Industrielle Alliance, Insurance and Financial Services


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Group Insurance



Contract administration


How do I enrol a new member?

How do I change a member's personal information and benefits?

How do I handle late-entrants enrolments?

In the case of a termination, when do benefits cease?

When are premiums due?

How are prorated adjustments calculated?

Whom should I contact if I have questions or concerns?


Definitions


What is meant by “eligibility period"?

What is meant by “non-evidence maximum"?

What is meant by a “late entrant"?


Contract administration


How do I enrol a new member?

To enrol a new member, provide the employee with the Enrolment Request (PDF - 36 KB) form, and have the employee complete the required section and sign the Member Confirmation/Authorization section. As plan administrator, you must complete the first part in full and ensure that the form is signed and submitted to the following address, according to your administrative centre, within 31 days of the employee's eligibility date:

Montreal

Industrial Alliance Insurance and Financial Services
Administration department, Group Insurance
680 Sherbrooke Street West,9th Floor
PO Box 790, Station B
Montreal, Quebec  H3B 3K6

Toronto

Industrial Alliance Insurance and Financial Services
Administration department, Group Insurance
522 University Avenue
Toronto, Ontario M5G 1Y7

 



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How do I change a member's personal information and benefits?

For terminations, salary changes or changes in member categories, you must complete the Notice of Change (PDF - 114 KB) form. It is very important to indicate the effective date of the change.

For name changes, changes of beneficiary, changes in a family situation, or to add dependents, you must complete the Change of Record (PDF - 147 KB) form and return it to the following address, according to your administrative centre:

Montreal

Industrial Alliance Insurance and Financial Services
Administration department, Group Insurance
680 Sherbrooke Street West, 9th Floor
PO Box 790, Station B
Montreal, Quebec  H3B 3K6

Toronto

Industrial Alliance Insurance and Financial Services
Administration department, Group Insurance
522 University Avenue
Toronto, Ontario M5G 1Y7

 



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How do I handle late-entrants enrolments?

If the enrolment request is submitted after the eligibilty period, the coverage on the member, spouse and dependent children is conditional on approval of the evidence of insurability. You must return the Evidence of Insurability (PDF - 109 KB) form duly completed and signed by the member and dependents, if applicable, together with the Enrolment Request (PDF - 36 KB) form and return it to the following address, according to your administrative centre:

Montreal

Industrial Alliance Insurance and Financial Services
Administration department, Group Insurance
680 Sherbrooke Street West, 9th Floor
PO Box 790, Station B
Montreal, Quebec  H3B 3K6

Toronto

Industrial Alliance Insurance and Financial Services
Administration department, Group Insurance
522 University Avenue
Toronto, Ontario M5G 1Y7

Note: Industrial Alliance must receive all the forms and information required before it can approve requests for coverage to late entrants.
However, for Quebec residents, we grant health insurance coverage as of the date of receipt of the Enrolment Request (PDF - 159 KB) form.

 



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In the case of a termination, when do benefits cease?

In the case of a termination, all benefits cease on the member's last day of work. It is therefore important that you indicate the member's last day of work as the termination date.



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When are premiums due?

Industrial Alliance offers you three options for paying your monthly premium: pre-authorized withdrawals (PAW), Internet or cheque.

The table below gives the statement issue dates and the payment due dates for 2013 depending on the payment method you selected. Only plans administered at Industrial Alliance will receive the statements.

 Internet or Cheque

Pre-Authorized
Withdrawal(2)

Billing
Month

Statement
Issue Date

Payment
Due Date(1)

Statement Issue Date

 January

 December 15, 2012

 January 1, 2013

 December 18, 2012

 February

 January 19, 2013

 February 1, 2013

 January 22, 2013

 March

 February 16, 2013

 March 1, 2013

 February 19, 2013

 April

 March 23, 2013

 April 1, 2013

 March 26, 2013

 May

 April 20, 2013

 May 1, 2013

 April 23, 2013

 June

 May 18, 2013

 June 1, 2013

 May 21, 2013

 July

 June 22, 2013

 July 1, 2013

 June 25, 2013

 August

 July 20, 2013

 August 1, 2013

 July 23, 2013

 September

 August 24, 2013

 September 1, 2013

 August 27, 2013

 October

 September 21, 2013

 October 1, 2013

 September 24, 2013

 November

 October 19, 2013

 November 1, 2013

 October 22, 2013

 December

 November 23, 2013

 December 1, 2013

 November 26, 2013

 January

 December 14, 2013

 January 1, 2014

 December 17, 2013

(1)If you opt for Internet or cheque payment methods, premiums are due on the first day of the month after your statement is generated.

