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Life events: changing your benefit coverage

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

  • Single coverage for you alone, or
  • Family coverage for you and your eligible spouse and children.

For the most part, your selection will remain in effect unless you experience what is known as a Life Event.  To request a change to your benefits coverage contact the HR Service Centre at 514 398-4747 or hrhr [at] mcgill [dot] ca (hrhr@mcgill.) as soon as possible following the event. Certain conditions may apply.  Please consult the life event that pertains to your situation.


 

When you get married (including common law or civil union)

Supplemental health
You may switch from single to family coverage within 60 days of the event.  However, if your spouse has no other health coverage, he/she will be added immediately.

You may opt out of the McGill Supplemental health Plan provided you can confirm, in writing, that you have coverage available through another group health plan, such as your spouse's plan.
Dental
You may switch from single to family coverage within 60 days of the event. If you miss the 60-day window, your spouse will be registered for coverage under the Dental Plan, effective January 1st of the following year.
Life Insurance

Your coverage will remain unchanged.

Note: We recommend that you review your beneficiaries and the amount of Optional Life Insurance you require. Please note that an update to your life insurance beneficiary will not automatically result in an update to your pension beneficiary.

 


If you divorce, separate or your spouse dies

Supplemental health

You may switch from family to single coverage, provided there are no eligible children covered under the plan.

You must (re)join the McGill Supplemental health Plan if you were previously covered under your spouse's group benefit program.

Dental

You may switch from family to single coverage, provided there are no eligible children covered under the plan.

If you were previously covered under your spouse's group benefit program, you may (re)join the McGill Dental Plan within 60 days of the event. If you miss the 60-day window, you will be registered for coverage effective January 1st of the following year.

Life Insurance

Coverage: Your coverage will remain unchanged.

Beneficiaries: We recommend that you review your beneficiaries and the amount of Optional Life Insurance you require.

If you had designated your spouse as beneficiary: Divorce or nullity of marriage or the dissolution or nullity of a civil union causes any designation of the spouse as beneficiary or subrogated policyholder to lapse. Therefore, you will need to change your beneficiary designation.


Making Changes

Revocable vs Irrevocable beneficiary designation

Revocable: You can change a revocable beneficiary designation at any time. No supporting documentation is required.

Irrevocable: An irrevocable beneficiary designation can only be changed following a divorce, the death of the designated beneficiary, or if the designated beneficiary signs a waiver relinquishing their rights. Supporting documentation is required eg. copy of divorce decree/judgement, death certificate, signed waiver.

Making a change:  Use the Life Insurance Change of Beneficiary form. Attach all necessary supporting documentation and send to the Human Resources Service Centre.


If you have or adopt a child

Supplemental health

You must switch from single to family coverage, unless your child is covered under your spouse's group health plan.

If your child is covered under your spouse's group health plan: he/she may be added to your plan upon loss of coverage under your spouse's group health plan.  Written proof of this loss of coverage will be required.

Dental

You may switch from single to family coverage within:

  • 60 days of the event,
    or
  • 60 days immediately following the child's third birthday.

If you miss the 60-day window, your child will be registered for coverage under the McGill Dental Plan, effective January 1st of the following year.

Life Insurance

Your coverage will remain unchanged.

Note: We recommend that you review your beneficiaries and the amount of Optional Life Insurance you require.


If your child marries, assumes full-time emplyoment or turns 21 (26 if a full-time student)

Supplemental health

The child no longer qualifies for coverage under the McGill Supplemental health Plan.

If this is your last eligible family member, you need to switch from family to single coverage.

Dental

The child no longer qualifies for coverage under the McGill Dental Plan.

If this is your last eligible family member, you need to switch from family to single coverage.


If your spouse loses their coverage under their own benefit plan

Supplemental health

If you were covered under your spouse's plan: You must join the McGill Supplemental health Plan and furnish proof that your spouse no longer has coverage.

If you are covered under the McGill planYou may switch from single to family coverage, provided you furnish proof that your spouse no longer has coverage.

