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Maternity/Paternity Leave
If an employee is on a maternity/paternity leave, they are still considered employed and eligible for continued insurance for the duration of the period allowed by the EI Act (whether or not benefits are payable under the EI Act or other legislation). The EI Act is currently 18 months for maternity leave.
If an employee is on maternity/paternity leave, they can choose to keep or terminate all benefits. There is also an option to keep the following as packages:
- Health
- Dental
- Life
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Disability (cannot keep Disability without Life Insurance)
If an employee chooses to terminate some or all benefits while on maternity/paternity leave, a change form must be filled out. The benefits they would like to keep or remove should be clearly identified prior to going on leave. Employees cannot change their mind in the middle of their leave, benefits would not be reinstated until their return to work date, except in the change of spousal coverage being lost.
Temporary Lay-off, Leave of Absence
If an employee is not actively at work due to a leave of absence or temporary lay-off, groups can continue coverage for their employees:
- Weekly Indemnity (WI) and Long Term Disability (LTD) can be continued for one month from the end of the month in which employment was interrupted. (ie: If an employee is on layoff as of December 10 – the WI and LTD coverage can be continued until January 31)
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All other Life coverages can be continued up to six months from the end of the month in which employment was interrupted. (ie: If an employee is on layoff as of December 10 – Life, Accidental Death & Dismemberment, Critical Illness, Dependent Life can be continued until June 30)
- Health and Dental benefits can be continued on a premium paying basis.
Forms
You can easily access all of our forms at www.sk.bluecross.ca/customer-service/forms-documents.
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