Applying For Coverage

WHAT YOU NEED TO KNOW BEFORE APPLYING FOR COVERAGE...

The following benefits are available to members of Retail Council of Canada (RCC) and their employees. Applicants must be under age 70, reside in Canada, and be covered by their provincial health care plan.

Important...

Health & Dental coverage is available on a Single or Family basis.

Your spouse and dependent children are also eligible.
A spouse is a person who is married to or cohabits with you and who is publicly presented as your spouse, resides in Canada and is under the age of 70.
Your dependent children must be unmarried and dependent on you for financial purposes and be under the age of 21 or under the age of 25 (26 in Quebec) if a full-time student.

Coverage becomes effective on the first of the month following the approval of your application.

Coverage ends when ...

you reach retirement or age 70;
you cease to be a member of the RCC or an employee of a member;
premiums are not paid; or
this plan is cancelled

What’s The Cost?

Monthly Rates are based on the specific demographic features, age band, province, smoking status single or family coverage and selected plan option. The volume purchasing arrangement available to you allows for very competitive rates. Premium rates are subject to change upon your renewal date.

Premiums are payable in advance on a monthly basis. You may pay using pre-authorized bank deduction, credit card, or by cheque. Rates shown do not include provincial sales tax, where applicable. Rates are reviewed on a yearly basis. You will be advised in advance of any necessary rate changes.

Applying For Coverage

Follow these steps to apply for coverage under the RCC group insurance program:

Step 1 Complete the “RCC Group Insurance Quotation”
Step 2 You will receive a group insurance quotation from Morneau Shepell and all material required to apply.
Step 3 The employer completes a one page “Application for Group Coverage” form to select a plan design for the group.
Step 4 Each employee completes a one page Employee Enrolment form and to select the level of coverage required, and an “Evidence of Insurability” form.
Step 5 Send all completed application forms to businesssolutions@morneaushepell.com

All insurance is subject to medical underwriting by the insurer, and does not take effect until you are notified of approval.