Dental

If you were covered under your spouse's plan: You may join the McGill Dental Plan within 60 days of the event provided you furnish proof that your spouse no longer has coverage. If you miss the 60-day window, you will be registered for coverage effective January 1st of the following year.

If you are covered under the McGill plan: You may switch from single to family coverage within 60 days of the event, provided you furnish proof that your spouse no longer has coverage. If you miss the 60-day window, you will be registered for coverage effective January 1st of the following year.


When you turn 65

 

Drug Coverage

Basic drug coverage under the McGill Supplemental Health Plan ends at age 65. 

As a Quebec resident, you will be automatically registered for the Public Prescription Drug Insurance Plan administered by the Régie de l’assurance-maladie de Québec (RAMQ).  Please make sure you advise your pharmacist of this change in drug coverage.  If you have dependents covered under your health plan, contact the RAMQ to ensure they are also registered for coverage under the Public Prescription Drug Insurance Plan, even if they are under age 65.  If your dependents have access to private drug coverage elsewhere, they will need to inquire about registering for such coverage. 

For information about the Quebec Public Prescription Drug Insurance Plan, visit the RAMQ website at: http://www.ramq.gouv.qc.ca/en/citizens/prescription-drug-insurance/Pages/prescription-drug-insurance.aspx. or contact the RAMQ by phone at (514) 864-3411.

If you are not a resident of Quebec, you will need to register for drug coverage under the drug plan provided by your province of residence.  Please consult your province's provincial health care plan for further information.

 IMPORTANT:  Deductibles and portions not reimbursed under a provincial drug plan are not eligible for reimbursement under the McGill Supplemental health Plan.

Supplemental health and Dental

Supplemental Health

Whether you are a resident of Quebec or another Canadian province, you may continue your coverage under the McGill Supplemental health Plan for eligible expenses other than basic drug coverage.  These other eligible expenses include hospitalization in a semi-private room, the services of various licensed health practitioners, medical services and supplies, emergency medical travel insurance, and may include eligible prescription drugs not covered by a provincial drug plan.  *Note that the Supplemental health Plan does not cover any coinsurance or deductible not paid by under the government drug plan.

Dental Plan

Coverage continues unchanged.

Life Insurance

Basic : 

  • Coverage reduces to: ½ x salary to a maximum of $50,000 while still actively at work, to a maximum of $30,000 at retirement.
  • McGill pays 100% of the cost of this coverage.

Optional : 

  • Option to maintain insurance bought before age 65 to a maximum of $100,000.
  • You pay for the amount you elect. Refer to the Rate Summary sheet for cost of coverage.
Disability Plans

Short-Term Disability (STD)

While you are actively at work, your coverage will remain unchanged.

Long-Term Disability (LTD)

Coverage ends.  Premiums are no longer charged as of age 64.5.


When you retire: post-retirement benefits & eligibility

McGill provides post-retirement benefits for Supplemental health, Dental and Life Insurance, all of which may be amended from time to time after the employee’s retirement. At retirement, you will be given the option to continue your pre-retirement coverage. It is important to note that this is a one-time opportunity. If you choose not to continue coverage, you will not be able to join the plans at a later date.

This does not apply to employees covered under the GFTH Special health and Dental Program.  Under the GFTH Special health and Dental Program, coverage automatically ceases when the employee no longer has an eligible GFTH appointment. As a result, there is no continuation of benefits at retirement.

The HR Service Centre must be notified of your upcoming retirement.

If you are eligible for post retirement benefits, the HR Service Centre will send you correspondence explaining the changes to your coverage at retirement.  This will include a Continuation of Benefits form.  You will be asked to complete this form, indicating whether or not you wish to continue your benefits post retirement.

IMPORTANT!!!

The continuation of benefits post retirement is a one time choice.  If you choose not to continue the benefits coverage you had prior to retirement, you will not be able to join at a later date. 

