Changes to your coverage

Changing from family to single coverage (health and dental)

You may, with written evidence, change from family to single coverage if you no longer have eligible dependents or such eligible dependents have become covered under another health or dental plan.

Opting out/opting in

Supplemental health

Opting out

Participation in the Supplemental Health Plan is mandatory. Quebec legislation requires that you, your spouse and children be covered under a private group health insurance plan providing at least drug coverage. The Régie de l'assurance maladie de Québec requires employers to register eligible employees in their health plan and charge the necessary premiums.

To opt out of the Supplemental Health Plan you must provide written proof of alternative health coverage (eg. through your spouse, through membership in professional order or association). Proof can be a letter from your spouse's employer or insurance carrier, written confirmation from a professional order or association, a photocopy of your spouse's insurance card detailing the type of coverage and effective date of coverage, etc.

Before opting out of the Supplemental Health Plan:

  • Consult When you retire for rules regarding eligibility for post retirement benefits;
  • Note that you will only be able to re-join the Plan if you lose coverage under another private plan and provide written proof of loss of coverage.

To opt out, complete the opt-out form and return it to the HR Service Centre. Please include necessary documentation as requested.

Opting in

You may join the Supplemental Health Plan at a later date if you lose coverage under another health plan (eg. spouse's plan) and provide written proof of loss of this coverage. Since Quebec legislation requires that all employees under 65 be covered under private group health insurance, if you have lost coverage under another health plan, you must join the McGill Supplemental Health Plan. 

Dental

Opting out

Participation in the Dental Plan is optional. If you have joined the plan, you are expected to remain in the plan for as long as you are employed at the University. You are permitted to opt out of the Dental Plan under the following circumstances:

  • You provide written evidence that you are covered under another group dental plan (eg. your spouse's plan). Proof can be a letter from your spouse's employer or insurance carrier, written confirmation from a professional order or association, a photocopy of your spouse's insurance card detailing the type of coverage and effective date of coverage. (Note: You will not be able to rejoin the plan unless you lose this alternative coverage and provide written proof of loss.) 
  • You complete three (3) consecutive years of membership in the Dental Plan. You will not be permitted to rejoin the Plan within the same period of employment with the University.
  • You retire

Before opting out of the Dental Plan:

  • Consult When you retire for rules regarding eligibility for post retirement benefits;
  • Note you will only be able to re-join the Plan if you lose coverage under another private plan and provide written proof of loss of coverage within 60 days.

To opt out, complete the opt-out form and return it to the HR Service Centre. Please include necessary documentation as requested.

Opting in 

If you did not join the Dental Plan at enrolment, you will be re-offered the opportunity to join in 3 years time.

Before 3 years, you may join the Dental Plan if you lose dental coverage elsewhere (eg. under spouse's plan). In this case, you can join the Dental Plan within 60 days of losing coverage under another group dental plan and provide written proof of loss of coverage. If you miss the 60 day window you can still join the Dental Plan, however coverage will be in effect as of January 1st of the year immediately following the year in which the life event occurred. If you wish to join with family coverage, your spouse and dependents must also have lost this alternate coverage.

If you opted out of the Dental Plan and wish to rejoin, you can rejoin the Dental Plan if you no longer have dental coverage under another group dental plan and provide written proof of loss of this coverage within 60 days of the event. If you miss the 60 day window, coverage will be in effect as of January 1st of the year following the year in which the life event occurred. If you wish to rejoin with family coverage, your spouse and dependents must also have lost this alternate coverage.

If you leave the university prior to retirement

Life insurance

If you leave McGill before retirement and are under age 65, you may convert your basic and your optional coverage (to a combined maximum of $200,000) to an individual policy. You must apply for coverage directly with the insurance carrier and pay the required premium within 31 days of your departure. If you die during this 31-day period, your beneficiary will receive the full value of your coverage, regardless of whether you apply for the conversion or not.

The application form is available online or at the HR Service Centre. The "Policyholder" section of the form must be completed by the HR Service Centre before it can be sent to the insurance carrier.

Health and dental claims

You have 90 days from the day you terminate employment to submit any outstanding claims for charges incurred prior to your termination date.


When you turn 65

Drug coverage

Basic drug coverage under the McGill Supplemental Health Plan ends at age 65. 

