All benefits under a group benefit plan are mandatory, with the exception of Extended Health Care and Dental coverage. An employee with Extended Health Care and Dental Care benefits under a spouse’s plan, or under another employer’s group plan (e.g. second job or lifetime retirement benefits) may choose one of the following 3 options:
Option 1: Waive coverage under this plan for themselves and their dependents; or
Option 2: Co-ordinate benefits with the other (spouse’s) plan and have dual coverage, where allowed under that benefit plan; or
Option 3: Waive coverage under this plan for their dependents only, and keep dual coverage where allowed under that benefit plan for themselves.
If a member chooses to waive coverage under this plan, they must fully complete the “Waiver of Extended Health and/or Dental Coverage” section of the Member Enrollment Card. Once Extended Health or Dental coverage has been waived, the member or dependent(s) cannot enroll under the group plan unless coverage under the other plan has been terminated. If there is no loss of coverage, the employee and dependents will be considered Late Applicants and Evidence of Insurability will be required to apply for benefits. Coverage under the plan is not guaranteed.
- Extended Health and Dental Care coverage may not be waived in favour of Provincial health benefits, Blue Cross Seniors Benefits, and/or individual plans purchased by the employee.
- The name of the spouse’s Insurer or other secondary group plan must be provided on WEBS™ and/or on the paper Enrollment Card in order to waive Health and Dental.
- Please explain to the employee that if he or she waives the GroupSource Extended Health Care benefits, he or she will not be eligible for the Emergency Travel Assistance Program.
- Dependent Life coverage will be added to the plan if the member has qualifying dependents, even Extended Health Care and Dental coverage for their dependents is waived.
Tip!
Note: If coverage for EHC and Dental benefits terminates under a spousal plan while the employee is still eligible for your benefit plan, they may reinstate Health and Dental benefits without Late Applicant restrictions and/or underwriting, provided the request is received by GroupSource within 31 days of loss of coverage under the spousal plan (see “Applying for Previously Waived Benefits.”)