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:
Member ​Reaches Age 65
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
 

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.
 
Health Care Plan
Check the definition of retiree in the glossary section to determine if you are an eligible retiree under the Health Care Plan. If you are, you can:
  • continue the coverage you have by contacting your Pension Advisor within 90 days of retirement, or
  • apply within 90 days of retirement, if you were not previously covered.

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 Pension Advisor.

The following rules apply for coverage at retirement for eligible retirees.

If you apply...
Coverage starts on...
Within 90 days of becoming eligible
The date your completed application is received if that is the first day of a month, or the first day of the next month
Within 90 days of acquiring a new spouse and/or children
The date of the change
To join more than 90 days after:
  • becoming eligible, or
  • acquiring a new spouse and/or children
Not applicable - you must apply within 90 days of eligibility. 

Enrolment of 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.

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.

Basic Life Insurance Plan 
If you retire with at least two years of service and take an immediate pension:

You can maintain your coverage if you opt in writing within 31 days of your last day of employment. You will be covered for the same amount as when you retired if you were under age 61.

Your coverage reduces by 10% (of your full coverage in effect on your 61st birthday), on April 1 or October 1 immediately following your 61st birthday and every year after that, until it reaches $5,000. Coverage reduces to $5,000 on the first reduction date after your 70th birthday.

NAV CANADA pays for the first $5,000 of coverage starting at age 65. You pay your share of the remaining coverage if you maintain more than that amount.

You can apply for the reduced coverage of $5,000 anytime; however, you will not be able to increase it later. To take the reduced coverage, complete the Basic Life Insurance Paid-Up Amount Application. You can also cancel anytime and buy an individual policy.

Any required cost is deducted from your pension. If your premiums are higher than your pension amount, you must send post-dated cheques for the required premium in advance to your Pension Advisor.

If you leave NAV CANADA and defer your pension:

You can maintain your coverage if you opt in writing with 31 days of your last day of employment. You must send a written request to your Pension Advisor with a cheque for the first 12-month payment. You will be covered for the same amount as when you left NAV CANADA if you were under age 61.

Your coverage reduces by 10% (of your full coverage in effect on your 61st birthday), on April 1 or October 1 immediately following your 61st birthday and every year after that, until it reaches reduces to $0 at age 70 (the minimum coverage of $5,000 does not apply).

Member Reaches Age 65

Most provincial/territory governments offer health care coverage, including prescription drug coverage, for Senior residents, age 65 years and older. Once eligible for a government plan you must apply/enroll and submit your eligible expenses to the province first and to the NAV CANADA Health Care plan second. Claims that are not submitted to the government plan first may be declined by the NAV CANADA Health Care plan. For government programs that are offered based on income level, Sun Life will request that you provide proof that you applied to the government plan.

Click on your province/territory of residence below for information on Provincial plan eligibility and coverage details:

Alberta

​British Columbia ​Manitoba New Brunswick
Newfoundland and Labrador North West Territories Nova Scotia Nunavut
Ontario Prince Edward Island Saskatchewan Yukon
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.

Change in Marital Status

Check the definition of spouse in the glossary section to determine when 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 Pension Advisor.
    • 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 for your spouse will be declined.
  • 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 the proof of eligibility documents have been approved by your Pension Advisor.
  • Change your designated beneficiary, if you wish and are permitted to do so by law by submitting the applicable form.

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 Pension Advisor.
  • 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 for your child will be declined.
Change your designated beneficiary, if you wish and are permitted to do so by law by submitting the applicable form.

Child Reaches Age 21

If your child is not attending an accredited school full-time, Health 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.


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 Pension Advisor on an annual basis.
 
Child leaving school or university
Coverage ends if your child is older than age 21 and stops attending school full-time.

Both Spouses Covered under the NAV CANADA Health Care Plan

You may both apply for family coverage, and both cover your children. Coordination of benefits is permitted.

Changing Personal Information

To change your personal information contact your Pension Advisor.
 
Published on February 01, 2016