Life Events

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Life Events


​This section covers when benefits are paid, depending on different events in your life. Choose the event below that applies:
Joining NAV CANADA
​Leaving NAV CANADA
Taking an Authorized Leave of Absence
Change in Marital Status
Adding a Child to your Family
Child Reaches Age 21
Child Going to/Leaving College or University
​Both Spouses Working at NAV CANADA
​Changing Personal Information

Joining NAV CANADA

When you become eligible, your Management Payroll Advisor will give you the forms you need to take advantage of the Benefit Plans that apply to you as a management employee:

  • Health Care Plan, including:
    • Supplementary coverage, when you live in Canada and are covered by a provincial health plan, and
    • Annual Health Spending Account of $750 (prorated for the first year if your coverage begins after March 31), which can be used to claim any health or dental expenses eligible under the Income Tax Act (section 118.2(2)) for you and your dependent(s);
  • Dental Care Plan;
  • Long Term Disability Insurance Plan;
  • Basic Life Insurance Plan;
  • Management Insurance Plan, including:
    • Supplemental Life Insurance;
    • Optional Life Insurance;
    • Accidental Death and Dismemberment Insurance; and
    • Dependent Insurance.
  • Critical Illness Insurance; and
  • Business Travel Accidental Death and Dismemberment Insurance.
Coverage start dates vary by plan:
Benefit If...​ Coverage starts...
​Health Care Plan
Supplementary Coverage
​Your application and proof of eligibility are received within 90 days of the date you become eligible
​The first day of the month after the application and documentation are received
Your application and proof of eligibility are received more than 90 days of the date you become eligible​ ​The first day of the fourth month after the application and documentation are received
Health Spending Account
​You are eligible The same date as your Health Care Plan coverage​
Dental Care Plan ​You are eligible ​After a waiting period of exactly 3 months of continuous employment
Long Term Disability You are eligible ​Immediately
​Basic Life Insurance ​You are eligible Immediately​
​Management Insurance Plan*

Supplemental Life Insurance,

 

Dependent Insurance, and

 

Accidental Death and Dismemberment Insurance

 

*You must enrol in Supplemental Life Insurance to join any other plan.

​Your application is received within 60 days of the date you become eligible
The date you:
  • become eligible, or
  • your application is received by the Payroll Section,
whichever is later​
​You apply more than 60 days after you become eligible ​When Sun Life Financial approves your application, with evidence of insurability
Optional Life Insurance​ ​You apply any time after you become eligible ​When Sun Life Financial approves your application, with evidence of insurability
​Critical Illness Insurance Plan ​Your application for coverage of $50,000 or less is received within 31 days of the date you become eligible The date you:
  • become eligible, or
  • your application is received by the Payroll Section,
whichever is later​
​Your application is received more than 31 days after you become eligible​ or you are applying for coverage of more than $50,000 ​When Sun Life Financial approves your application, with evidence of insurability
​Business Travel Accidental Death and Dismemberment Insurance ​The date you start a trip on NAV CANADA business from your place of employment, home or other location

*You must enrol in Supplemental Life Insurance to join any other plan. 

Family Coverage

If you have enrolled in family coverage in the Health Care and Dental Care Plans to cover your spouse and children, their coverage begins when your coverage begins if the applicable supporting documents have been provided to your Management Payroll Advisor and approved.

If you are enrolled in single coverage and you get married, or change to common-law status with your spouse, or a child is added to your family, you can apply to change to family coverage with the applicable supporting documents:

  • within 90 days of the date of the change, coverage takes effect on the date of the change, or
  • more than 90 days later, coverage takes effect on the first day of the fourth month after the application is  received. 

Leaving NAV CANADA

In general, coverage ends if you leave NAV CANADA for a reason other than retirement:

Plan ​When Coverage Ends
​Health Care Plan The end of the month following your last day of employment with NAV CANADA
​Dental Care Plan Your last day of employment with NAV CANADA
Long Term Disability Insurance Your last day of employment with NAV CANADA
Basic Life Insurance The end of the month following your last day of employment with NAV CANADA unless you convert your coverage
Management Insurance Plan​ The end of the month following your last day of employment with NAV CANADA unless you convert your coverage
​Business Travel Accidental Death and Dismemberment Insurance Your last day of employment with NAV CANADA
You cannot continue your coverage under the Health Care, Dental Care, Long Term Disability Insurance or Business Travel Accidental Death and Dismemberment Insurance Plans once you leave.
 
