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If you divorce, separate, or if your spouse dies

Supplemental Health (including Out-of-country Emergency Medical)

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 Care

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.

Basic Life Insurance / Optional 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 card.

To register a change, or for information regarding your current life insurance beneficiary designation please contact the Human Resources Service Centre at (514) 398-4747 or by email at hrhr [at] mcgill [dot] ca as soon as possible following a life event.