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Associate Basic Life Insurance

  • To have coverage, you must be covered under healthcare coverage either through yourself or your spouse
  • Based on 100% of annual earnings to a maximum of $100,000.
  • Insurance amount reduces by 50% at age 65, terminates when you reach age 70
  • If any or all of your insurance terminates on or before your 65th birthday, you may be eligible to apply for an individual conversion policy without providing proof of your insurability. You must apply and pay the first premium no later than 31 days after your group insurance terminates. Contact your Human Resources office for additional information.

Dependent Basic Life Insurance

Dependents that are covered under healthcare whether through you or your spouse is eligible for basic life insurance in the amounts of:
  • Your dependent basic life insurance terminates when you reach age 70 or when you no longer have eligible dependents, whichever comes first
  • Spouse - $5,000
  • Child - $2,000 (per each child covered)
Dependent child means:
  • Your unmarried children under age 22, or under age 25 if they are a full-time student
  • Children under 15 days are not covered for dependent basic life insurance
  • Children under age 22 are not covered if they are working more than 30 hours a week, unless they are a full-time student
  • Children who are incapable of supporting themselves because of physical or mental disorder are covered without age limit if the disorder begins before they turn 22, or while they are students under 25, and the disorder has been continuous since that time

Canadian Healthcare benefits

Covered expenses will not exceed customary charges (see the Group Plan Booklet for full details)
  • Deductible
    • $100 each calendar year
  • Eye Examination
    • 1 every 24 months
    • Glasses, contact lenses and laser eye surgery - $300 every 24 months
  • Global Medical Assistance and Out –of country Emergency Care Expenses - paid 100%
  • In-Canada diagnostic x-ray and lab text expenses - 80% until $200 in benefits has been paid in a calendar year and 50% for the remainder of the calendar year.
  • All other expenses  - 80%
  • Except to the extent otherwise required by law, your healthcare coverage terminates when you reach age 70

Canadian Dental benefits

Covered expenses will not exceed customary charges (see the Group Plan Booklet).
Deductible (does not apply to Accidental Dental Injury expenses)
  • $100 each calendar year
  • Basic Coverage – 80%
  • Major Coverage – 50%
  • Orthodontic Coverage – 50% ($1,500 lifetime)
  • Accidental Dental Injury coverage – 80%

Canadian Associate Critical Illness Insurance

If you are diagnosed with one of the illnesses defined in your Group Benefit Plan booklet, Great-West Life will pay you the critical illness insurance benefit. The benefit is payable after a waiting period of 30 days following the date of diagnosis or at the end of the waiting period, if any, whichever is longer.
  • Only one critical illness benefit is payable in your lifetime.
  • Once a benefit has been paid, no further critical illness insurance is available.
  • Your critical illness insurance terminates when you reach age 65.
  • Claims should be submitted as soon as possible, but no later than 3 months after the end of the benefit payment waiting period or 3 months after the plan terminates, whichever is earlier.

Optional Term Life Insurance

Guaranteed Issue Amounts
 
New Hires
Associate – up to $200,000
Spouse – up to $50,000
Child (ren) - $10,000 per child
  1. Dependent child (ren) must also meet Minnesota Life Insurance requirements which are:
    • Eligible from live birth, up to the age 26 or if disabled (verify plan requirements).
If, as a new hire, you may elect above the guaranteed issue amounts up to $500,000 on yourself and your spouse, any amount elected over the guaranteed issue amounts on yourself and/or your spouse will be subject to approval through the Insurance Carrier with Medical Evidence of Insurability being required. You may be required to submit to a paramedical exam and/or submit a physician’s statement of health.
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Resources

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