Once you elect a Health & Dental option, you are locked in to that option until the next re-enrolment period which occurs every two years. The only exception is if you experience a Life Event.
What is a Life Event?
A Life Event is:
- Adding a dependent through marriage, common-law relationship, or birth/adoption of a child
- Losing a dependent through death, divorce, or a child losing their eligibility as a dependent under your plan
- Your spouse loses/gains coverage through their own employer’s group plan
Who is considered a spouse?
An eligible spouse includes your legal spouse, common-law spouse or former spouse. Keep in mind that you can only insure one spouse at a time.
Who is considered a dependent child?
An eligible dependent child includes you or your spouses unmarried and financially dependent natural, adopted, or step child or any other unmarried financially dependent child for whom you or your spouse has been appointed guardian and who meets at least one of the following conditions:
- Is under 22 years of age,
- Is under 25 years of age and attends an educational institution on a full-time basis, or became totally and permanently incapacitated for a continuous period while still considered to be a dependent under points 1 or 2 above.
A more detailed definition of dependent is provided in the Flex Benefits Booklet.
What do I do if I experience a Life Event?
If you experience a Life Event you will be eligible to select a new Health & Dental option as long as you contact Human Resource Services within 60 days of the Life Event. If a Life Event is not reported within 60 days you will not be eligible to change your Health & Dental option and your next opportunity will be during the next re-enrolment.
Should I report a Life Event if I missed the deadline?
Yes. You should report all changes that may impact your benefits plan to Human Resource Services including changes in dependents, changes in coordination of benefits information, changes in contact information, etc.
The above is a summary of the provisions of the group plan. In the event of a discrepancy between this benefit and the master contract, the terms of the group contract will apply.
Supporting Your Wellness
The Homewood Health Employee and Family Assistance Program (EFAP) is a professional, confidential, and proactive service to support you in all aspects of your life.
Your EFAP can help with a variety of situations such as stress, anxiety, life change and transitions, relationship concerns, etc. Your full suite of EFAP services includes counselling, Life Smart Coaching and Online resources.
What is Busy Family?
Homewood Health includes The Busy Family Childcare Resource Locater and The Eldercare Resource Locator as part of their EFAP service offering. The Resource Locator can assist you with finding daycares, homecare, respite care, child services, retirement residences, nursing homes and more!
Click here to review the Homewood Health EFAP resources available to you and to get contact information.