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Life events can mean changes to your benefits coverage

Turning 65

Health Plan

At age 65, the Health Plan no longer provides basic drug coverage.  As a Québec resident,  the Régie de l'assurance-maladie du Québec (RAMQ) will automatically enroll you in their public drug plan at age 65. 

  • You will also need to register your dependents under the RAMQ drug plan if they do not have access to a private drug plan elsewhere (even if they are less than age 65). If your spouse is under age 65 and has access to a private plan through his/her employer, they will need to contact their employer about their drug coverage. You may want to explore the possibility of being covered as a dependent under your spouse's plan - at least until they reach age 65.
  • You will need to advise your pharmacist you are covered under the RAMQ drug plan.
  • You and your dependents will no longer be able to purchase medication with your Manulife benefit card.

Dental Plan

Coverage will not change at age 65.

 

Retirement

Coverage under the GFTH special health and dental program ceases if you no longer have an eligible GFTH appointment.  As a result, benefits do not continue post-retirement.

 

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

The child no longer qualifies for coverage under the Supplemental Health Plan and/or Dental Plan.
If this is your last eligible family member, you need to switch from family to single coverage.

 

If you recently married (including common-law or civil union)

Health plan

Within 60 days of the event, you may switch from single to family coverage. 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 already have family coverage, your spouse will be added at no extra cost.

Dental Plan

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.

If you already have family coverage, your spouse will be added at no additional cost.

Making changes: To register a change, please contact the Human Resources Service Centre at (514) 398-4747 or hrhr [at] mcgill [dot] ca as soon as possible following a life event.

Life Insuarnce

If you are enrolled in Manulife's Personal Life Benefits plan, contact Manulife directly at 1-800-268-6195 or visit their website.

 

If you divorce, separate, or if your spouse dies

Health Plan

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 Plan

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.

Making changes: To register a change, please contact the Human Resources Service Centre at (514) 398-4747 or hrhr [at] mcgill [dot] ca as soon as possible following a life event.

Life Insurance

If you are enrolled in Manulife's Personal Life Benefits plan, contact Manulife directly at 1-800-268-6195 or visit their website.  

 

If you have or adopt a child

Health Plan

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

If you already have family coverage under the McGill Supplemental Health Plan, the child will be added at no additional cost.

Dental Plan

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.

If you already have family coverage, the child will be added at no additional cost.

Life Insurance

If you are enrolled in Manulife's Personal Life Benefits plan, contact Manulife directly at 1-800-268-6195 or visit their website. 

 

If your spouse loses coverage under his or her benefit plan

Health Plan

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 special GFTH McGill health plan: You may switch from single to family coverage, provided you furnish proof that your spouse no longer has coverage.

Dental Plan

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 special GFTH McGill dental 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.