Answers to Your Questions about Employee Benefits and Insurance Plans

Who Do I Call for Claim Enquiries?

Chambers Plan: 1-800-665-3365

Manulife: 1-800-268-6195

Great-West Life: 1-800-957-9777

Sunlife: 1-800-957-9777

Equitable Life: 1-800-957-9777

Empire Life: 1-800-957-9777

Please contact us at 1-905-685-8575 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.

Contact us for 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 anti-smoking help, obesity medication, fertility, or sexual enhancement medication.

If you require a list of specific medication not 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?

Travel Emergency Medical Insurance may not be included in all Group Insurance package. Please review your policy and contact your insurer for more details.

If I Find an Old Health/Dental Bill, Can I Still Claim It?

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.

What Is the Waiting Period for My Benefits to Start?

Depending on your employer’s Group Insurance Plan, and your contract with the employer, benefits usually take 3 to 6 months to start.

Who Is Eligible for My Group Insurance Plan?

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
  • Commerce or Board of Trade.

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 depending on the predetermined waiting period of your particular group.

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.