|October 14, 2019|
New Plan Members
Once the Plan Administrator provides details on the plan to the Plan Member, the Plan Member has two options:
If the employee elects option b), a Waiver of Coverage Form must be completed. If there are situations that do not correspond to a) or b) above, contact your Morneau Shepell consultant for assistance.
During the Waiting Period (as stipulated in your group contract)
To ensure that this Plan Member is added on your next monthly premium statement, provide a copy of the completed Plan Member Enrolment Form to the nearest Morneau Shepell office prior to the 15th of the month.
After the Expiration of the Waiting Period - “Late Applicant”
Plan Members who do not complete and sign a Plan Member Enrolment Form within 31 days from their date of hire will be considered late applicants.
Plan Members who are considered late applicants must submit satisfactory medical evidence of insurability to Morneau Shepell. Morneau Shepell will then advise you of the insurer’s decision to grant or withhold coverage, or remit back premiums. Coverage commences only when formal written approval is received from the insurer carriers.
The same procedure for late enrolment of Plan Members applies for late enrolment of dependents. Plan Members must enrol their eligible dependents in the plan within 31 days from the date the dependents became eligible for dependent benefits (e.g., a newborn baby must be enroled within 31 days of his/her date of birth).
Enroling a Late Applicant
Note: The employee does not have coverage until you receive confirmation from Morneau Shepell.
Adding Coverage In Excess Of The Non-Evidence Maximum (“Excess Coverage”)
Many life and long term disability plan structures include a “Non-Evidence Maximum” (NEM) clause which defines the maximum amount of coverage a Plan Member can be covered for without submitting medical evidence. If the Plan Member is eligible for an amount of coverage in excess of the NEM based on his or her salary, the insurer requires the Plan Member to submit evidence of insurability, detailing his or her medical past and current health status. Should the Plan Member wish to apply for excess coverage, please ask him or her to complete and submit the original signed Evidence of Insurability Form and a photocopy of Plan Member Enrolment Form to Morneau Shepell.
If you have any further questions, please contact us; we'll be glad to help you.