(2)If you opt for the pre-authorized withdrawal payment method, premiums will automatically be withdrawn from your bank account on the date you selected on the Policyholder Pre-Authorized Withdrawals (PAW) form (F54-863A).

Important: If the entire premium for your Group Policy is not received by the end of the grace period, you will receive a letter reminding you that your premium payment is overdue. If the entire payment has still not been received within 45 days of the due date, health and dental claim reimbursements for all plan members under the Group Policy will be suspended. 



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How are prorated adjustments calculated?

Prorated adjustments at Industrial Alliance are calculated based on 30 days, regardless of the number of days in the month where the adjustment is effective.

Prorated adjustments are calculated differently in the case of a new member, a termination of member coverage or a change of coverage. Below are examples for each scenario.

1. New Plan Member

Coverage effective July 4, 2013. Processed on the July 2013 bill.

Monthly Health Premium: $125.82
Monthly Dental Premium: $95.29
Monthly Life Premium: $31.80

 How many days do we charge to the  client?

 30 days - 3 days = 27 days

 What is the prorated Health Premium  amount?

 $125.82 / 30 days x 27 days = $113.24

 What is the prorated Dental Premium  amount?

 $95.29 / 30 days x 27 days = $85.76

 What is the prorated Life Premium  amount?

 $31.80 / 30 days x 27 days = $28.62

 What is the total amount to be charged to  the client?

 $113.24 + $85.76 + $28.62 = $227.62

2. Termination of Member Coverage 

Termination effective February 7, 2013. Processed on the March 2013 bill.

Monthly Health Premium: $98.06
Monthly Dental Premium: $129.80

 How many days do we reimburse to the  client?

 30 days - 6 days = 24 days

 What is the prorated Health Premium  amount?

 $98.06 / 30 days x 24 days = $78.45

 What is the prorated Dental Premium  amount?

 $129.80 / 30 days x 24 days = $103.84

 What is the total amount to be reimbursed  to the client?

 $78.45 + $103.84 = $182.29

3. Change of Coverage 

Change of coverage from Single to Family effective June 21, 2013. Processed on the July 2013 bill.

Monthly Health Premium - Single Coverage: $55.76
Monthly Health Premium - Family Coverage: $156.54
Monthly Dental Premium - Single Coverage: $29.48
Monthly Dental Premium - Family Coverage: $73.74

N. B. Since June premium was already paid, the adjustment will only include the difference between the family and the single coverage premium.

 How many days do we charge to the  client?

 30 days - 20 days = 10 days

 What is the prorated Health Premium  amount?

 ($156.54 - $55.76) / 30 days x 10 days =  $33.59

 What is the prorated Dental Premium  amount?

 ($73.74 - $29.48) / 30 days x 10 days =  $14.75

 What is the total amount to be charged to  the client?

 $33.59 + $14.75 = $48.34



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Whom should I contact if I have questions or concerns?

Contact:

Industrial Alliance Insurance and Financial Services
Customer Service, Group Insurance
Toll-free Telephone: 1-877-422-6487
From the Montreal region: (514) 499-3800
From the Toronto region: (416) 585-8921
E-mail: groupinsurance@inalco.com 



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Definitions


What is meant by “eligibility period"?

The eligibility period is the period of time an employee must be employed by you before becoming insured under your group insurance plan.



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What is meant by “non-evidence maximum"?

The non-evidence maximum is the amount of insurance offered to a member without any requirement that the member provide information about his or her state of health. If a member requests a coverage limit in excess of the non-evidence maximum, the member must complete the Evidence of Insurability (PDF - 109 KB) form, and the coverage will only become effective when Industrial Alliance has approved the evidence of insurability.



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What is meant by a “late entrant"?

A late entrant is any employee who does not complete an application for insurance within 31 days of his or her date of eligibility. These employees must be medically approved before they can become insured.



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