FAQs

Answers to Your Questions about Group Insurance Plans

Chambers of Commerce Group Insurance Plan FAQs

Typically, employees have the right to keep the amount of life insurance provided by the group plan.

You can decide to covert the coverage into an individual policy and begin to pay the premiums yourself. If you want to do this, you must complete the conversion within 30 days of leaving the company.

Was the service date within the past 365 days? If so, you should be able to claim it if you’re still with the same company.

If the employee has left the company, they have 120 days from their date of plan termination to submit claims for any eligible expenses incurred up to the end of the month they were with the company.

If you and your spouse both have extended health and dental coverage through work, you can get maximum coverage by sending your claims to both plans.

For you or your spouse, send the claim to the patient’s plan first. The spouse’s plan can then cover any remaining expenses.

For your children, send the claim to the plan of the parent born earlier in the calendar year. The other parent’s plan can then cover any remaining expenses.

The best time to make a change in coverage is at the plan’s April 1st renewal date.

If you want to make a change at another time, you should contact your HFG advisor to discuss your options.

The employee (or you) must complete an Employee Change Request and an Employee’s Statement of Dependent’s Health. Then, you must send these forms to your Plan Administrator.

Once the insurance company approves the application, the dependent’s coverage will start on the first of the upcoming month.

Please note if you have dental coverage: Late applicants are each limited to $250 in dental for the first 12 months of their coverage.

The employee must complete an Employee Application and a Statement of Health. Then, you must send these forms to your Plan Administrator.

Once the insurance company approves the application, your new employee’s coverage will start on the first of the upcoming month.

Please note if you have dental coverage: Late applicants (employees and their insured family members) are each limited to $250 in dental for the first 12 months of their coverage.

Employee Benefits FAQs

If you have a question we haven’t answered, just contact us!

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.

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.

The waiting period is usually 3 months or 6 months, depending on your employer’s contract.

You can submit claims for up to 365 days after the service date.

Please see your individual policies for details about how your specific travel insurance works.

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.

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.

Chambers Plan: 1-800-665-3365

Manulife: 1-800-268-6195

Great-West Life: 1-800-957-9777

Please contact us at 1-905-319-9999 if your plan carrier is not listed above.

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