Basic Life Insurance
This program is offered through HUB International, Industrial Alliance, and AIG who are leaders in the field of group insurance and related services, and the program is specially designed for the members, their employees, and families!

What you need to know before applying…

The Life Insurance plan is available to members of the Canadian Society of Association Executives (CSAE), their spouses, as well as employees of members and their spouses.

Common Basic Life Insurance plan designs include:

• Life Insurance based on a multiple of salary
• Life Insurance based on a flat amount
• Life Insurance based on Plan Member class

A specific plan can be designed to meet the requirements of each participating group.
Some of the highlights of Basic Life Insurance plans are:

• Custom tailored plans available with generous guaranteed issue amounts
• Coverage can be converted to an individual Life Insurance policy (regardless of health condition) if a Plan Member terminates his or her relationship with the Plan Sponsor

Optional Life Insurance
Each Plan Member may have different life insurance needs above the amount offered for Basic Life Insurance. Optional Life Insurance allows a Plan Member to purchase additional life insurance through payroll deductions. The cost of this coverage is considerably less than to purchase individual insurance outside of a group plan. Medical evidence of insurability is required for this benefit.

Optional Life Insurance is available with the following plan features:

• Coverage can be purchased for both the Plan Member and their spouse (if applicable)
• Coverage is available in units of $10,000 up to a maximum of $250,000
• There are no minimum participation requirements, which is a valuable feature if only a few Plan Members wish to purchase the additional coverage
• If coverage is transferred from an existing group plan, all coverage levels will be matched – with no medical requirements. Proof of coverage with previous insurer will be required

Dependent Life Insurance
While Basic and Optional Life Insurance cover Plan Members, the loss of a spouse or child can also result in unexpected expenses or financial burden. Dependent Group Life Insurance is an affordable benefit option that can provide the financial assistance Plan Members need to help them through this difficult time.

• Coverage is available up to $10,000 for the spouse and $5,000 for each child
• Coverage can be converted for a spouse if Plan Member leaves the organization

Insurance Rates
Rates for the Basic Life Insurance and Dependent Life Insurance are based on the specific demographic features of each insured group.
The volume purchasing arrangement available to you allows for very competitive Life Insurance rates.
Rates for Optional Life Insurance are based on the age and smoking status of the Plan Member and/or spouse. Each rate represents the monthly cost to purchase $10,000 of optional coverage:

Designating a beneficiary

In the event of your death, benefits will be paid to your beneficiary. You may appoint your beneficiary on the Application Form, or change your beneficiary at any time by completing a Change of Beneficiary Form, subject to the law in your province of residence. If you do not appoint a beneficiary, or your named beneficiary predeceases you, benefits will be paid to your estate.

Coverage becomes effective … on the first of the month following the approval of your application.

What you need to know before applying …

The Life Insurance plan is available to members of the Canadian Society of Association Executives  (CSAE), their spouses, as well as employees of members and their spouses. Members and their employees must apply for or have coverage before their spouses can apply. To apply, you must be under age 65 and residing in Canada. Medical evidence of your good health is required when applying for benefits. You must therefore complete the Health Declaration section on the Application Form. If further information is required, you will be notified.

Accidental Death & Dismemberment
This program is offered through AIG. The CSAE Accidental Death & Dismemberment (AD&D) plan provides additional financial protection if you die or are seriously injured due to an accident. The coverage provides you with protection anywhere in the world, 24 hours a day.

Examples of covered losses include:

• Life
• Both hands or both feet
• Sight of both eyes
• One hand and one foot
• One hand or one foot and sight of one eye
• One arm or one leg
• Sight of one eye
• Thumb and index finger of one hand
• Speech or hearing in both ears
• Hearing in one ear
• Use of both arms, both hands or both legs
• Use of one arm or one leg
• Use of one hand or one foot
  - After 365 days of continuous paralysis
  - Quadriplegia (Total paralysis of upper and lowers limbs)
  - Paraplegia (Total paralysis of both lower limbs)
  - Hemiplegia (Total paralysis of one side of body)
  
  

Optional Accidental Death & Dismemberment (AD&D) Insurance
Similar to Optional Life Insurance, Optional AD&D Insurance can be purchased by a Plan Member through payroll deduction. Optional AD&D provides another means to protect against the financial hardship caused by a severe accident.

Optional AD&D Insurance is available with the following features:

• Coverage can be purchased for the Plan Member, or as a family plan
• Under the family plan the spouse is insured for 50% of the Plan Member’s amount and each child is insured for 10%. If there are no children the spouse is insured for 60%.
• If there is no spouse each child is insured for 15% of the Plan Member’s amount
• Coverage is available in units of $25,000 up to a maximum of $250,000
• There are no minimum participation requirements
• Evidence of insurability may be required
• Coverage terminates at age 70, or retirement

Optional Accidental Death & Dismemberment (AD&D) Insurance Rates

A flat, competitive rate for optional AD&D Insurance is available to all member groups.

Designating a beneficiary

In the event of your death, benefits will be paid to your beneficiary. You may appoint your beneficiary on the Application Form, or change your beneficiary at any time by completing a Change of Beneficiary Form, subject to the law in your province of residence. If you do not appoint a beneficiary, or your named beneficiary predeceases you, benefits will be paid to your estate.

What you need to know before applying …

The AD&D plan is available to members of the Canadian Society of Association Executives (CSAE), their spouses, as well as employees of members and their spouses. Members and their employees must apply for or have coverage before their spouses can apply. To apply, you must be under age 65 and residing in Canada.

Short Term Disability or Weekly Indemnity insurance, as it is often called, provides Plan Members with protection against short term loss of income due to injury or illness. Your group plan offers Short Term Disability insurance at affordable group rates.