If you are a Quebec resident

You will be automatically registered for the Public Prescription Drug Insurance Plan administered by the Régie de l’assurance-maladie de Québec (RAMQ). Please make sure you advise your pharmacist of this change in drug coverage. If you have dependents covered under your health plan, contact the RAMQ to ensure they are also registered for coverage under the Public Prescription Drug Insurance Plan, even if they are under age 65. If your dependents have access to private drug coverage elsewhere, they will need to inquire about registering for such coverage. 

For information about the Quebec Public Prescription Drug Insurance Plan, visit the RAMQ website or contact the RAMQ at (514) 864-3411.

If you are not a Quebec resident

You will need to register for drug coverage under the drug plan provided by your province of residence. Please consult your province's provincial health care plan for further information.

 Deductibles and portions not reimbursed under a provincial drug plan are not eligible for reimbursement under the McGill Supplemental Health Plan.

Supplemental health

Whether you are a resident of Quebec or another Canadian province, you may continue your coverage under the McGill Supplemental health Plan for eligible expenses other than basic drug coverage.

These other eligible expenses include hospitalization in a semi-private room, the services of various licensed health practitioners, medical services and supplies, emergency medical travel insurance, and may include eligible prescription drugs not covered by a provincial drug plan.  *Note that the Supplemental health Plan does not cover any coinsurance or deductible not paid by under the government drug plan.

Life insurance

Basic 

  • Coverage reduces to: ½ x salary to a maximum of $50,000 while still actively at work, to a maximum of $30,000 at retirement.
  • McGill pays 100% of the cost of this coverage.

Optional

  • Option to maintain insurance bought before age 65 to a maximum of $100,000.
  • You pay for the amount you elect. Refer to the Rate Summary sheet for cost of coverage.

Disability plans

Short-Term Disability (STD)

While you are actively at work, your coverage will remain unchanged.

Long-Term Disability (LTD)

Coverage ends. Premiums are no longer charged as of age 64.5.

Dental

Your dental coverage continues unchanged.


When you retire

McGill provides post-retirement benefits for Supplemental Health, Dental, and Life Insurance, all of which may be amended after the employee’s retirement. You have the option to continue the coverage you had immediately prior to your retirement provided you meet the eligibility criteria outlined below. 

The continuation of benefits post retirement is a one time choice. If you choose not to continue the benefits coverage you had prior to retirement, you will not be able to join at a later date. However, if you continued single coverage post-retirement, you may be able to increase to family coverage at a later date following a life event. Some restrictions may apply. Contact the HR Service Centre at 514-398-4747 or hr.hr [at] mcgill.ca for more details.

For employees covered under the GFTH Special health and Dental Program, your coverage automatically ceases when you no longer have an eligible GFTH appointment. As a result, there is no continuation of benefits at retirement.

Process

The HR Service Centre must be notified of your upcoming retirement.

If you are eligible (see below) for post retirement benefits, the HR Service Centre will send you correspondence explaining the changes to your coverage at retirement. This will include a Continuation of Benefits form. You will be asked to complete this form, indicating whether or not you wish to continue your benefits post retirement.

Eligibility for post retirement benefits

In order to be eligible for post-retirement benefits, employees are required to meet all of the following criteria:

  • Minimum age of 55
  • Minimum of 10 years of continuous service prior to date of retirement.
  • Minimum of 10 consecutive years of participation in the benefit plans within one's current period of employment. You may only continue those plans in which you had a minimum of 10 consecutive years of participation.

Note: Staff hired prior to January 1, 2010 and who have a birthdate of December 31, 1955 or before, will not be subject to these eligibility criteria.

Not eligible?

If you are under 65 and do not meet the eligibility criteria for post-retirement benefits, you may convert your life insurance policy (combined maximum $200,000) into an individual policy. You must apply for coverage directly with the insurance carrier and pay the required premium within 31 days of your departure. If you die during this 31-day period, your beneficiary will receive the full value of your coverage, regardless of whether you apply for the conversion or not.

The application form is available from the HR Service Centre or online. The "Policyholder" section of the form must be completed by the HR Service Centre before it can be sent to the insurance carrier.

Supplemental health

You may elect to continue the coverage you had prior to retirement. Your eligible dependents will also continue to be covered.

Cost of coverage

If you meet the eligibility requirements for post-retirement benefits, cost sharing for the Supplemental Health Plan will be set at 30% for the University and 70% for the retiree.

Residency requirements

You (and your eligible dependents) must be a resident of Canada with provincial health care in order to continue coverage under the McGill Supplemental Health Plan.

