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Dependent Life

Payment

Because you must enrol your Dependents for the dependent life insurance benefit, when one of your eligible Dependents dies, we will pay the benefit amount to you.

Waiver of Premium

If your Life Insurance premium is being waived, the premium for this benefit will also be waived.

Conversion Option

Your Spouse will be eligible to convert his or her dependent life insurance coverage to a personal life insurance policy issued by Blue Cross Life Insurance Company of Canada without having to answer any health questions. To qualify, your Spouse must be under age 65, and we must receive his or her application within 31 days of the date your employment terminates. Contact us (BC LIFE) directly for further information. This option does not apply to schedule reductions, or termination of coverage that becomes effective at specified ages or at retirement.

Exclusions

Dependents not residing in Canada or the USA or Dependents who are members of the armed forces in any country are not eligible for the dependent life insurance benefit.

Claims

In the event of your death, the Plan Administration office must be contacted within 30 days, and a completed claim form along with any proof required must be received within 90 days. However, no payment will be made on any claim submitted later than 1 year from the date of death.