Short Term Disability Insurance can be formulated to match the needs of each participating member Group. Some of the more common features of a Short Term Disability program include:

• Benefit payments begin on the 1st day of disability for accident or 8th day for sickness
• Maximum benefit duration is typically 17 weeks or 26 weeks
• Benefit amounts typically range from 60-70% of weekly income

Long Term Disability
This program is designed to protect your single most valuable asset – your ability to earn an income. And if you pay for this coverage with after-tax dollars, any benefits you receive are tax free!

Participating groups can design their own Long Term Disability plan and determine the level of income replacement offered to Plan Members. Benefits typically commence after 17 weeks of disability, or at the expiration of the Short Term Disability plan, where applicable.

LTD Benefit Tax Status...

• Tax status of the LTD benefit is determined by whoever pays the premium.
• If the Plan Member pays 100% of the premium, the benefit is considered non-taxable since it does not attract income tax if they become disabled.
• When the plan sponsor pays the premium (or any portion of the premium) the benefit is taxable when collected.
• LTD premium pricing may vary in accordance to taxability status.

Common features of the Long Term Disability program include:

• Continuation of benefits until age 65 or earlier recovery
• Flexibility in plan design
• Generous overall monthly maximum benefits
• Worker’s Compensation, no-fault auto insurance, group retirement or pension plan and primary CPP/QPP benefits are direct offsets

Long Term Disability Insurance Rates...

The premium rate for Long Term Disability Insurance considers both the demographic and financial results of the entire LTD pool and your individual group.

By joining the Long Term Disability program, member organizations are able to obtain cost-effective, flexible protection for their Plan Members.

What you need to know before applying...

This plan is available to Canadian Society of Association Executives (CSAE) members and their employees. To apply, you must be under age 65, working full time (at least 15 hours per week) and residing in Canada.

Medical evidence of good health is required when applying for benefits above your group plan’s non evidence maximum for Long Term Disability. You must therefore complete the Evidence of Good Health section on the Application Form. If more information is needed, you will be notified. Coverage becomes effective on the first of the month following the approval of your application.

The Health & Dental program is offered through HUB International and Green Shield Canada who are leaders in the field of group insurance and related services. And it’s specially designed for members, their employees and families!

EXTENDED HEALTH CARE

Flexible plan designs ...

This Health plan has been designed to begin where your provincial health care plan ends. Your provincial plan provides basic benefits but as the cost of drugs and other medical expenses continues to rise, the government plans are limiting the amount of expenses they cover. This plan will cover much of your additional medical expenses.
Comprehensive Health Insurance is an important part of any benefits package. Participating groups are able to provide their Plan Members with quality Health Insurance with flexible plan designs.

Available features of the program include:

• Hospital accommodation at the semi-private or private level
• Prescription Drug coverage
• Vision Care
• Paramedical Practitioner coverage
• Out-of-Country Travel Insurance and Assistance

Health Insurance Rates...

Rates for Health Insurance will vary based on the amount of coverage provided and any cost sharing features that are introduced. The program allows for a variety of combinations of benefit levels, deductibles, dispensing fee or coinsurance levels in order to meet the needs of each group depending on the size of your organization.

The flexibility of the program in combination with the volume-purchasing arrangement creates Health Insurance rates that are affordable for any size group.

DENTAL SERVICES (Optional with Extended Health Care)

Dental benefits are one of the most desired and valued benefits available to Plan Members.

The program offers dental care based on a 'building block' approach:

• Basic and Preventative Plan. This includes regular dental check-ups, cleanings, extractions and fillings. Endodontic treatment (root canal) and periodontal treatment (gum disease) can be covered at the basic level as well
• Major Restorative Care may be added; this covers crowns and bridgework
• Orthodontic coverage is available

Dental Insurance Rates

Plans can be designed with various deductibles or levels of coinsurance. Annual maximums can also be placed on different coverage levels.

Groups can design a plan to include:

• Coinsurance for Major Restorative and Orthodontic Care
• Annual maximum for Major Restorative Care
• Annual deductible for Dental Insurance

Each plan design feature will create different pricing options for each member group. The program allows for high quality dental coverage at an affordable cost.

Survivor Benefit

In the event of your death while insured for these benefits, your spouse and/or dependent children will remain insured for health/dental coverage for up to 2 years from the date of your death.

WHAT YOU NEED TO KNOW BEFORE APPLYING FOR COVERAGE...

The following benefits are available to members of the Canadian Society of Association Executives  (CSAE), their employees, and registered students. Applicants must be under age 70, reside in Canada, and be covered by their provincial health care plan.

Important...

Health & Dental coverage is available on a Single, Couple or Family basis

• Your spouse and dependent children are also eligible.
• A spouse is a person who is married to or cohabits with you and who is publicly presented as your spouse, resides in Canada and is under the age of 70.
• Your dependent children must be unmarried and dependent on you for financial purposes and be under the age of 21 or under the age of 25 if a full-time student.

Coverage becomes effective on the first of the month following the approval of your application.

Coverage ends when ...

•  you reach retirement or age 70;
• you cease to be a member of CSAE or an employee of a member;
• premiums are not paid; or
• this plan is cancelled

What’s The Cost?

 Monthly Rates are based on the specific demographic features of each insured group, age band, single or family coverage and benefit plan design. The volume purchasing arrangement available to you allows for very competitive rates. Premium rates are subject to change upon your renewal date.

Premiums are payable in advance on a monthly basis. You may pay using pre-authorized bank deduction, credit card, or by cheque. Rates shown do not include provincial sales tax, where applicable. Rates are reviewed on a yearly basis. You will be advised in advance of any necessary rate changes.

