To participate in the PSGIP, you must:

• have been participating in the benefits plan as an active employee when you retire,
• have retired from an employer participating in the PSGIP,
• meet the appropriate age and years of service criteria for your employer group, and
• have coverage under the government health plan in your province of residence.

A summary of eligibility and coverage is outlined below.

Retirees of Civil Service	Retirees of Health PEI	Retirees of CUPE Local 1145, 1770, 1775 or 3260, the City of Charlottetown, Innovation PEI, IWMC and WCB of PEI
If you retired at or after age 55 with 10 years of service and you are eligible for a pension, you are eligible for: Health Travel Dental Retiree life Basic AD&D (for life) Basic life for your dependents (for life) Optional life for you and your family (to age 65) Optional AD&D for your family (to age 65) If you retired at or after age 55 with less than 10 years of service or are terminated with or without cause at or after age 50 with 10 years of service, you are eligible for: Health Travel Dental	If you retired at or after age 55 with at least 2 years of service, you are eligible for: Health Travel Dental Retiree life Basic life for your dependents (to age 65) Optional life for you and your family (to age 65) Optional AD&D for your family (to age 65) If you retired at or after age 55 with less than 2 years of service or are terminated with or without cause at or after age 50 with 10 years of service, you are eligible for: Health Travel Dental	You are eligible for: Health Travel Dental

Your spouse and children are also eligible for coverage provided they meet the official definitions of spouse and children.

Restriction for Family Members for Optional AD&D

No eligible individual may be covered more than once under the optional AD&D insurance policy. In other words, if you are covered as an employee or retiree, you cannot be covered as a spouse or dependent child of another employee or retiree who is also covered under the plan. In addition, only one spouse can choose coverage for dependent children. Your spouse and eligible children can only be insured if you are covered under the plan.

All coverage for you and your dependents begins on your retirement date. However, if you are a member of Health PEI and you retire early, your coverage will begin the first of the month following your retirement date. Until then, you will be covered as an active employee.

Coverage ends for you and your dependents as follows:

Health, travel and dental	Continues for life.
Retiree life, basic dependent life and basic AD&D insurance (Civil Service and Health PEI retirees only)	Civil Service retirees – Continues for life Health PEI retirees – Retiree life continues for life, basic dependent life ends on the first day of the month following your 65th birthday (no coverage for basic AD&D)
Optional life and optional AD&D insurance (Civil Service and Health PEI retirees only)	Civil Service retirees – Age 65 Health PEI retirees – First day of the month following your 65th birthday

Coverage can also end for the following reasons:

When your coverage ends	The earliest of: the date you request termination of coverage (or, for Health PEI retirees, the first day of the month following the date you request termination of coverage), the date the applicable policy terminates, and the date you become a full-time member of the armed forces.
When your dependents’ coverage ends	The earliest of: the date your coverage ends, the date the applicable policy terminates, the date you ask to end dependent coverage, and the date the dependent no longer satisfies the definition of dependent.