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Group Benefits Eligibility

Eligibility Rules (i.e., who qualifies and when)

To be eligible, the employee must:

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Additional Provisions

An employee may cover only one spouse at a time:

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Dependent Children

Dependent Children are eligible for coverage from 24 hours up to their 21st birthday or to the attainment of their 25th birthday (26th birthday if the employee is a resident of Quebec) if enrolled and in full-time attendance at an accredited college or university.

Dependents over 21 years of age may qualify for coverage if they are dependent upon the covered employee by reason of a mental or physical disability. If a dependent becomes mentally or physical disabled at a later date, please contact Morneau Shepell for more information.

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Eligibility of Unmarried Dependent Children

Dependent children are eligible for benefits up to the age restrictions noted in the employee booklet provided they are not married (or living in a common law relationship) and they are financially dependent on the employee or the employee’s spouse.

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Eligibility for Over-Age Dependent Children – Student

An over-age dependent child is eligible for benefits provided he or she is attending a recognized school, college or university on a full-time basis. Full-time attendance means more than ten hours of classroom instruction per week.

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Survivor Benefits

In the event that the Plan Member dies while covered under this agreement, the level of health and dental benefits provided to that Plan Member may continue to cover survivors until the earlier:

Premium may or may not be required.

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