Contact us for free, no obligation quote at NAT.businesssolutions@hubinternational.com

Next Steps

Step 1 New groups can contact us for free, no obligation quote at NAT.businesssolutions@hubinternational.com

Step 2 You will receive a group insurance quotation from HUB International and all material required to apply.

Step 3 Complete the application for Insurance material.

Step 4 Each employee completes a one page Employee Enrolment form and to select the level of coverage required, and an “Evidence of Insurability” form.

Step 5 Send all completed application forms to NAT.businesssolutions@hubinternational.com

WHAT YOU NEED TO KNOW BEFORE APPLYING FOR COVERAGE...

The following benefits are available to members of the Canadian Society of Association Executives  (CSAE), their employees, and registered students. Applicants must be under age 70, reside in Canada, and be covered by their provincial health care plan.

Important...

Health & Dental coverage is available on a Single or Family basis.

• Your spouse and dependent children are also eligible.
• A spouse is a person who is married to or cohabits with you and who is publicly presented as your spouse, resides in Canada and is under the age of 70.
• Your dependent children must be unmarried and dependent on you for financial purposes and be under the age of 21 or under the age of 25 if a full-time student.

Coverage becomes effective on the first of the month following the approval of your application.

Coverage ends when ...

• You reach retirement or age 70;
• you cease to be a member of CSAE or an employee of a member;
• premiums are not paid; or
• this plan is cancelled

What’s The Cost?

Monthly Rates are based on the specific demographic features, age band, province, smoking status single or family coverage and selected plan option. The volume purchasing arrangement available to you allows for very competitive rates. Premium rates are subject to change upon your renewal date.

Premiums are payable in advance on a monthly basis. You may pay using pre-authorized bank deduction, credit card, or by cheque. Rates shown do not include provincial sales tax, where applicable. Rates are reviewed on a yearly basis. You will be advised in advance of any necessary rate changes.

Applying For Coverage

Follow these steps to apply for coverage under the CSAE group insurance program:

Step 1 Complete the “CSAE Group Insurance Quotation”

Step 2 You will receive a group insurance quotation from HUB International and all material required to apply.

Step 3 The employer completes a one page “Application for Group Coverage” form to select a plan design for the group.

Step 4 Each employee completes a one page Employee Enrolment form and to select the level of coverage required, and an “Evidence of Insurability” form.

Step 5 Send all completed application forms to NAT.businesssolutions@hubinternational.com

All insurance is subject to medical underwriting by the insurer, and does not take effect until you are notified of approval. Contact us for free, no obligation quote at NAT.businesssolutions@hubinternational.com

The group insurance program is underwritten by Industrial Alliance for Life, Long Term Disability and Weekly Indemnity, AIG for Accidental Death & Dismemberment and Green Shield Canada for Extended Health and Dental benefits. An Employee Family Assistance program (EFAP) is provided by HUB International and is also included as part of the Extended Health benefit.

The group benefits plan is designed on a building-block approach. Each employer can choose the plan which is best suited to the needs of its staff. Options are as follows:

• Plan 1 includes Life insurance, Accidental Death & Dismemberment insurance and Long Term Disability insurance.
• Plan 2 includes everything in Plan 1 plus Extended Health Care benefits.
• Plan 3 includes everything in Plan 2 plus Dental Care benefits.
• Plan 4 includes everything in Plan 3 plus Short Term Disability insurance.

BENEFIT SUMMARY

BASIC LIFE INSURANCE AND BASIC ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) INSURANCE

• Pays 200% of annual salary in the event of death, to a maximum benefit of $200,000
• BASIC ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) INSURANCE
• Pays an additional 200% of annual salary, to a maximum benefit of $200,000
• AD&D covers both occupational and non-occupational accidents
• AD&D pays a portion of the death benefit for dismemberment or paralysis due to an accident

OPTIONAL LIFE AND AD&D INSURANCE

• Basic insurance can be increased in units of $25,000 to a maximum additional benefit of $250,000
• Can be purchased for the employee, spouse, or both. Premiums are paid through payroll deduction

LONG TERM DISABILITY INSURANCE

• Pays 66.7% of monthly salary to a maximum benefit of $5,000 per month
• Benefits start on the 120th day of continuous disability and continue to age 65
• Payments offset by workers’ compensation and disability benefits under CPP or QPP

LTD Benefit Tax Status...

• Tax status of the LTD benefit is determined by whoever pays the premium.
• If the Plan Member pays 100% of the premium, the benefit is considered non-taxable since it does not attract income tax if they become disabled.
• When the plan sponsor pays the premium (or any portion of the premium) the benefit is taxable when collected.
• Note: Tax Status will effect LTD benefit premium pricing

EXTENDED HEALTH BENEFITS (included in plans 2, 3 & 4 only)

• There is no deductible for this benefit
• Unlimited overall maximum for all health benefits (other than out-of-country expenses)
• Each employee can choose single, couple or family coverage or waive coverage if there is comparable coverage under a spouse’s plan
• Medical Services and Supplies
  100% coverage for services of paramedical practitioners, up to $500 per practitioner per calendar year
  100% coverage for hearing aids, up to $500 per lifetime per person
  100% coverage for eye glasses or contact lenses, up to $100 every 24 months
• Drug Coverage
  80% coverage for prescription drugs, including oral contraceptives
• Hospital Accommodation
  100% coverage for semi-private hospital accommodation in Canada
• Out-of-Country Coverage
  100% coverage for emergency out-of-country medical costs, up to a calendar year maximum of $1,000,000
• Employee Family Assistance Program (EFAP)
  Access to qualified professionals that provide counseling and resources for support when individuals have personal family or work-related concerns

DENTAL BENEFITS (included in plans 3 & 4 only)