Health Care Plan

You may benefit from “My Health Choice” package offered by Sun Life. To be eligible:

  • you and everyone included in your application must be age 75 or less on the date you apply,
  • you must be covered under a provincial health care plan,
  • children age 21 to 25 (26 for Quebec residents) must be full-time students at college or university,
  • you must be a Canadian resident, and
  • you must apply no more than 60 days after your NAV CANADA coverage ends.

For more information:

  •  Visit www.sunlife.ca/healthreplacement. You will find everything you need, from plan details to application forms. You can even purchase coverage directly online.
  • Call toll-free 1-800-SUN LIFE (1-800-786-5433). If you are interested, but do not have Internet access, the Customer Care Centre will send you an application form. Once approved, Sun Life will send you a welcome package with detailed coverage information.
  • Contact Sun Life by e-mail at healthsolutions@sunlife.com.
  • Finally, you can print and complete the Health Coverage Choice Application Form here.
If you are an employee covered under the Health Care Plan, you will have 90 days after your coverage ends to submit claims for reimbursement eligible expenses under the Plan or your Health Spending Account. Expenses must have been incurred, that is, they must be dated before your coverage end date; otherwise, they will be rejected.
 
Critical Illness Insurance Plan

If you leave NAV CANADA before age 70, you can maintain your coverage without having to provide proof of good health by converting your coverage to an individual policy no more then 31 days after your termination date, subject to certain restrictions. You can also convert your spouse’s Critical Illness insurance. You can convert the current coverage up to a maximum of $100,000. If you choose this option, you pay your premiums directly to Sun Life based on their commercial rates. Converted coverage also ends at age 70. This option is not available for Child Critical Illness insurance.

For more information call toll-free 1-800-SUN LIFE (1-800-786-5433).
 
Basic Life Insurance Plan

If you leave NAV CANADA and defer your pension, you can maintain your coverage. Just send a written request to your Management Pension Advisor with a cheque for the first 12-month payment no more than 30 days after your termination date. You will be covered for the same amount as when you left NAV CANADA if you were under age 61; coverage begins to reduce as of your 61st birthday. The coverage reduces to $0 at age 70 (the minimum coverage of $5,000 does not apply).

If you leave NAV CANADA and transfer the value of your pension benefits out of the NAV CANADA Pension Plan, you can continue coverage by applying for conversion to a private policy with Sun Life no more than 31 days after you leave. If you choose this option, you pay your premiums directly to Sun Life.

Converting life insurance

Within 31 days of leaving NAV CANADA, you can contact Sun Life directly to buy individual life insurance without a medical examination (regardless of your state of health), subject to certain restrictions. You can also convert your spouse’s life insurance. You cannot, though, convert your children’s Dependent Insurance or your Accidental Death and Dismemberment Insurance.

If you die during the 31-day period after you leave NAV CANADA, benefits will be paid as if you had converted coverage, even if you had not.

Extension of Benefits
Health Care Plan coverage continues:
  • for charges related to pregnancy and delivery, until the end of the month in which the pregnancy is terminated or the end of the month in which the child is born, where a member dies leaving a widow who is pregnant and who was a covered dependent at the time of the member's death and the widow is not in receipt of a pension, she may continue her coverage by the payment of the total required contribution.
Dental Care Plan coverage continues:
  • for completion of certain dental treatments (for example, root canal treatment where the pulp chamber is opened) started before coverage ended, as long as work is completed within 31 calendar days from the end of coverage, and
  • to the end of the calendar quarter that includes the month coverage ends, for eligible orthodontic services of a child, that began before coverage ended. 

 

Retiring

You cannot continue your coverage under the Dental Care, Long Term Disability Insurance or Business Travel Accidental Death and Dismemberment Insurance Plans once you retire from NAV CANADA.

Check the definition of retiree in the glossary section to determine if you are an eligible retiree. If you are, you may opt for Health Care of Basic Life Insurance coverage during your retirement. Please refer to the Management Retiree profile as each plan has a strict application deadline for coverage. If your application is not received within the deadline provided, coverage will be declined.

The Health Spending Account is not offered to retirees, even if you continue your Health Care Plan coverage when you retire. You must submit final claims under your Health Spending Account no more than 90 days after your coverage as an employee ends. Expenses must have been incurred, that is, the receipts must be dated before your coverage end date; otherwise, they will be rejected.

Any required cost is deducted from your pension. If your premiums are higher than your pension amount, you must send a cheque for the required premium in advance to your Management Pension Advisor.

Refer to the Management Retiree Profile for further information.

