Quick Links

Life events

For the most part, your health and dental coverage will remain unchanged unless you experience what is known as a Life Event: marriage, divorce, death of a spouse. These life events could have an impact on your benefit coverage. They can also have an impact on your life insurance beneficiary designation. There are actions you need to take  in response to these life events.

To request a change to your benefits coverage, dependents information or life insurance beneficiary designation, contact the HR Service Centre at 514 398-4747 or hrhr@mcgill. 


Marriage, common law, civil union


Supplemental Health

If you have continued health coverage post-retirement, 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 added effective January 1st of the following year.  However, If your spouse has no other health coverage, he/she will be added immediately. 

If you are under 65, 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).

Note that unless you are under age 65, and have no other health coverage, you will not be able to rejoin the plan at a later date.

Dental Care

If you have continued dental coverage post retirement, 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 eligible for coverage under the McGill Dental Plan effective January 1st of the following year. 

Basic & Optional Life Insurance

We recommend that you review the amount of Optional Life Insurance you require, and review your life insurance beneficiaries. 

For information about your post-retirement benefits, or to request a change to your coverage, dependents information or life insurance beneficiary designation, please contact the HR Service Centre at (514) 398-4747 or hrhr [at] mcgill [dot] ca


Divorce/separation/death of a spouse


Supplemental Health

If you continued health coverage post-retirement, you may switch from family to single coverage, provided there are no eligible children covered under the plan.

If you are under 65, you must (re)join the McGill Supplemental Health Plan if you were previously covered under your spouse's group benefit program.

Quebec legislation requires that you, your spouse and children must be covered under a group health insurance plan providing at least drug coverage if you are under age 65 and are eligible for coverage under that plan.

Dental Care

If you continued dental coverage post-retirement, 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 & Optional Life Insurance

We recommend that you review the amount of Optional Life Insurance you require, and review your life insurance beneficiaries. 

For information about your post-retirement benefits, or to request a change to your coverage, dependents information or life insurance beneficiary designation, please contact the HR Service Centre at (514) 388-4747 or hrhr [at] mcgill [dot] ca


Death


Life Insurance

Your life insurance is payable upon your death to your designated beneficiary.  In order to file a claim, the executor of your estate or the named beneficiary must contact Human Resources at (514) 398-4747 as soon as possible to notify them of  the death. 

A representative will contact the executor or named beneficiary in writing to advise the documents necessary to process settlement of the life insurance claim.  Generally the following documents will be required:

  • Original or certified copy of proof of death
  • Last will and testament of the deceased (if the beneficiary is the Estate)
  • Completed and signed claim form for the insurance carrier (this form will be sent to the executor or named beneficiary by Human Resources)

Continuation of Benefits - for your dependents

If you had family health and/or dental coverage, your spouse and  dependent children can choose to continue this coverage indefinitely (as long as they remain eligible), provided they pay the their share of the benefit cost.

A representative will write to the executor of your Estate, or your named beneficiary to advise of the benefits that can be continued and their cost.