• All dental benefits are limited to a combined maximum of $1,250 per covered person per calendar year
• Benefits based on the current Provincial dental association fee guide and there is no deductible
• Each employee can choose single, couple or family coverage, or can waive this coverage if there is comparable coverage under a spouse’s plan

Dental Services Include:

• 100% coverage for basic dental services such as check-ups, x-rays, fillings and basic dental surgery
• 100% coverage for comprehensive basic services including endodontic & periodontic services
• 50% coverage for major restorative services, including dentures, denture repairs, crowns, and bridgework

WEEKLY INDEMNITY INSURANCE

• Benefit amount is 66.7% of weekly earnings to a maximum benefit equal to the current EI maximum
• Benefits start on the 15th day of continuous disability and continues for up to 15 weeks
• Payments are offset by workers’ compensation, EI, and CPP or QPP

Eligibility Rules: who qualifies and when?
To be eligible, a plan member must:

• Be a CSAE member or an employee of a CSAE member;
• Be "actively at work" when he or she becomes eligible for coverage;
• Be a resident of Canada; and
• Not have attained the age of 70 upon receiving application for insurance.

Coverage begins the first day of the month following the date of the approval. Premiums become payable on the first of the month coincident with or the next month following the effective date. For example, if the plan member's coverage is effective February 10, premiums for the new coverage start on March 1. If the plan member's coverage was effective February 1, then both the eligibility date and premium payments would begin on February 1.

Eligibility Medical Evidence Requirements
Groups with fewer than 4 employees or less:

All new members need to submit a medical questionnaire with their application and be medically approved by the insurer;

Groups with 5 employees or greater:

Only require Medical Evidence for Optional Life or those Late Applicants applying 31 days after their eligibility cut off period

Additional Provisions
A plan member may cover only one spouse at a time:

• A legal spouse
• A common-law spouse: a common-law spouse is eligible for coverage under this agreement when living together in a conjugal relationship with the plan member continuously for a period of not less than one year

Eligibility of Dependent Children

• Dependent children are eligible for coverage as defined in master policy up to their 21st birthday provided they are not married (or living in a common law relationship) and they are financially dependent on the plan member or the plan member's spouse OR...
• Up to 25th birthday if enrolled and in full-time attendance at an accredited college or university (student up to age 26 in province of Quebec)
• Children over 21 years of age if they are considered dependent upon the covered plan member by reason of a mental or physical disability (Note: If a dependent child becomes mentally or physical disabled at a later date, please contact HUB International for more information).
• Dependent children are automatically terminated upon reaching the age restrictions outlined in the benefit summary pages of the provision.

Over-Age Dependent Children - Student

• Over-age dependent children are eligible for benefits provided he or she is attending a recognized school, college or university on a full-time basis.
• Full-time attendance means more than ten hours of classroom instruction per week.

Survivor Benefits

The plan allows for the Spouse and Dependents already covered to maintain the protection after the death of the plan member. This coverage will be continued without payment of premium but terminates on the earliest of the following circumstances:

• Upon the termination of the Master Policy; or
• Upon the completion of 24 months from the date of the plan member's death; or
• Upon ceasing to be an eligible Dependent for any reason other than there not being an eligible Insured Member or Insured Employee living.

Note: Request for Survivorship should be indicated at the time the death claim is submitted to HUB International at NAT.businesssolutions@hubinternational.com.

The billing administration is performed by HUB International.

Each group will receive an invoice for the benefits during the month prior to the coverage month.
For example, invoices for July's coverage will be mailed in late June. Payment is due on the 1st of the month for that coverage month. All cheques for monthly premiums must be made payable to "HUB International Ltd., In Trust".

Note: All cheques must accompany bottom half of billing invoice stub.

All additions, changes, and terminations must be made on the Plan Member Enrolment Form or the Notice of Change Form, as applicable.
To ensure that Plan Member changes are reflected on your next monthly premium statement, please provide notification to HUB International prior to the 12th of the month. The forms may either be emailed to NAT.businesssolutions@hubinternational.com or faxed to 1-877-494-0109.
Changes received after the 12th of the month will be reflected on the following month's premium statement.

Premiums become payable on the first of the month coincident with or the next month following the effective date. For example, if the Plan Member's effective date is February 10th, the Plan Member becomes eligible to submit claims on the 10th but premium payments do not start until March 1st. If the Plan Member's effective date is February 1st (rather than February 10th) then the eligibility date would be February 1st and premium payments would also start on February 1st.

CSAE Members and Their Employees

The applicant must complete the appropriate application for group coverage in order to enroll in benefits offered under the CSAE group benefit plan.

1. Applicant completes all relevant sections of the Application for Insurance.

2. a) Small Groups 1-4

Existing small groups can send the original application along with any supporting documents to HUB International to the following NAT.businesssolutions@hubinternational.com or fax to 1-877-494-0109.

2 b) Large Groups 5+

CSAE clients should retain the original copy of enrolment forms for the beneficiary information. Send a copy of enrolment form to the following csc@morneaushepell.com or fax to 1-877-494-0109.
3. Be sure to include a blank cheque marked "VOID" if you will be paying by pre-authorized bank withdrawals along with a PAD Agreement form.

4. Both Small Group applicants and Large Group late applicants, seeking additional Optional Life or coverage beyond Life, LTD non evidence maximum may receive a letter advising you of Industrial Alliance's decision (approval or declination) or of any additional requirements.

5. Once approved, the new coverage will be added to your premium statement by HUB International and a confirmation of insurance and its provisions will be provided.

Extended Health Claims

1. Green Shield Canada has a Claim for Extended Health Benefits form for all health claims (e.g., prescription drugs, paramedical practitioners, supplies, etc.) Claims can also be submitted electronically with Green Shield Canada at www.greenshield.ca/en-ca/plan-members/how-to-submit-a-claim.