  • If you move to another province in Canada, your health coverage will continue.
  • If you move permanently outside of Canada, your coverage under the McGill Supplemental Health Plan will end as you are no longer eligible for provincial health care.

If you are under 65

If you continue to reside in Quebec, you are obliged to remain covered under the McGill Supplemental Health Plan, unless you have alternative private health insurance and provide proof of this alternate coverage. For further details, please refer to:

If you reside in another Canadian province, you must adhere to that province's provincial health care plan.

If you are 65 and over

Drug coverage ends at age 65. You must select a separate drug plan that is independent of your McGill Supplemental Health Plan. Your Supplemental Health Plan may continue for other benefits. Please see When you turn 65 for further details.

Emergency Travel Assistance

See Emergency travel assistance/Retirees for information on travel insurance coverage for retired employees. 

Dental

  • Employees hired prior to January 1, 2010: You may elect to continue the coverage you had prior to retirement. Your eligible dependents will also be covered.
  • Employees hired as of January 1, 2010: Dental coverage will not be part of the post-retirement package. Therefore, employees hired as of January 1, 2010 will not be entitled to continue their dental coverage post-retirement.

Cost of coverage

  • If you retire on May 31, 2016 or earlier: The cost of coverage is shared 50-50 between you and the University.  
  • If you were hired before January 1, 2010 AND retire after May 31, 2016: If you meet the eligibility requirements for post retirement benefits (see above), you will be responsible for 100% of the cost of the coverage.

Residency requirements

There are no residency requirements - whether you move to another province within Canada or whether you move outside of Canada. However, dental expenses will be reimbursed according to the Quebec Fee Guide for General Practitioners. 

Coverage at age 65

There are no changes to coverage at age 65.

Disability plans

Short term disability ends at retirement.

Long term disability contributions are no longer charged 6 months prior to retirement (or as of age 64.5 whichever comes first). The HR Service Centre must be advised of the upcoming retirement in order to cancel LTD benefit contributions prior to retirement.

Life insurance - continuation of coverage

At retirement, several changes occur to life insurance coverage: 

New plan

Basic

  • Pre-retirement coverage reduces to ½ x salary to a maximum of $50,000 until age 65, and will reduce further to $30,000 thereafter.
  • McGill pays 100% of this coverage.

Optional

  • Option to maintain insurance bought before retirement to $100,000.
  • You pay for the amount you elect.
  • Refer to the Rate Summary for information on the cost of this coverage. 

Old plan

If you are insured under the Old Life Insurance Plan, at retirement your coverage will reduce by 1/2 to a maximum of $30,000. Basic coverage only.  The cost of this coverage will be covered at 100% by McGill University.

Contact the Human Resources Service Centre if you have any questions: 514-398-4747 or hrhr [at] mcgill.ca


In the event of your death

Supplemental health and dental

Continuation of benefits - spouse & dependent children

If you die before retirement:

  • If you were under age 65 and you had family health and/or dental coverage, your spouse and eligible dependent children can choose to continue this coverage under the plan for up to three (3) months, provided they pay both their share and the University's share of the benefit cost.
  • If you were 65 and over and you had family health and/or dental coverage, your spouse (and eligible dependent children) can choose to continue this coverage under the plan indefinitely (until their death), provided they pay their share of the benefit cost. If your spouse chooses to continue coverage, they will be registered with benefits under their own McGill ID number. Once notified of your death, a Human Resources representative will contact them with all the necessary details.

If you die after retirement

Regardless of your age, if you had family health and/or dental coverage, your spouse (and eligible dependent children) can choose to continue this coverage under the plan indefinitely (until their death), provided they pay their share of the benefit cost. If your spouse chooses to continue coverage, they will be registered with benefits under their own McGill ID number. Once notified of your death, a Human Resources representative will contact them with all the necessary details.

Claiming outstanding health and/or dental expenses

  • Health and/or dental expenses incurred prior to your death must be submitted to the insurance carrier within 90 days after your death.
  • Plan member certificate number: Your McGill ID number needs to be indicated in this section of the form.
  • Signing the claim form: Your spouse or the executor of the Estate can sign the claim form.

For information please contact the Human Resources Service Centre at 514-398-4747 or hr.hr [at] mcgill.ca.

Life insurance

The life insurance benefit will be paid out to the beneficiary(ies) you have designated. You can confirm your beneficiaries on MINERVA using your PIN and McGill ID number. Go to Employee Menu, Benefits Menu and Your Benefits.