If You Pass Away

• Someone must inform belairdirect of your death by calling (902) 628-3537 or 1 833 749-1324. A representative will then provide the necessary information and documentation.
• To submit a claim, your beneficiary must complete the applicable claim form and submit it along with proof of death as soon as possible. belairdirect will advise you of all documents that must be submitted. There are important deadlines to be aware of to ensure continuation of coverage for your dependents.

If Your Spouse or Child Passes Away

• Inform belairdirect of your dependent’s death. A representative will then provide the necessary information and documentation.

If You or Your Dependents Suffer a Loss, Other Than Loss of Life, as a Result of an Accident

• Report the claim by calling belairdirect at (902) 628-3537 or, if you are outside the Charlottetown area, 1 833 749-1324. belairdirect will provide you with a claim form and a list of any other required documents.
• Complete and return the claim forms and supporting documents to belairdirect within 30 days of the accident. Your claim will still be valid if it is not reasonably possible for you to provide the written notice or proof within the 30-day deadline. However, you must provide notice or proof no later than one year after the accident.

If You or Your Spouse is Diagnosed with a Serious Illness

• You may contact belairdirect by calling (902) 628-3537 or 1 833 749-1324. A representative can then provide the necessary information and documentation.
• To submit a claim, you or your spouse must complete and submit the applicable claim forms and, such as the physician's report, claimant statement and employer statement, as soon as possible. belairdirect will advise you of all documents that must be submitted

Before your sick leave benefits end, call belairdirect at (902) 628-3537 or 1 833 749-1324 to notify them of your disability, even if you are applying for workers’ compensation benefits. Be sure to mention the policy number: 162618. A representative will then send you the necessary information and forms required to file long-term disability premium waiver and AD&D benefits (where applicable).

• Complete the forms. Your attending physician must also complete a portion of the forms.
• Return the completed forms to belairdirect within six months from the end of the qualifying period.

For more detailed step-by-step instructions, see the guide How to apply for long-term disability benefits.

Note: Canada Life reserves the right to request proof of the continuance of total disability, and to have you submit to an examination by Canada Life’s medical advisors when requested.