Eligibility

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Critical Illness Insurance


Management employees, under age 70 can join the Critical Illness Insurance Plan. The spouse, under age 70, and children of covered employees, who are under age 70, can also join the Critical Illness Insurance Plan. 
 
You must enrol in Critical Illness Insurance as it is not automatic. If you enrol in Critical Illness Insurance within 31 days of eligibility proof of insurability is not required for the first $50,000 of coverage.
 
You are no longer eligible for Critical Illness Insurance coverage the earlier of:
  • the date you retire;
  • the date you reach age 70;
  • the date a Critical Illness benefit is paid for a covered condition which you sustain;
  • the date you are no longer a resident of Canada;
  • the date of your death, or
  • the date your employment ends with NAV CANADA, unless you choose to convert your coverage up to $100,000 to an individual policy with Sun Life. 

Your spouse is no longer eligible for Critical Illness Insurance coverage the earlier of:

  • the date you retire;
  • the date you reach age 70;
  • the date your spouse reaches age 70;
  • the date your spouse ceases to be an eligible spouse;
  • the date a Critical Illness benefit is paid for a covered condition which your spouse sustains;
  • the date your spouse is no longer a resident of Canada;
  • the date of your or your spouse’s death, or
  • the date your employment ends with NAV CANADA, unless you choose to convert your spouse’s coverage up to $100,000 to an individual policy with Sun Life.
Your child is no longer eligible for Critical Illness Insurance coverage the earlier of:
  • the date you retire;
  • the date you reach age 70;
  • the date your child ceases to be an eligible child;
  • the date a Critical Illness benefit is paid for a covered condition which your child sustains (coverage will continue for the rest of your insured children);
  • the date your child is no longer a resident of Canada;
  • the date of your or your child’s death; or
  • the date your employment ends with NAV CANADA.
If you are appointed for an indeterminate period you are eligible the date you are appointed:
​Date of appointment ​June 7, 2014
​Eligible to join ​June 7, 2014
​If application is received... Coverage begins...​
​July 1, 2014 (for coverage of $50,000 or less) July 1, 2014
​July 1, 2014 (for coverage of more than $50,000) When Sun Life approves the application
July 17, 2014 When Sun Life approves the application
If you are appointed for a term of more than 6 months you are eligible the date you are appointed:
Term period ​June 7, 2014 to April 7, 2015
​Eligible to join ​June 7, 2014
​If application is received... Coverage begins...​
​July 1, 2014 (for coverage of $50,000 or less) July 1, 2014
​​July 1, 2014 (for coverage of more than $50,000) When Sun Life approves the application
July 17, 2014 When Sun Life approves the application
 
If you are appointed for a term of 6 months or less, and then appointed to another term of less than six months you are eligible the day after you complete six months of continuous employment:
First term period ​June 7, 2014 to November 7, 2014
​Second term period ​November 8, 2014 to April 7, 2015
​Eligible to join December 7, 2014
​If application is received... Coverage begins...​
January 3, 2015 (for coverage of $50,000 or less) January 3, 2015
January 3, 2015 (for coverage of more than $50,000)​ When Sun Life approves the application
February 13, 2015 When Sun Life approves the application
 
If you are appointed for a term of 6 months or less, and then appointed to another term of six months or more you are eligible the date your new appointment begins:
First term period ​June 7, 2014 to November 7, 2014
​Second term period November 8, 2014 ​to November 8, 2015
​Eligible to join November 8, 2014
​If application is received... Coverage begins...​
December 3, 2014 (for coverage of $50,000 or less) December 3, 2014
December 3, 2014 (for coverage of more than $50,000)​ When Sun Life approves the application
​January 14, 2015 When Sun Life approves the application
 
Published on February 01, 2016