2. This form must be completed and signed by the plan member

3. Attach original receipts when submitting a claim (photocopies are not accepted)

4. Submit claims directly to Green Shield Canada

Note: For orthotics and certain paramedical practitioners, an authorization from a physician is required – please refer to your policy contract provisions for additional details.

Out of Country Claims

1. Green Shield Canada provides an Out-of-Country Claims Form for all out-of-Province/Country claims (excluding prescription drugs claims--please contact HUB International to obtain a claim form)

2. This form must be completed and signed by the plan member

3. Attach original receipts/bills accompanied with payment/denial by the provincial medical program when submitting a claim

4. Submit claims with supporting documents directly to Green Shield Canada
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Dental Claims

1. Dental claims are submitted using Green Shield Canada's Claim for Dental Benefits Form (a standard dental claim form available at most dental offices may also be used)

2. This form must be completed and signed by the plan member

3. Attach original receipts when submitting a claim (photocopies are not accepted)

4. Submit claims directly to Green Shield Canada

Note: For any extensive course of treatment involving crowns, bridgework, etc., which may exceed $500, it is recommended the employee ask the dentist to complete a cost estimate before the work is completed. Send estimates to Green Shield Canada, attention of Dental Claims Department, to determine how the expenses will be reimbursed prior to incurring the expense.

Disability Claims

Long Term Disability

In case of a disability due to sickness or injury, Industrial Alliance must be notified within 30 days of the commencement of the disability, and you should complete all required sections of the Disability Claim package. The Long Term Disability form is available from HUB International online. To ensure timely claim processing, all forms/sections contained in the package must be completed.

If the plan member is eligible for WSIB benefits, the plan member will receive a Worker's Compensation claim form from their physician. Once completed by the appropriate individuals, mail all sections of the Disability Claim package to Industrial Alliance Affinity Markets directly.

Life Accidental Death Insurance Claims

In the event of the death of an insured plan member or spouse, the claimant should call HUB International at 1-(877) 464-0109.

Note: Upon approval of a claim, the claim settlement cheque is sent directly to the beneficiary – the services of a lawyer are not usually required in submitting a claim for death benefits. If the beneficiary is the estate, Industrial Alliance Affinity Markets will require a notarized copy of the Will and the certificate of appointment of Estate Trustee.

Accidental Dismemberment Claims

In the event of the accidental dismemberment claim for an insured plan member or spouse, the claimant should call HUB International at 1-(877) 464-0109.

Note: Settlement of accidental dismemberment claims will be sent directly to the claimant.

Adding or Deleting Dependents

1. Plan Administrator completes the “Reason for Completion” box and Part 1 of the Notice of Change Form by indicating the Plan Member's identification number, name, effective date of change etc.
2. Plan Member completes applicable information in Section B of the Notice of Change Form.
3. Fax a copy of this form to your nearest HUB International office.
4. Retain the original for your files.

Terminating Employment

1. Plan Administrator completes Notice of Change Form
2. Email this form to csc@morneaushepell.com or fax to 1-877-494-0109.
3. Retain the original for your files. We recommend that you keep the application for a period of one year following the termination date
   Ensure the Plan Member's pay-direct drug/id card is terminated as of effective date.

Becoming a member

Q: How do I become a member of the CSAE?
A: CSAE Executive groups are eligible for membership. Interested Executives’ should contact the Canadian Society of Association Executives (CSAE) for further details.

Q: How do I become eligible for participation in the CSAE Group Insurance Program?
A: Participation in the CSAE Group Insurance Program is an exclusive membership privilege offered by CSAE.  Interested CSAE members or prospective members should contact HUB International.

Q: How does a volume purchasing program work to get discounted rates?
A: Individual members looking for insurance are grouped together under the same umbrella. Instead of applying for individual insurance where the rates are adjusted based on personal claims, we purchase insurance for the group as a whole. Insurance companies give the association volume purchasing discounts. The block of business and the rates are adjusted according to the entire pool’s experience.

Billing

Q: When is my premium payment due?
A: Payment is due the first business day of the billing month (i.e. January 1 for January). Most invoices are mailed weeks prior to the due date.

Q: How and when do the rates change?
A: During an annual renewal of the plan, the insurance company examines the entire pool’s claims experience and other external factors such as inflation. They then determine the rate changes needed to support the claims in the coming year. We do negotiate these renewals on your behalf to ensure that they are remaining as competitive as possible. Rates also factor in age, family status, smoking status, and province of residence.

Q: When are notices of employee changes due?
A: To ensure that employee coverage changes (e.g., new hires, terminations, etc...) are added to your next premium statement, notify HUB International , using the Group Insurance Change Form, prior to the 12th of the month.

Q: Is it required that I adjust my monthly premium payment to reflect the changes I am submitting?
A: No. You can submit changes without adjusting the premium amount due. Your next invoice will indicate the credit or the back charges for the changes submitted.

Q: I have a new hire who needs to be added to the plan. Do I send the enrolment application with my premium?
a) Existing client application for CSAE Small groups should be emailed to csc@morneaushepell.com or faxed to 1-877-494-0109.
b: Large should be e-mailed or faxed as above.
c: New Business should be mailed

Q: Is there a waiting period that must be satisfied before new employees can be added to the group plan?
A: Most plans have 3 month waiting period (Small and large) for ALL benefits.

Eligibility

Q: Do all of my eligible employees have to enroll in the health insurance plan?
A: Yes, however employees who have Health and/or Dental coverage through a spouse can opt out of their coverage.

Q: When does my coverage become effective?
A: It can take up to 4-6 weeks in total from beginning to end. This depends on your application and if the insurance company requires any additional information from you. We can keep you posted on the status of your application. The effective date of coverage is usually the 1st of the month following your approval date.

