Beneficiary

A person, will or trust that you designate to receive financial benefits in the form of life insurance and retirement saving should you pass away. Beneficiaries should be designated as soon as you enroll in benefits and can be updated at any time.  

Evidence of Insurability (EOI)

EOI is the application process in which you provide information on the condition of your health (or your dependent’s health) to Manulife in order to be approved for higher amounts of life insurance.

Contribution

Your contribution is the amount you must pay for your insurance plan. These are typically deducted from your paycheck, which you will receive twice a month.

What’s the difference between In-Network and Out-of-Network?

In-Network describes when a doctor, hospital or health care facility you visit is part of your insurance company’s network. Your insurance provides you a lower cost for using in-network providers. You can search for in-network providers through the insurance company or by contacting a provider directly. Out-of-Network describes when a provider is not part of an insurance company’s network. The cost of services will be higher at an out-of-network provider.

What’s the difference between Inpatient and Outpatient?

Inpatient care describes any treatment or service that requires a visit to a hospital or other healthcare facility and requires an overnight stay. Outpatient care is a medical treatment or diagnostic that does not require being admitted overnight to a hospital.

What if I have existing extended health care coverage?

You are required to enroll in extended healthcare coverage through Indeed unless you show proof that you have other EHC benefits.  If this is the case, please reach out to the HR Benefits team after your start date for more information.

Who qualifies as a dependent?

You may cover eligible dependents under your benefits. Throughout this guide, the term dependent includes spouse, common-law spouse and children who meet the following criteria:

Spouse of Common -Law Spouse

A spouse is your legal spouse or a person continuously living with you in a role like that of a marriage partner for at least 12 months.

Child

A dependent child is your unmarried natural child, adopted child or stepchild (a stepchild must be living with you to be eligible) who meets the following criteria:

Not employed on a full-time basis

Ineligible for insurance as a plan member under this or any other group plan

Under age 21

Over-age Child (Student)

An unmarried over-age dependent child may be eligible for coverage under your plan if the child meets the following criteria:

Not employed on a full-time basis

Ineligible for insurance as a plan member under this or any other group plan

Is a full-time student under age 25 (26 for drug expenses in Quebec) at an accredited school, college or university

Confirmation of school attendance is required on an annual basis.

Disabled Child

Children of any age who are incapable of self-support by reason of mental or physical disability and whose disability and continued coverage has been approved by Manulife will continue to be an eligible dependent under this policy.

What counts as a life event?

During the course of the year, you might experience a change in your life that allows you to make changes to your benefits.  This includes getting married, having a baby, adopting a child, losing other coverage, or sometimes moving to a different area.  At Indeed, you have 30 days from the date of the event to notify us that you need to update your benefits.  

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