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Defining your "family"


For purposes of your benefits plan, your "spouse" is:

  • a person of either sex with whom you have been living in a conjugal relationship for one year. The one-year cohabitation requirement does not apply when you and your spouse have a child together.
  • as defined under the applicable legislation.

Only one person at a time can be covered as your spouse under the terms of the program.


The term "child" includes:

  • a child related to you by blood or marriage
  • your spouse's child if living with you
  • a child for whom you are the legal guardian
  • a child you have adopted
  • during the period of probation that precedes adoption, the child you are adopting.

Any child described above must be unmarried, less than 21 years of age and wholly dependent on you for support. You must also have custody and control of that child.

Your unmarried child under 26 years of age is also eligible, if he or she is wholly dependent on you for support and is a full-time student attending (or on vacation from) an educational institution.

A child who is mentally or physically disabled and wholly dependent on your support is also eligible beyond age 21:  Proof of the disability must be submitted within 31 days after the child reaches age 21. The form Application for Health/Dental Coverage for Overage Disabled Dependant Child must be completed in part by Human Resources (HR Service Centre) and then by your child's treating physician.  Submit the form direcly to Manulife Financial for review.  Manulife will send you written confirmation of the results of their review.

NOTE: Under the Quebec Act respecting prescription drug insurance, you and your eligible family members under age 65 must join the McGill Supplemental Health Plan if drug coverage not provided under another group insurance plan.