Answers to Your Questions about Employee Benefits and Insurance Plans
Who Do I Call for Claim Enquiries?
Chambers Plan: 1-800-665-3365
Great-West Life: 1-800-957-9777
Please contact us at 1-905-319-9999 if your plan carrier is not listed above.
Where Do I Submit My Claim?
Claim office addresses are located on the insurance carrier claim forms and many insurance companies offer online claims.
Click here to access the applicable claim forms. Please remember to take a copy of all receipts and forms before you submit.
Are All Drugs Covered Under My Plan?
Some plans do not cover smoking cessation, obesity medication, fertility, or sexual enhancement medication.
If you want to see if a specific medication is covered, please call your insurance company provider with the DIN # of that particular medication.
Is Travel Emergency Medical Insurance Included in My Group Insurance Plan?
Please see your individual policies for details about how your specific travel insurance works.
If I Find an Old Health/Dental Bill, Can I Still Claim It?
You can submit claims for up to 365 days from the service date.
What Is the Waiting Period for My Benefits to Start?
The waiting period is usually 3 months or 6 months, depending on your employer’s contract.
Who Is Eligible for My Group Insurance Plan?
With the Chambers Plan, your business (or one of its principals) must maintain a membership in a participating Chamber of Commerce or Board of Trade.
Owners, partners, and employees are eligible if they are:
- Under age 75
- Canadian residents
- Work at least 2/3 of the company’s hours
- Work 20 hours/week or more
All other insurance plans have similar rules, but you do not need to be a member of a Chambers of Commerce or Board of Trade.
How Do I Enrol My New Staff?
What Is a Late Entrant and How Do I Avoid It?
All permanent year-round employees must be enrolled into the group insurance program within 3 months of their hire date.
If this date is missed, the employee becomes a Late Entrant. A full medical disclosure is required and reduced dental benefits are applied.
To avoid this situation, please speak to your advisor’s office immediately.
Don’t See Your Question?
If you have a question we haven’t answered, just contact us!