Eligibility Rules: who qualifies and when?

To be eligible, a plan member must:

• Be a RCC member or an employee of a RCC member
• Be "actively at work" when he or she becomes eligible for coverage;
• Be a resident of Canada; and
• Not have attained the age of 70 upon receiving application for insurance.

Coverage begins the first day of the month following the date of the approval. Premiums become payable on the first of the month coincident with or next following the effective date. For example, if the plan member's coverage is effective February 10, premiums for the new coverage start on March 1. If the plan member's coverage was effective February 1, then both the eligibility date and premium payments would begin on February 1.

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Eligibility Medical Evidence Requirements

Groups with fewer than 3 employee participants:

• All new members need to submit a medical questionnaire with their application and be medically approved by the insurer;

Groups with 3 or more employee participants:

• Only require Medical Evidence for amounts over the Guaranteed Issue limits, applying for Optional Life or any Late Applicants applying 31 days after their eligibility grace off period

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Additional Provisions

A plan member may cover only one spouse at a time:

• A legal spouse
• A common-law spouse: a common law spouse is eligible for coverage under this agreement when living together in a conjugal relationship with the plan member continuously for a period of not less than one year

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Eligibility of Dependent Children

• Dependent children are eligible for coverage as defined in master policy up to their 21^st birthday provided they are not married (or living in a common law relationship) and they are financially dependent on the plan member or the plan member's spouse, or
• Up to 25^th birthday if enrolled and in full-time attendance at an accredited college or university (up to 26^th birthday in Quebec)
• Children over 21 years of age, if they are considered dependent upon the covered plan member by reason of a mental or physical disability (Note: If a dependent child becomes mentally or physical disabled at a later date, please contact Morneau Shepell for more information).
• Dependent children are automatically terminated upon reaching the age restrictions outlined in the benefit summary pages of the provision.

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Over-Age Dependent Children – Student

• Over-age dependent children are eligible for benefits provided he or she is attending a recognized school, college or university on a full-time basis.
  • Full-time attendance means more than ten hours of classroom instruction per week.

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Survivor Benefits

The plan allows for the Spouse and Dependents already covered for Extended Health and/or Dental to maintain the protection after the death of the plan member. This coverage will be continued without payment of premium but terminates on the earliest of the following circumstances:

• Upon the termination of the Master Policy; or
• Upon the completion of 24 months from the date of the plan member's death; or
• Upon ceasing to be an eligible Dependent for any reason other than there not being an eligible insured member or insured employee living.

Note: Request for Survivorship should be indicated at the time the death claim is submitted to Morneau Shepell at csc@morneaushepell.com.