Late applicants

If you’re applying for coverage within 60 days of your previous group insurance ending and meet our eligibility criteria, you’ll be automatically approved for our group plans. Usually, that’s 60 days after you retire, or your spouse retires if you’re covered under their plan.

If you apply after the 60 days, transfer from an individual insurance plan, or were not previously insured under a group plan, you can still receive coverage. Here’s how:

Extended Health Care and Hospital and Convalescent Care plans

• Complete the application form to apply for your desired plans.
• Your application will be reviewed and you’ll be contacted about next steps.
  • You’ll need to complete an Evidence of Insurability form.
  • If you or your spouse are age 60 or older, an Attending Physician Statement is also required. You are responsible for any costs from your doctor for completing the form.
• The forms are reviewed by our insurance underwriter. This process may take up to four weeks.
• If your application is approved, coverage will be effective as of the approval date, without restriction.

Contact us at 1-800-361-9888 with questions about the late application process.

Dental plan

If you’re not currently in the Dental plan, you can add this coverage with guaranteed acceptance. We have removed the $500 reimbursement limit in the first 12 months. Instead, we simply require new dental applicants to stay in the plan for at least 24 months. If you decide to cancel your plan, you cannot rejoin for 12 months.