Who Qualifies for Coverage?

Eligibility

You are eligible for group benefits if you:

• are an employee of an employer covered by a collective agreement with CLAC or one of its affiliated locals;
• have the required amount of premium on deposit with the CLAC Health Fund;
• are younger than the termination age;
• are eligible to be covered by a provincial plan (all non-emergency medical treatment must be provided in Canada); and
• have completed the applicable waiting period.

The termination age may vary for different types of insurance benefits. For this information, please refer to your benefit booklet.

Your dependents are eligible for insurance on the date you become eligible or the date you first acquire a dependent, whichever is first. You must apply for insurance for yourself in order for your dependents to be eligible.

Waiting Period

Hour bank plan members: coverage shall be effective on the first day of the month following the date on which the member has achieved the minimum credited hours required for coverage (generally 350 hours).

Non-hour bank plan members: as specified in the collective agreement.

Effective Date of Coverage

Entitlement to benefits will be effective on the date you are eligible. You must be actively at work for insurance to become effective. If you are not actively at work on the date your insurance would normally become effective, your insurance will take effect on the next day on which you are again actively at work. Your dependent’s insurance becomes effective on the date the dependent becomes eligible.

Termination of Insurance

Your group insurance will terminate on the earliest date when:

• you cease to be an eligible plan member,
• any required contribution or payment is due but not paid,
• the group policy terminates, or
• you reach the termination age.

Your dependent’s insurance terminates on the date your insurance terminates or the date the dependent ceases to be an eligible dependent, whichever is earlier.

To view your group benefit plan, please click here.