Application Process

Q: Do I have to do a physical to obtain this coverage? Am I going to be declined because I have certain health issues such as...?
A: For groups that require medical evidence, it is ultimately up to the insurance company to approve or decline coverage. They consider your answers to the health and/or financial questions in your application and the coverage that you are applying for. They sometimes require additional health information from you, i.e. blood/urine tests, and will advise you if they require them. Generally they look at height/weight, past medical history, and other medical conditions. If you are approved for coverage, the insurer will make that determination and advise you in writing.

Q: Are pre-existing conditions covered under this plan?
A: Your contract of insurance will state how any pre-existing conditions will be handled.

General Questions

Q: What is HUB International's role in all of this?
A: We are consultants who locate the best products to suit your needs as well as ensure the financial competitiveness of your programs. We are also the Third-Party Administrators (TPA) who manage and run all of the administration required of a group insurance program. We do not, however, insure the program (pay the claims) but rather work with various insurance companies on your behalf.

Q: I've seen cheaper plans out there for the same benefits. Can you match or better the rates? How do you compare to another plan out there?
A: No doubt, there can always be a cheaper plan somewhere. You really have to take a close look at the comprehensiveness of the plan and any other limitations and requirements of obtaining that coverage.  Make sure you are comparing apples to apples.

Most of the brokers/companies advertise rates on the best possible scenario. For example:  a young applicant with no health issues, but that rate changes significantly once you actually sign up for the coverage and submit actual health information.  

You can sometimes see large discounts in the first year only to have your rates increase at the first renewal. You should always consider the outliers as suspicious and see if you can get extended rate guarantees beyond a year if the rates seem out of step with the rest of the marketplace.

Unfortunately, we cannot negotiate our rates at this time as these are group insurance rates set for the year for this association plan.

Q: Is there a penalty to cancel my coverage at any time
A: No, there is no penalty as long as we receive a written notification requesting cancellation of coverage at least 31 days in advance of a premium due date.

Q: Can I reinstate my coverage after I've cancelled it for a few months/years. Can I reinstate my coverage after I've cancelled it for a few months/years?
A: You would have to reapply and possibly go through medical underwriting again.

Q: Does my coverage continue once I retire? If not, what do I do?
A: Your contract defines the termination date of your benefits. If you require further information, please do not hesitate to contact HUB International.

Q: If I get disabled due to a car accident for example, am I covered?
A: Your disability claims are adjudicated on a case by case basis. You must meet the definition of disability (as per the contract) and remain under the care of a physician.

In an effort to continually improve the glossary, we welcome all suggestions. If you need help with a particular word and cannot find it in the glossary, please let us know

A

• Accidental Death & Dismemberment - A lump sum payment if the insured dies as a result of an accident or loses eyesight, hearing, or appendages (i.e. arms, legs, feet and hands).
• Acupuncture - Services provided within their specialty by acupuncturists authorized to practice acupuncture in Canada or in the province where the services are provided.
• Administrator - Individual or company responsible for administering the group insurance contract including the accounting and enrollment.
• Adverse Selection - Persons poorer-than-average health (or health expectations) tend to apply for greater insurance coverage than do persons in average or better health.
• Age Reduction - A reduction in the amount of insurance when a person reaches a certain age. See Termination age
• Aggregate - When referring to a family deductible or out-of-pocket maximum, aggregate implies that the family charges may total up to the maximum, as long as one member-  meets the individual amount.
• Allowable Expense - Any claims that meet the criteria of the insurance policy which you are covered by.
• Annual Maximum - The maximum amount any one individual may receive, per year, under an insurance contract.
• Anti-selection - The selection of coverage beneficial to the employee but not beneficial to the plan itself.
• Association Group Plans Health - plans designed for members of an association.
• Audiology - Services provided within their specialty by audiologists authorized to practice audiology in Canada or in the province where the services are provided.

B

• Basic Life Coverage The base (core) life insurance plan, offered either as a lump sum or in multiples of salary. If desired, additional life coverage can be added to Basic Life to increase the coverage: see Optional Life Coverage.
• Beneficiary The person designated by the insured to receive Group Life and/or Accidental Death Benefits upon the death of the insured.
• Benefit The amount payable by the insurance company to the holder, assignee or beneficiary of the insurance policy when a loss covered by the policy occurs.

C

• Canada Pension Plan (CPP) - Government plan that pays a monthly pension to eligible individuals. See Offsets.
• Carrier - The insurer who agrees to underwrite the group contract and provide certain types of coverage and service.
• Child, Handicapped - Specific provision in contract for the continuing coverage of dependent child regardless of age, if handicapped and unable to provide for themselves.
• Chiropractic - Services provided by a member the Canadian Chiropractic Association or an affiliated provincial association.
• Claim - A demand by the insured person to the insurer for the payment of benefits. See Notice and Proof of Claim.
• Claimant - A plan beneficiary exercising his/her right to receive benefits.
• Claims Paid - Cheques paid out to claimants by the insurance company. The checks are considered Paid Claims if they either are dated within the policy year or are cleared by the banks within the policy year.
• Class - A categorical listing of insurance coverage which an individual is placed into to determine eligible coverage under the policy.
• Co-ordination of Benefits - A policy which will determine how benefits will be calculated if the claimant is insured under several group contracts insuring the same event.
• Coinsurance - The insured and the insurer share the cost of the claim within a specified ratio. For example, the insurer pays 80%, the insured pays 20% of the claim expense. The amount paid by the Insurer is the Coinsurance, and the amount paid by the Insured is the co-pay.
• Common-Law Marriage - Two persons who have been cohabiting and residing with each other for a continuous period of at least one year, and who’s spousal relationship has been publicly recognized.
• Consumer Price Index - Price index produced by Statistics Canada that measures the percentage variation over time of the cost of purchasing a specific list of goods.
• Consultant - A person or firm specializing in the design, sale and service of employee benefit plans.
• Contributory - A portion of the premium paid by the employee is required.
• Contributory Plan - A plan which requires employees to pay part of the cost for the benefit plan.
• Convalescent Hospital - Facility that provides rehabilitative care and is eligible under the provincial hospital insurance legislation.
• Conversion - The individual has the right to convert group insurance coverage to an individual plan without presenting evidence of insurability if converted within 31 days of termination.
• Coverage - A classification of benefits provided under a group policy or the amount of insurance or benefits stated in the group policy for which an insured is eligible.