However, if you continued single coverage post-retirement, you will be able to increase to family coverage at a later date. Some restrictions may apply. Contact the HR Service Centre at 514-398-4747 or hrhr [at] mcgill [dot] ca for more details.

 


 

Eligibility for post retirement benefits

New employees, and current employees with birthdates after December 31, 1955, will be required to meet all of the following criteria to be eligible for post ­retirement benefits: 

  • Minimum age of 55
  • Minimum of 10 years of continuous service
  • Minimum 10 consecutive years participation in the benefit plans.

Staff hired prior to January 1, 2010 and who have a birthdate of December 31, 1955 or before, will not be subject to these eligibility criteria.


NOT ELIGIBLE FOR POST-RETIREMENT BENEFITS?

If you are under 65 and do not meet the eligibility criteria for post-retirement benefits, you may convert your life insurance policy (combined maximum $200,000) into an individual policy.  You must apply for coverage directly with the insurance carrier and pay the required premium within 31 days of your departure.  If you die during this 31-day period, your beneficiary will receive the full value of your coverage, regardless of whether you apply for the conversion or not.

 

The application form is available from the HR Service Centre or can be printed here: life_insurance_conversion_form.pdf   IMPORTANT!  The "Policyholder" section of the form must be completed by the HR Service Centre before it can be sent to the insurance carrier.

INFORMATION ABOUT BENEFITS COVERAGE AT RETIREMENT
Supplemental health

You may elect to continue the coverage you had prior to retirement.  Your eligible dependents will also continue to be covered.

COST OF COVERAGE

If you retire on May 31, 2016 or earlier: The cost of coverage continues to be shared 50-50 between you and the University.

If you retire after May 31, 2016: If you meet the eligibility requirements for post-retirement benefits, cost sharing for the Supplemental health Plan will be set at 30% for the University and 70% for the retiree.

RESIDENCY REQUIREMENTS

You (and your eligible dependents) must be a resident of Canada, with provincial health care, in order to continue coverage under the McGill Supplemental health Plan.

If you move to another province within Canada:  your health coverage will continue.

If you move permanently outside of Canada: your coverage under the McGill Supplemental health Plan will end as you are no longer eligible for provincial health care.

IF YOU ARE UNDER AGE 65:

If you continue to reside in Quebec:  you are obliged to remain covered under the McGill Supplemental health Plan, unless you have alternative private health insurance and provide proof (confirmation_alternative_health_coverage.pdf ) of this alternate coverage. For further details, please refer to:

If you reside in another Canadian province:  you must adhere to that province's provincial health care plan.

IF YOU ARE AGE 65 AND OVER:

Drug coverage ends at age 65. You must select a separate drug plan that is independent of your McGill Supplemental health Plan. Your Supplemental health Plan may continue for other benefits. Please see the Life Events section When you turn age 65 for further details.

Emergency Travel Assistance: See Emergency travel assistance/Retirees for information on travel insurance coverage for retired employees. 

Dental

Employees hired prior to January 1, 2010: You may elect to continue the coverage you had prior to retirement. Your eligible dependents will also be covered.

Employees hired as of January 1, 2010: Dental coverage will not be part of the post-retirement package. Therefore, employees hired as of January 1, 2010 will not be entitled to continue their dental coverage post-retirement.

COST OF COVERAGE

If you retire on May 31, 2016 or earlier: The cost of coverage is shared 50-50 between you and the University.  

If you were hired before January 1, 2010 AND retire after May 31, 2016:  If you meet the eligibility requirements for post retirement benefits (see above), you will be responsible for 100% of the cost of the coverage.

RESIDENCY REQUIREMENTS

There are no residency requirements - whether you move to another province within Canada or whether you move outside of Canada. However, dental expenses will be reimbursed according to the Quebec Fee Guide for General Practitioners. 

Coverage at age 65:

There are no changes to coverage at age 65.

 

Disability Plans

Short term disability ends at retirement.

