All members and eligible dependents must be enrolled in the plan from the date they are eligible (the end of the waiting period outlined in your Booklet). If the member or dependent is not enrolled within 31 days of becoming eligible, they may be deemed a late applicant. Evidence of Insurability may be required or retroactive premiums may be charged, depending on the insurer’s guidelines. If approved, coverage will commence on the effective provided by the insurers.
Evidence of Insurability consists initially of a health questionnaire. Depending on the circumstances, additional information may be requested by the insurers such as; a medical examination, blood tests or completion of specific forms providing detailed medical information. Coverage may be denied or approved with restrictions by the insurer.
The cost of any medical information is the member’s responsibility.
- If you have a late applicant, please check with your Billing Administrator for the provisions that apply to your plan.
- If the applicant needs to provide Evidence of Insurability, our Medical Underwriting department will contact you with the appropriate forms.
- Tell your employee to send the completed form directly to the GroupSource Medical Underwriting Department, by mail or email at medicalunderwriting@groupsource.ca.
- The Insurer will review the information and provide an answer in writing to the employee. As the Plan Administrator, you will be advised in writing whether the application is approved or denied, but no medical details will be shared with you.