D

• Deductible - An amount of expenses that must be paid by the insured before any benefits become payable.
• Definition of Disability - See Permanent and Total Disability and Two Year Own Occupation.
• Dependent - The employee's spouse or children.
• Dependent Life - Life Insurance issued for the spouse and children with the employee as the beneficiary.

E

• Effective Date - The date a policy becomes effective. If the hour is not specified, the effective time is 12:01 a.m. on the appropriate date.
• Eligible Employees - Employees who have met the requirements under the group policy for insurance.
• Employee Benefit Program - A program through which various benefits are offered to employees by their employer to cover such contingencies as medical expenses, disability income, retirement and death; usually paid for wholly or in part by the employer. Such benefits frequently are referred to as "fringe benefits" because they are separate from wages and salaries.
• Evidence of Insurability - Proof presented through written statements on an application form, and/or through a medical examination, that an individual is eligible for a certain type of insurance coverage.
• EOB - Once a claim has been processed, the subscriber will receive an Explanation Of Benefits statement. The following information is detailed on the EOB actual charges, allowed charges, deductible and coinsurance amounts, total benefits payable and the claimant responsibility

F

• Family - Two spouses who are legally married or living common-law, or one or two adults (legally married or living common-law) and their dependent children.

G

• Group Insurance - Insurance issued, usually without medical examination, on a group of people under a master contract. It is usually issued to an employer for the benefit of employees. The individual members of the group hold certificates as evidence of their insurance.
• Group Insurance Change Form - A form used to submit additions, changes and terminations for processing by the premium administrators.
• Group Life - Insurance covering a group of employees under one life insurance policy.
• Guaranteed Issue - Maximum amount of benefit that will be provided without the need for evidence of insurability.

H

I

• Insured - The member who is covered by the policy.
• Insurer - The insurance carrier who agrees to underwrite the group contract and provide certain types of coverage and service.
• Indemnity Plan - Plan which restores or reimburses one to the extent of their loss.

J

K

L

• LTD - Long Term Disability insurance provides income protection in the event of time lost due to sickness or accident of long term nature. Generally monthly payments commence after a specified waiting period and continue while the employee remains disabled usually up to a specified age. See Definition of Disability, Permanent and Total Disability, Period of Disability, Two Year Own Occupation and Offsets.

M

• Massage Therapy - Services provided within their specialty by individuals authorized by a recognized provincial association to practice massage therapy. (Where such an association does not exist, individuals who, in the insurer’s opinion, have similar qualifications.)
• Maximum Benefit - The maximum amount any one individual may receive under an insurance contract. See Annual Maximum.

N

• Naturopathy - Services provided within their specialty by members of the Canadian Naturopathic Association or an affiliated provincial association.
• Non-Evidence Maximum (NEM) - The maximum amount of insurance coverage one may receive before Evidence of Insurability is required.
• Notice and Proof of Claim - The policy will specify time limits for giving notice, and then proof of claim. It also specifies the manner in which the proof of loss must be submitted.
• Nursing Home - Facility housing (elderly) individuals who, due to a reduction in their physical or psychological autonomy, must live in a sheltered environment.

O

• Occupational Therapy - Services provided within their specialty by occupational therapists authorized to practice occupational therapy in Canada or in the province where the services are provided.
• Offsets - Reductions to one’s Long Term Disability benefit in order to offset other sources of income such as Worker’s Compensation, CPP, QPP, etc.
• Old Age Security (OAS) - A federal retirement income program providing pension benefits to those 65 or older, with residence in Canada for at least 10 years.
• Optional Life Coverage - Option to purchase additional life insurance over and above Basic or core life insurance coverage. Optional Life frequently requires applicants to provide additional personal information. See Evidence of Insurability.
• Orthotherapy- Services provided within their specialty by orthotherapists authorized to practice orthotherapy in Canada or in the province where the services are provided.
• Osteopathy - Services provided within their specialty by holders of a doctorate in osteopathy conferred by a college of osteopathy approved by the Canadian Osteopathic Association.
• Out-of-Country Expenses - Expenses incurred by an insured or insured dependent for emergency services and treatment of bodily injury or disease while travelling outside Canada.
• Out-of-Pocket Expenses - Those medical expenses which an insured is required to pay because they are not covered under the group contract.
• Out-of-Pocket Maximum - The maximum amount of coinsurance an insured is required to pay before the plan will pay 100% .
• Over-the-Counter Drug - Drug that can be purchased without a prescription.