Long term disability: Benefit contributions are no longer charged 6 months prior to retirement (or as of age 64.5 whichever comes first). The HR Service Centre must be advised of the upcoming retirement in order to cancel LTD benefit contributions prior to retirement.

Life Insurance - continuation of coverage

At retirement, several changes occur to life insurance coverage: 


NEW PLAN :


Basic:

  • Pre-retirement coverage reduces to ½ x salary to a maximum of $50,000 until age 65, $30,000 thereafter
  • McGill pays 100% of this coverage.

Optional:

  • Option to maintain insurance bought before retirement to $100,000.

  • You pay for the amount you elect.

  • Refer to the Rate Summary for information on the cost of this coverage. 

OLD PLAN:

If you are insured under the Old Life Insurance Plan, your coverage will be equivalent to 1x your pre-retirement salary.  The allowable maximum is $100,000.   The cost of this coverage is shared 50-50 between you and the University.   Contact the Human Resources Service Centre if you have any questions: 514-398-4747 or hrhr [at] mcgill [dot] ca


In the event of your death

Supplemental health and Dental

Continuation of benefits - spouse & dependent children

If you die before retirement

If you were under age 65 and you had family health and/or dental coverage, your spouse and eligible dependent children can choose to continue this coverage coverage under the plan for up to three (3) months, provided they pay both their share and the University's share of the benefit cost.

If you were 65 and over, and you had family health and/or dental coverage, your spouse (and eligible dependent children) can choose to continue this coverage under the plan indefinitely (until their death), provided they pay their share of the benefit cost.   If your spouse chooses to continue coverage, they will be registered with benefits under their own McGill ID number.  Once notified of your death, a Human Resources representative will contact them with all the necessary details.

If you die after retirement

Regardless of your age:  if you had family health and/or dental coverage, your spouse (and eligible dependent children) can choose to continue this coverage under the plan indefinitely (until their death), provided they pay their share of the benefit cost. If your spouse chooses to continue coverage, they will be registered with benefits under their own McGill ID number.  Once notified of your death, a Human Resources representative will contact them with all the necessary details.

Claiming outstanding health and/or dental expenses

health and/or dental expenses incurred prior to your death must be submitted to the insurance carrier within 90 days after your death.

Plan member certificate number:  Your McGill ID number needs to be indicated in this section of the form.

Signing the claim form: Your spouse can sign the claim form - or - the executor of the Estate.

For information please contact the Human Resources Service Centre at 514-398-4747 or hrhr@mcgill

Life Insurance

The life insurance benefit will be paid out to the beneficiary(ies) you have designated. You can confirm your beneficiaries on MINERVA using your PIN and McGill ID number. Go to Employee Menu, Benefits Menu and Your Benefits.

 


Opting out/Opting in - health and Dental Plans

Supplemental health

Opting out

Before opting out of the Supplemental health Plan, please consult the 'When you retire section' of this website for rules regarding eligibility for post retirement benefits.

Participation in the Supplemental health Plan is mandatory. Quebec legislation requires that you, your spouse and children must be covered under a private group health insurance plan providing at least drug coverage if you are under age 65 and are eligible for coverage under that plan.  In fact, the Régie de l'assurance maladie de Québec requires employers to register eligible employees in their health plan and charge the necessary premiums.

You can however opt out of the Supplemental health Plan if you provide written proof of alternative health coverage (eg. through your spouse, through membership in professional order or association).  Proof can be a letter from your spouse's employer or insurance carrier, written confirmation from a professional order or association, a photocopy of your spouse's insurance card detailing the type of coverage and effective date of coverage.   
 

If you wish to opt out of the Supplemental health Plan: Complete the form Opting Out - Supplemental health Plan and return it to the HR Service Centre. Please include necessary documentation as requested.

Opting In

You may join the Supplemental health Plan at a later date if you lose coverage under another health plan (eg. spouse's plan) and provide written proof of loss of this coverage.  In fact, Quebec legislation requires that all employees under 65 be covered under the private group health insurance plan to which they have access.  Therefore, if you have lost coverage under another health plan, you must join the McGill Supplemental health Plan. 

