If you experience a life event, you have 31 days to make changes to your health, travel and dental coverage.

You may change your retirement health and dental coverage options as of April 1st of each year. Four to six weeks before the enrolment window will receive a reminder by mail.

If you get married or start a common-law relationship, you have 31 days to enrol your new spouse in the benefits plan, provided your spouse meets the definition of spouse. If you apply for coverage after the 31-day limit, your spouse will need to provide proof of good health.

You can only cover one spouse at a time, so if you have a former spouse, you will need to remove their coverage.

If you get divorced or separated, you can continue to cover your former spouse under your health, dental and travel benefits, if you wish, but you may cover only one spouse. If your spouse is still covered under another group insurance plan, you may still coordinate benefits for your children’s covered expenses between your plan and your former spouse’s plan.

What to Do

To add a new spouse:

1. Complete the Enrolment form. You can get a paper copy by contacting Johnson Inc.
2. Gather any supporting documents that may be required, such as a proof of good health medical questionnaire.
• If you enrol your spouse in the PSGIP over 31 days after the life event, you must provide proof of good health for health coverage.
• Depending on the responses in the proof of good health medical questionnaire, your spouse may be required to undergo a medical examination.
3. Return the form and any supporting documents to Johnson Inc.
4. Coverage will take effect once Canada Life approves the proof of good health, if any.

To remove a former spouse:

1. Notify Johnson Inc., in writing, of the change in your marital status.
2. Specify that you wish to terminate coverage for your former spouse.

If you welcome a new child into your home, either by birth or adoption, you have 31 days to enrol your new child in the plan, provided they meet the definition of child.

If your child is an overage student, meaning that they are over age 21, but under age 26, you can continue their benefits coverage, provided they are enrolled in full-time studies at an accredited learning institution. You can also continue coverage for overage children if they are physically or mentally disabled.

What to Do

To enrol a new child in the plan:

1. Complete the Enrolment form. You can get a paper copy by contacting Johnson Inc.
2. Gather any supporting documents that may be required, such as a proof of good health medical questionnaire.
• If you are applying to cover the child after 31 days of being eligible, you may be required to submit proof of good health. Depending on your responses, your child may be required to undergo a medical examination.
3. Return the form and any supporting documents to Johnson Inc.
4. Coverage will take effect as of their date of eligibility, or once Canada Life approves the proof of good health, if any.

To declare an overage student:

1. Notify Johnson Inc. when your child’s dependent status changes. Each fall you must provide proof of full-time attendance at an accredited learning institution to confirm your child’s continuing studies.

If you did not choose PSGIP’s health, dental or travel coverage because you were covered under your spouse’s plan, you may join the PSGIP if your spouse’s coverage ends. You have 31 days following the end of your spouse’s coverage to enrol without having to provide proof of good health.

What to Do

1. Complete the Enrolment form. You can get a paper copy by contacting Johnson Inc.
2. Gather any supporting documents that may be required.
• If you choose family coverage and have an overage student dependent (age 21 to 26), you must provide confirmation of your child’s continuing attendance at an accredited college or university each year for continued coverage.
• If your child is disabled and over age 21, you must provide satisfactory proof that they are incapable of self-support because of the disability.
• If you enrol in the PSGIP over 31 days after your eligibility date, you must provide proof of good health for health coverage.
• Depending on responses in the proof of good health medical questionnaire, you or your spouse may be required to undergo a medical examination.
3. Return the form and any supporting documents to Johnson Inc.
4. Coverage will take effect once Canada Life approves application and proof of good health, if any.

When you reach age 65, your coverage under the plan will be affected as follows:

• Certain drugs previously covered by the plan will instead be covered by the province’s Drug Cost Assistance Plan (DCAP). Should you purchase a prescription under Seniors’ DCAP, you will have to pay up to $8.25 plus $7.69 of the pharmacy professional fee per drug.
• Optional life and accident insurance will end for both you and your family.
• If you retired from Health PEI, basic dependent life insurance coverage will end.

What to Do

Contact Johnson Inc. to inform them that you have reached age 65.

If You Pass Away

If you pass away and you had coverage under the plan for life and AD&D benefits, your beneficiary will receive the following death benefits:

• Retiree life insurance plus optional life insurance (if you purchased optional coverage and are under age 65)

Plus, if the death was as a result of an accident

• Basic AD&D insurance (Civil Service) plus optional AD&D insurance (if you purchased optional coverage and are under age 65)

Benefits Coverage for Your Family

Your dependents’ health, dental and travel coverage will continue, provided they pay the cost of coverage. Your surviving spouse has 31 days after your death to choose to continue coverage.

Coverage for your eligible dependents will continue until the earliest of the following dates:

• the date your surviving spouse passes away,
• the date your dependents no longer meet the definition of eligible dependents, and
• the date this plan terminates or this coverage has ended.

For life and AD&D coverage, your eligible dependents can convert their coverage (if applicable) into individual policies. If an application for conversion is made within 31 days of your death, no proof of insurability will be required. Your dependents can apply for conversion by calling Johnson Inc. at (902) 628-3537 or 1 800 371-9516.

What to Do

If you pass away, someone will need to inform Johnson Inc. of your death. A representative will then provide the necessary information and documentation.

If Your Spouse or Child Passes Away

If your spouse or child passes away and they had coverage under the plan for life and AD&D benefits, you will receive the following death benefits:

• Basic life insurance plus optional life insurance (if you purchased optional coverage and are under age 65)

Plus, if the death was as a result of an accident

• Optional AD&D insurance (if you purchased optional coverage and are under age 65)

What to Do

If your spouse or child passes away, you need to inform Johnson Inc. of your dependent’s death. A representative will then provide the necessary information and documentation.