part, your selection will remain in effect unless you experience what is known as a Life Event — specifically:
In the following pages, you will find a summary of the impact these life events could have on your benefit coverage. It outlines the actions you need to take in response to these life events... and the consequences for not doing so.