Dental

Opting Out

Before opting out of the Dental Plan, consult the 'When you retire' section of this website for rules regarding eligibility for post retirement benefits.

Participation in the Dental Plan is optional.  However, once you join the Plan, you are expected to remain in the plan for as long as you are employed at the University.  That being said, you are permitted to opt out of the Dental Plan under the following circumstances:

You provide the University (HR Service Centre) with written evidence that you are covered under another group dental plan (eg. your spouse's plan). Proof can be a letter from your spouse's employer or insurance carrier, written confirmation from a professional order or association, a photocopy of your spouse's insurance card detailing the type of coverage and effective date of coverage.  (Note: You will not be able to rejoin the plan unless you  lose this alternative coverage and provide written proof of loss.)  OR

You complete three (3) consecutive years of membership in the Dental Plan (you will not be permitted to rejoin the Plan within the same period of employment with the University)  OR

You retire

If you wish to opt out of the McGill Dental Plan:  Complete the form Opting Out - Dental Plan and return it to the HR Service Centre. Please include necessary documentation as requested.

Opting In 

If you refuse to join the Dental Plan at enrolment, you will be re-offered the opportunity to join in 3 years time.

If you never had dental coverage under the McGill Dental Plan, you may join the Dental Plan before the 3 years is up if you lose dental coverage elsewhere (eg. under spouse's plan).  In this case, you can join the Dental Plan within 60 days of losing coverage under another dental plan (eg. spouse's plan) and provide written proof of loss of this coverage. If you miss the 60 day window, you can still join the Dental Plan; however, coverage will be in effect as of January 1st of the following year.


Health and Dental Plans - changing from family to single coverage

 

You may change from family to single coverage if you no longer have eligible dependents or such eligible dependents have become covered under another health or dental plan - and you provide written evidence of such. 


Taking leave

 

Your coverage under the McGill Benefits Program can continue during certain leaves, as outlined here:

Short-term disability

Coverage for all benefits continues while you are receiving Short-Term Disability benefits. You will continue to pay your share of Supplemental health, Dental, Long-Term Disability, Optional Life Insurance (if applicable) costs, as well as the Pension Plan.

Long-term disability

Coverage for all benefits continues while you are eligible to receive Long-Term Disability benefits under the McGill LTD Plan. You will continue to pay your share of Supplemental health and Dental costs. Coverage under the Life Insurance and Accident Insurance Plans as well as the Pension Plan will continue at no cost to you during a Long-Term Disability leave. 

In the case of an active member whose employment terminates while they are in receipt of LTD payments, the continuation of the Pension Plan, health Plan and Dental Plan shall not extend beyond the employment end date

Maternity leave
Coverage for all benefits continues while you are absent on an approved maternity leave, provided you continue to pay your share of the plan costs. You will not, however, receive any benefit payments through the Long Term Disability Plan while you qualify for employment insurance maternity benefits.
Unpaid leaves of absence
You may choose to continue or suspend benefits while you are absent on an approved unpaid leave of absence.  You will be responsible for your share and the University's share of the cost of the benefits you choose to continue. plan costs.

If you leave the University prior to retirement (Life insurance and Health & dental claims)

 

Life Insurance

If you leave McGill before retirement and are under age 65, you may convert your coverage (to a combined maximum of $200,000) to an individual policy. You must apply for coverage directly with the insurance carrier and pay the required premium within 31 days of your departure.  If you die during this 31-day period, your beneficiary will receive the full value of your coverage, regardless of whether you apply for the conversion or not.

The application form is available from the HR Service Centre or can be printed here: life_insurance_conversion_form.   IMPORTANT!  The "Policyholder" section of the form must be completed by the HR Service Centre before it can be sent to the insurance carrier.

Health and Dental claims

You have 90 days from the day you terminate employment to submit any outstanding claims for charges incurred prior to your termination date.