Eligibility

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​Eligibility


Management retirees are eligible to enrol in the NAV CANADA benefit plans, with some exceptions (see below for exceptions):

​While receiving pension
​Compulsory Optional​
Health Care Plan
  • ​Retirees
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  • ​Surviving spouse and children
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​Basic Life Insurance Plan
 
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Post-retirement Life Insurance Plan
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If you are receiving a NAV CANADA pension benefit and you retired from NAV CANADA before September 1, 2005 with at least two years of pension eligibility service you are eligible for:
  • Basic Life Insurance, as long as you apply within 30 days of leaving NAV CANADA,
  • Health Care Plan, from the date your NAV CANADA pension benefit becomes payable, and
  • Post-retirement Life Insurance (Senior Manager Retirees only), within 30 days of leaving NAV CANADA, if you take an immediate pension.
If you are receiving a NAV CANADA pension benefit and you retired from NAV CANADA on or after September 1, 2005 with at least two years of pension eligibility service you are eligible for:
  • Basic Life Insurance, as long as you apply within 30 days of leaving NAV CANADA,
  • Health Care Plan, from the date your NAV CANADA pension benefit becomes payable (only if, when you leave NAV CANADA, you are either eligible for an immediate pension or have 15 years of pension eligibility service), and
  • Post-retirement Life Insurance (Senior Manager Retirees only), within 30 days of leaving NAV CANADA, if you take an immediate pension.
*Enrolment in the Health Care Plan must be received within 90 days of eligibility. Change in plan type from single to family coverage will only be accepted as a result of a new life event (within 90 days of new dependant eligibility). If cancellation of coverage is received, the decision is irrevocable.
Provincial Health Care Plans
All members of the NAV CANADA Health Care Plan who are eligible for Provincial/Territory Health Care (including prescription drug coverage programs/plans) must enroll; making the provincial/territory programs/plans the first payer and NAV CANADA second payer for eligible claims (including prescription drug coverage).
 
Quebec Residents age 65 and over
Under the Régie de l`assurance maladie du Québec (RAMQ) regulations, if a resident over age 65 has access to a private Health Care Plan, they can opt out of RAMQ making the employer the sole payer, but premiums under the plan may be increased as a result.
 
Under the NAV CANADA Health Care Plan the following options are available to Quebec retirees over age 65:
  • Plan A: Member enrols in both RAMQ drug coverage (enrolment to RAMQ is automatic by the province once you reach age 65) and the NAV CANADA Health Care Plan. Premiums are paid to both plans. All drug claims eligible under the RAMQ drug plan would be 1st paid by the province and any eligible balance could be submitted under the NAV CANADA Health Care Plan.
  • Plan B: Member de-enrols from the RAMQ drug coverage and is only covered under the NAV CANADA Health Care Plan. Member pays an additional monthly premium (not subject to current cost-sharing arrangement and paid 100% by the retiree). See Cost/Premiums section for further information.
IMPORTANT NOTE: Once you enrol in Plan A or B your selection will be irrevocable.
Published on February 01, 2016