If you have unmarried, natural, adopted or step children, under the age of 22 and not working more than 30 hours a week, unless they are full-time students, they are eligible for coverage through your group benefits plan with Great-West Life. If your child is age 22 or over, they must be a full-time student to maintain coverage until age 25.
A child is considered a full-time student if they have registered in an educational institution for 15 hours a week or more; sometime in the last 6 months. If your child is being paid to attend an educational institution, they are no longer deemed a dependent.
Dependent Children, age 22 to 25 – Don’t forget to reconfirm Student Status
It is important for employees with dependent children over the age of 22 to remember to update their student status with Great-West Life to ensure their dependents continue to receive uninterrupted Health and Dental coverage for the duration of their formal education, or until age 25.
Watch for the student re-certification from Great-West Life each year!
The Out-Of-Country Emergency Care (OOC) provided through your Great-West Life plan only covers emergency medical situations while outside of Canada. An emergency is described as a sudden, unexpected injury or an acute episode of disease. Dependents attending school out-of-country will remain on your Health and Dental plan for the duration of their education, or until they reach age 25.
There are no pre-existing conditions on the OOC coverage; however, if the insured individual does have a medical issue, the condition must be stable and controlled for 3 months prior to their departure from Canada. If you are unsure, you should check with your doctor and Great-West Life.
So what does this mean for your child going out-of-country for school?
If your child is considered an eligible dependent, they will be covered for unexpected emergency medical while out-of-country. For a dependent who is not a student, no benefits will be paid for expenses incurred more than 90 days after the date of departure from Canada in the event of a medical emergency.
For a dependent who is attending school out-of-country, benefits will be extended if approval is given by the student’s provincial health plan. For more information on your provincial health plan, visit http://www.gov.mb.ca/health/mhsip/index.html.
Be aware that any routine or non-emergency services or expenses such as chiropractic care or prescription drugs incurred out-of-country will be reimbursed at the reasonable and customary amount charged in your home province of residence.
If you review your dependent’s coverage needs and require purchasing individual coverage, plans purchased in Canada for students abroad can be significantly less expensive compared to plans available through the school. Red River College employees have access to HUB International STRATA Benefits Consulting Individual Health Dental and Travel service which provides information and assistance in obtaining individual coverage. Contact HUB STRATA at 1-866-787-2826 for more information.
The LifeWorks website contains useful tools and articles to help you and your family. You even have access to seminars at www.lifeworks.com.
Positive, meaningful ties with friends, children, partners, spouses and work colleagues enrich our lives in many important ways. We have advice on giving it your best with others. Check out these recommended resources on giving it your best with others:
- Podcast – Going the Extra Mile
- New Seminar – Building Trust at Work and in Your Personal Life
STRATA Select Car/Truck Rental
Through our affiliation with HUB International STRATA Benefits Consulting, we are able to offer our employees products and services at discounted or preferred rates through the Voluntary STRATA Select Program.
You may be eligible for a preferred discount for your car and rental needs in Canada, the USA, as well as overseas through Enterprise Rent-A-Car and National Car and Truck Rental (subject to availability). For more information on these discounts or the Voluntary STRATA Select Program, please visit your STRATA Select website.
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