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
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
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.
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.
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.
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
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
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.
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.
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.
Vous pouvez visualiser et imprimer les documents
en format PDF avec le plugiciel Acrobat
Reader.