P

• Payroll Deduction - The amount taken from the employee's earnings with their consent, as contribution toward the cost of the group insurance plan.
• Period of Disability - The period during which an employee is prevented from performing the usual duties of his/her occupation or employment or during which a dependent is prevented from performing the normal activities of a healthy person of the same age or sex. More than one cause (accident or sickness) may be present during or contribute to a single period of disability. See Two Year Own Occupation.
• Permanent and Total Disability - A disability that will presumably last for the insured's lifetime and prevents engagement in any occupation for which the insured is reasonably fitted. See Offsets.
• Physiotherapy - Services provided within their specialty by members of the Canadian Physiotherapy Association or an affiliated provincial association..
• Podiatry - Services provided for foot health by individuals authorized to practice.
• Pooling - The combination of all premiums, claims, expenses for certain size cases, types of coverage or excess classes in order to spread the risk.
• Pre-Existing Condition - Any physical and/or mental condition or conditions that existed prior to the effective date of coverage under a contract.
• Premium - The amount paid to the insurer for the insurance protection.
• Prescription Drug - Drug that cannot be obtained without a prescription from a physician or dentist.
• Provision - A part of a group insurance contract that explains or describes a feature, benefit, condition, requirement, etc., of the insurance protection afforded by the contract.
• Psychology - Services provided within their specialty by permanently recognized psychologists whose names appear in the registry of psychologists of the province where the services are provided.

Q

• QPP Québec Pension Plan. See Offsets.
• Québec Pension Plan - Government plan that pays a monthly pension to eligible individuals.

R

• Reasonable and Customary - This term refers to limiting benefit payments to fees which are reasonable and representative for the service rendered, under the circumstances rendered, by the physician rendered.
• Recurring Disability - A case where if a second disability occurs related to the first disability within a specified period of time, the second disability will be a continuation of the first disability claim.
• Rehabilitation - Refers to a provision in many long-term disability (LTD) plans that enables the insured claimant to receive at least partial benefits while undergoing retraining and seeking new employment.
• Rehabilitative Employment - Any occupation or work for compensation or profit approved by the Insurer and undertaken by the insured while unable to work on a full-time basis usually in conjunction with a LTD plan.
• Renewal Date - The date when the insurance policy is to be reviewed for experience and the rates are adjusted.
• Retention - The portion of the premium retained by the insurance company to cover expenses and provide profits.
• Retirement - Permanent withdrawal from the labor force.

S

• Salary - Base salary, excluding bonuses.
• Secondary Payer - The plan that pays second when you have coverage through two benefit plans (yours and your spouse's plan). This is known as co-ordination of benefits where you can be reimbursed up to 100% (but not more) when you submit your claim to both benefit plans.
• STD - Short-Term Disability benefit provided to employees who are absent from work due to illness or disability. Short Term Disability (also known as Weekly Indemnity or Sick Leave) usually has a maximum amount of time the benefit will last.
• Sickness - Illness not arising from accident or injury. Usually the sickness causing disability must be contracted by the insured while the policy is in effect. Some policies require that the sickness need only manifest itself while the policy is in effect.
• Single - An unmarried person with no dependent children.
• Smoker - A smoker is defined as someone who has smoked cigarettes at least once in the last 12 months.
• Speech Therapy - Services provided within their specialty by holders of a master’s degree in speech therapy who are a member of the Canadian Association of Speech-Language Pathologists and Audiologists or an affiliated provincial association or who satisfies the conditions for membership in this association.
• Spouse - The person to whom you are lawfully married; or a person who has been cohabiting and residing with you for a continuous period of at least one year, and has been publicly represented by you as your spouse.
• Subject to Insurability - A statement of proof of a person's physical condition, occupation or other factor affecting his or her acceptance for insurance is required.
• Survivor Benefits - Allows dependent family members of a deceased employee to have continued coverage for a specified period; premiums are often waived during this period. See Waiver of Premium.

T

• Term Life Insurance - Life insurance plan that terminates when employment ceases. Conversion policies are available.
• Termination - An employee who terminates employment with the employer or withdraws from a group plan offered by the employer.
• Termination Age - Specified age when an employee loses insurance coverage. See Age reduction.
• Total Disability - Inability to perform all of the duties of one's regular occupation or the duties of any occupation for which the individual may become fitted due to education, training or experience.
• Twenty-Four Hour Coverage - Insurance providing benefits for an accident or sickness incurred either on the job or off the job.
• Two-Year Own Occupation - Common disability definition stating that the employee is disabled for his or her own occupation during the first two years of disability and thereafter is disabled for any occupation that is suitable by virtue of past training, education or experience.

U

• Underwriting - The process by which an insurance company determines whether or not it will accept an application for insurance.

V

• Voluntary - Chosen by one's own consent. Often refers to lack of minimum enrollment requirements.

W

• Waiting Period - A period of time that must pass in order for an individual to become eligible for benefits under a group insurance policy.
• Waiver - An agreement attached to a policy which exempts from coverage certain disabilities normally covered by the policy.
• Waiver of Premium - A provision that under certain conditions a person's insurance will be kept in full force by the insured without further payment or premiums. It is used most often in the event of permanent and total disability.
• Worker's Compensation Act - A statute imposing liability on employers to pay benefits and furnish care to employees injured and to pay benefits to dependents of employees killed, in the course of and because of their employment. See Offsets.

X

Y

Z

It's as easy as a click. The following forms are available to print, fill out, and fax or mail in. They are provided in Adobe Acrobat PDF format. If you do not have Acrobat Reader, download it free of charge from Adobe's web site.

HUB International Documents
Change Form
Enrolment Form
Salary Change Form

Industrial Alliance Insurance Forms
Application for Optional Group Life Insurance
IA Evidence of Insurability
IA Life Claims
IA Disability Claim Form
IA Extension of Disability Claim Form
Smoker Declaration Status
Life Conversion
 
Green Shield Insurance Forms
Dental Claim Form
Drug Claim Form
Extended Health Care Claim Form
Claim Form for Related Health Professional Services
Nursing Claim Form
Hospitalization Claim Form
Claim Submission Form
Audio Claim Form
Prosthetic Appliances & Medical Equipment Claim Form
Vision Care Claim Form

ACE INA
Please contact HUB International for all AD&D related forms and documentation.