Critical Illness Insurance Plan

If you retire from NAV CANADA before age 70, you can maintain your coverage without having to provide proof of good health by converting your coverage to an individual policy no more then 31 days after your termination date, subject to certain restrictions. You can also convert your spouse’s Critical Illness insurance. You can convert the current coverage up to a maximum of $100,000. If you choose this option, you pay your premiums directly to Sun Life based on their commercial rates. Converted coverage also ends at age 70.

For more information call toll-free 1-800-SUN LIFE (1-800-786-5433).

Converting Management Insurance Plan

Within 31 days of leaving NAV CANADA, you can contact Sun Life directly to buy individual life insurance for the Supplemental and Optional Life Insurance without a medical examination (regardless of your state of health), subject to certain restrictions. You can also convert your spouse’s life insurance. You cannot, though, convert your children’s Dependent Insurance or your Accidental Death and Dismemberment Insurance.

If you die during the 31-day period after you leave NAV CANADA, benefits will be paid as if you had converted coverage, even if you had not.


Changing Positions or Earnings

Transferring from a represented to a management position or vice-versa
If you transfer from a represented to a management full-time or part-time position, you become eligible for the Management Insurance Plan and all management coverage and premium cost-sharing. Vice-versa, your management coverage and premium cost-sharing ends, but you can maintain the coverage you have under the Management Insurance Plan.
 
Changing from part-time to full-time or vice-versa
If you were working less than one-third of a full-time equivalent position, you may become eligible for new or revised coverage when you start working full-time. If you transfer to a position working less than one-third of a full-time equivalent position, your coverage ends.
 
Change in earnings

Any increase or decrease in your annual earnings, resulting from earnings rate adjustments, increments, and promotions, means a corresponding change in the amount of life and accident, business travel, and disability coverage, depending on the plans for which you are eligible.

Life insurance amounts and premiums are revised on the effective date of the change.

If your earnings increase retroactively or decrease before the effective date, coverage changes the first of the month following the month in which the change is authorized. Here is an example of how this works for Basic Life Insurance coverage.

​Annual earnings ​$62,950
Adjusted insurable earnings $126,000
​Management Salary Program approved ​October 24, 2014
​Retroactive to ​September 1, 2014
​Coverage Increases ​November 1, 2014
For Long Term Disability coverage, retroactive salary increases affect your benefits only if the increase date falls before you began to receive disability benefits. 

Taking an Authorized Leave of Absence

During paid leave, benefits coverage continues as though you were at work.

On unpaid leave for:

  • illness or disability,
  • maternity, adoption or paternity,
  • education,
  • service with an international organization,
  • relocation of your spouse, or
  • personal reasons.

you have the option to continue the Management Insurance Plan coverage as well as Critical Illness Insurance as long as you pay the required premiums before your leave starts. You can give post-dated cheques or make a lump-sum payment. Should you choose not to continue coverage, you will be subject to a health assessment upon re-enrolment.

If your leave is for:

  • education,
  • relocation of your spouse, or
  • personal reasons

you will have to pay both the employee and employer portion of the required premiums for all the NAV CANADA Benefit Plans you want to maintain beyond the first three months of leave, (please note that the Basic Life Insurance is not optional) as long as you pay the required premiums before your leave starts. You can give post-dated cheques or make a lump-sum payment.

If you become disabled while on leave and have maintained your disability coverage, you would be entitled to short-term disability. Long Term disability benefits would begin following the expiration of short-term disability benefits. If you choose not to continue your Long Term Disability coverage any disability arising during this period will not be eligible for coverage once you return to work.


Change in Marital Status

  • Check the definition of spouse in the glossary section to determine if your new spouse is eligible.
  • Apply to change your Health Care Plan coverage to family, if you had single.
    • You must provide the applicable proof of eligibility to your Management Payroll Advisor. You must update the NAV Employee Self Serve account to show Family Health Care coverage and add your spouse as a dependent.
    • If you apply within 90 days of your marriage, or your change in status with a common-law spouse after one year of cohabitation, coverage takes effect on the date of the change.
    • If you apply more than 90 days later, coverage takes effect the first day of the fourth month after your application is received.
  • Apply to change your Health Care Plan coverage to single, if you had family coverage and you have no other eligible dependents. Your coverage change takes effect no more than 90 days after you update the NAV Employee Self Serve account to show single Health Care coverage. If you have other dependents, you must update the NAV Employee Self Serve account to uncover your spouse from the Health Care and Dental Care plans.
  • Change your designated beneficiary, if you wish and are permitted to do so by law by submitting the applicable form. Updating your dependents for Health and Dental Care coverage in no way changes your beneficiary for life insurance.
  • Enrol in or cancel your Dependent Insurance, if you wish.
  • You can apply to cover your spouse under the Critical Illness Insurance, proof of good health is required for your spouse. 

