To participate in the Health Association Nova Scotia benefits program, you (and your dependents) must meet the eligibility requirements.
Your participation in the benefits program depends on whether you are a permanent or a temporary employee and the number of hours you work per week.
Permanent full-time employees
If you are a permanent full-time employee hired to work at least 40% of a regular work week, you are eligible for all Health Association benefits.
For Long Term Disability coverage, you are eligible if you work at least an average of 28 hours or more every two weeks.
Permanent part-time employees
If you are a permanent part-time employee, hired to work at least 40% of a regular work week, you are eligible for all Health Association benefits.
For Long Term Disability coverage, you are eligible if you are hired to work at least an average of 28 hours or more every two weeks.
If, after you join the LTD Plan, your regularly scheduled hours of work fall below 28 hours bi-weekly, you will continue to be covered.
If you are a permanent employee hired to work less than 40% of a regular work week, but work 28 hours or more bi-weekly in the previous calendar year, you are entitled to LTD coverage on February 1st of the following year.
If you are a temporary employee, hired to work at least 40% of a regular work week for a guaranteed term of 12 months or more, you are eligible for:
- Health coverage
- Dental coverage
- Basic Life Insurance coverage
Your eligible spouse is defined as someone to whom you are married legally or married by common law and have lived together for at least one year. This includes spouses of the same sex.
Your eligible dependent children are defined as natural, adopted, or step-children who are under 21 or under 26 if attending on a full-time basis an accredited learning institute.
To enroll your adopted child in the program for the first time, you must provide your Benefits Administrator with a copy of a court order granting guardianship, or a copy of your income tax return showing the child listed as your dependent.
A child who is incapable of employment due to a mental or physical condition that occurred before reaching the maximum ages noted above is also considered a dependent child. The child must be primarily dependent upon you for maintenance and support. To enroll your disabled dependent in the program for the first time, you must complete and submit the Manulife Application for Overage Disabled Dependent Coverage Questionnaire (Form #55).
If your child is a full-time student at an accredited school, college, or university and between the ages 21 and 26, you will need to notify your Benefits Administrator each year that your child is eligible for coverage. To do so:
Print and complete the Overage Dependent form (Form #56).
Return the completed form to your Benefits Administrator along with proof your child is attending school full-time. This proof could be a letter from the college confirming enrolment, a tuition receipt, or a valid student identification card.
Overage dependent coverage runs from October 1st of one year to September 30th of the following year. If your son or daughter is still under 26 and still going to school, you must follow this procedure each year.
When you become eligible to join the plan, you have 60 days to complete the Application for Group Insurance Benefits and return it to your Benefits Administrator.
- If you wish to apply for more than $50,000 of Optional Life Insurance for yourself and/or your spouse, you will also need to complete and return the Sun Life Financial Statement of Health (Form #5). If you and/or your spouse apply for more than $50,000 of coverage within 60 days of becoming eligible and the application is declined, you and/or your spouse will still be insured for $50,000 under the Plan.
- If you wish to apply for more than $25,000 of Critical Illness coverage for yourself and/or your spouse, you must complete and return the Manulife Evidence of Insurability Form (Form #57) for any amount of Critical Illness coverage for you and/or your spouse greater than $25,000. The insurer must approve your application before coverage takes effect.