Dependent Coverage

Dependent means:

  • Your spouse, legal or common-law.

A common-law spouse is a person who has been living with you in a conjugal relationship for at least 12 months or, if you are a Quebec resident, until the earlier birth or adoption of a child of the relationship.

  • Your unmarried children under age 21, or under age 25 if they are full-time students. Proof of full-time student must be submitted at the beginning of each academic year for coverage to apply.

Note: If you are a Quebec resident, full-time students are covered for prescription drug benefits until age 26.

Children under age 21 are not covered if they are working more than 30 hours a week, unless they are full-time students.

Children who are incapable of supporting themselves because of physical or mental disorder are covered without age limit if the disorder begins before they turn 21, or while they are students under 25, and the disorder has been continuous since that time.

  • You must designate your spouse and children in writing before they can become your dependents under this plan.