Adding a Child to your Family

Check the definition of child in the glossary section to determine if your new child is eligible.  

Apply to change your Health Care Plan coverage to family, if you had single coverage:

  • You must provide the applicable proof of eligibility to your Management Payroll Advisor. You must update the NAV Employee Self Serve account to show Family Health Care coverage and to add your child as a dependent.
  • If you apply within 90 days of the arrival of the child, coverage takes effect on the date of the change.
  • If you apply more than 90 days later, coverage takes effect the first day of the fourth month after your application is received.

Change your designated beneficiary, if you wish and are permitted to do so by law, by submitting the applicable form. Updating your dependents for Health and Dental Care coverage in no way changes your beneficiary for life insurance.

Adding a child to your Critical Illness Insurance

  • You can apply to cover your children under the Critical Illness Insurance.
  • You cannot apply for Child Critical Illness coverage until you have children who are living.
  • Either you or your spouse must have Critical Illness coverage in order to obtain coverage for your eligible children.
  • Children may be subject to either the Child moratorium period exclusion or the Pre-existing conditions provision as described in the Critical Illness section. When applicable, the Child moratorium period exclusion and the Pre-existing conditions provision apply to all covered conditions for which the child is covered.
  • For children:
    • who are the children of you or your spouse and are born during the period beginning 90 days prior to the date you become covered for Child Critical Illness and ending 10 months after such date, the Child moratorium period exclusion applies.
    • who are the children of you or your spouse and are born or adopted later than 10 months after the date you become covered for Child Critical Illness, neither the Child moratorium period exclusion or the Pre-existing conditions provision apply.
    • other than those described above, the Pre-existing conditions provision applies unless proof of good health is required for the child's coverage.
  • If you already have a child covered under this plan all new children become automatically enrolled.

 

Child Reaches Age 21

If your child is not attending an accredited school full-time, Health Care and Dental Care coverage ends when he or she reaches age 21. If your child enters a spousal relationship before that date, coverage ends immediately.

If your child depends on you for support because of a psychiatric or physical disability and became disabled before age 21, coverage may continue without age limit. You must complete the Disabled Child Coverage Form and submit to Sun Life Financial for approval prior to your child's 21st birthday to benefit from continued coverage beyond age 21.  

NAV CANADA will only be advised if the application has been approved in order to maintain your child’s coverage. Information related to the diagnosis of your child will not be released to NAV CANADA.

It is your responsibility to cancel your Dependent Insurance coverage. To do so, complete the Management Insurance Plan Application Form. Otherwise, premiums will continue to be deducted until you cancel the coverage or leave NAV CANADA, whichever happens last.

Child Going to/Leaving College or University

Child going to school or university

Coverage continues until age 25 (age 26, for Quebec residents) as long as your child is enrolled in an accredited school full-time and a letter or other confirmation of your child’s enrolment is provided to your Management Payroll Advisor on an annual basis. You must update the NAV Employee Self Serve account to update the Student Status of your child. The Student Status field will need to be updated annually.

For Dependent Insurance, attending school includes time when enrolled but absent from school or university because of vacation or physical impairment, or temporary training outside the school/university.

Child leaving school or university

Coverage ends if your child is older than age 21 and stops attending school full-time.

For Dependent Insurance, attending school includes time when enrolled but absent from school or university because of vacation or physical impairment, or temporary training outside the school/university.

It is your responsibility to cancel your Dependent Insurance coverage. To do so, complete the Management Insurance Plan Application Form. Otherwise, premiums will continue to be deducted until you cancel the coverage or leave NAV CANADA, whichever happens last.

Both Spouses Working at NAV CANADA

​Health Care Plan ​You may both apply for family coverage, and both cover your children. Co-ordination of benefits is permitted.
​Dental Care Plan ​You may both apply for family coverage, and both cover your children. Co-ordination of benefits is permitted.​
​Critical Illness Insurance

You may both insure each other and your children.

​Dependent Insurance

You may both insure each other and your children.

Business Travel Accidental Death and Dismemberment Insurance ​Your spouse and children are covered during relocation and related house-hunting trip.

 

Changing Personal Information

To change your personal information contact your Management Payroll Advisor.

​ 

Published on April 07, 2016