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Employees must apply for coverage if they are employed on a permanent basis and work the minimum number of hours per week as stated in the group contract.
Alberta Blue Cross must receive employee benefit applications for all eligible employees/dependents within 31 days of their effective date of coverage following the plan waiting period (probation period). This is to ensure the new employee is not administered as a Late Applicant, which could delay the benefit effective date.
An employee can choose to waive benefits due to spousal coverage. The employee is able to rejoin your benefit plan only if spousal coverage has been terminated or significantly reduced. Employees must apply within 31 days of the change.
Eligible employees with dependents must apply for family coverage.
Employees who waive either Life or Disability benefits must opt out from entire life and disability coverage rather than from select benefits. A non-evidence limit (NEL) refers to the amount of coverage available for Life, AD&D, Weekly Indemnity and Long-Term Disability without the submission of a medical evidence questionnaire.
If a Statement of Health or other medical evidence forms are required, Alberta Blue Cross will request them.
If employees do not submit applications within 31 days of their eligibility date, they may be asked to undergo a medical examination and complete a Statement of Health. Late applications will result in either a Request for Medical Evidence of Insurability or premiums being charged retroactively (depending on Life Contract).
To ensure no delays in processing applications, make certain that all submitted forms are completed in full and signed. Please remember that submitting an application does not guarantee coverage and that the applicant is responsible for the cost of obtaining any additional information for a late application.