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CARP Recommended
Frequently Asked Questions
 
 
Life Insurance

 
Health & Dental

 
Life Insurance

    General

    Q.  Can my coverage be cancelled by the insurance company?

    A.  No. Provided your premiums are paid, only you can cancel your policy.

    Q.  When will my coverage begin?

    A.  So long as you are eligible to apply, your coverage will begin on the date Manulife Financial receives your completed application and your premium payment.

    Q.  May I keep my coverage if I leave Canada?

    A.  Yes. Once you have your policy, you are covered wherever you reside, provided you make arrangements to pay the premiums.

    Q.  If I die while insured under the plan, will my spouse lose coverage?

    A.  No. You and your spouse will each be issued a separate policy. What happens to one will not affect the other.

    FollowMe™ Life

    Q.  Can I convert my group life insurance to an individual policy when my employment ends?

    A.  Yes, if your employment is ending and you are losing group benefits, you can convert your group life policy to an individual policy. The FollowMe™ Life plan offers coverage amount from $25,000 up to $200,000 (equal to or less than your group benefit amount). And, as long as you apply within 60 days of your group life insurance ending, there is no medical questionnaire required. Coverage is guaranteed renewable up to age 80 -- regardless of your health and includes a Living Benefit at no additional cost.

    Q.  Do I have to purchase the same amount as my group life plan?

    A.  You can purchase coverage amounts from $25,000 up to $200,000 (equal to or less than your group benefit amount) as long as it is within 60 days of your group life coverage ending.

    Q.  Do I have to answer any medical questions?

    A.  No, there is no medical questionnaire required for the FollowMe Life Plan.

    Q.  Can my spouse apply for this coverage, even if they were not on my group life plan?

    A.  No, in order to apply for the FollowMe Life Plan, your spouse must have been under your group life plan.

    Guaranteed Issue Life Insurance

    Q.  Can my premiums ever go up?

    A.  No. The monthly premium you pay when you join is the premium you will always pay - until age 100 when we will pay you your life benefit amount.

    Q.  Are there any limitations or exclusions to the CARP Guaranteed Issue Life Insurance Plan?

    A.  No benefit is payable under the CARP Guaranteed Issue Life Insurance Plan in the case of suicide, while sane or insane, within two years of the effective date of the coverage. We will instead return all premiums paid. It is important that you read your Certificate of Insurance when you get it to understand exactly what you are covered for.

    Q.  How are benefits paid?

    A.  If a death occurs during the first two years your policy is in force, the benefit paid for a non-accidental death will be the return of all premiums paid plus 10% annual interest. In the event of suicide during the first two years, the premiums you paid will be returned to your beneficiary. After the first two years, the benefit amount you selected will be paid for non-accidental death or suicide. In the event of accidental death before the age of 85, you will be paid a death benefit that is five times the benefit amount you selected. If accidental death occurred after age 85, the life insurance coverage will be paid.


 
   
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Health & Dental

    Q.  How do I get my Health and Dental premium (tax) receipt?

    A.  You can obtain your previous year's Health & Dental premium (tax) receipt by going online to edocs.memberhealthplan.com. Receipts for 2018 will be available on February 7, 2019.To access your receipt you will need your plan and identification number found on your benefit card. If you have previously registered online, please sign in using your email address and password to obtain your receipt. If you have any questions or need assistance on this process, please contact 1-800-268-3763. Monday through Friday anytime between 8:00 AM to 8:00 PM EST.

    Q.  How do I submit a dental claim?

    A.  Dentists are encouraged to submit claims directly to Manulife Financial for reimbursement. This method is fast, economical and convenient for you, as you only need to show your Manulife Financial Identification Card to confirm coverage for the services provided. If a dentist does not want to submit your claims directly to Manulife Financial, he/she will identify the services provided using the standard dental claim form approved by the Canadian Dental Association. This claim form must be submitted to Manulife Financial.

NOTE: You should get an estimate.
If you are about to undergo a costly course of treatment (i.e. more than $500), you should have your dentist submit a cost estimate (called a 'predetermination of benefits') to us showing the planned treatment and expected costs. We'll advise you by mail how much you will be reimbursed. If necessary, your dentist may be required to submit dental x-rays to support the planned treatment. If so, the x-rays will be promptly returned to your dentist after the review is complete.

    Q.  How do I submit a drug claim?

    A.  With your Manulife Drug Card you won't need to submit a claim for drug expenses in most cases. Simply present your drug card to the pharmacist when filling a prescription and the pharmacist will submit your claim electronically to Manulife Financial on your behalf.

    Q.  How do I submit a health claim?

    A.  To help avoid any delays in processing your claim, be sure that all sections of your claim form are complete and that your receipts are attached. Include your name and identification number and indicate if you have benefits under another plan such as your spouse's plan. If this information is not included, your claim cannot be processed. If you're claiming expenses for a spouse or child, be sure to show their name and relationship to you.

For drug claims, be sure to show the name and address of the pharmacy, the drug name or DIN number (shown on the pharmacy receipt), and the amount you paid as shown on the receipt. Staple receipts to your claim form before mailing, including the pharmacy receipt, not just the cash register receipt.

For health claims other than drugs, show the name and address of the supplier, the type of expense and the amount you paid as shown on the receipt. Staple receipts to the claim form along with a letter from your doctor if a doctor's approval is required.

If you have questions regarding your claim or require more claim forms, contact us at 1-800-268-3763.

    Q.  How do I change my address?

    A.  If you change your address, it is extremely important that you notify us immediately. In order to notify us of such a change, please call 1-800-268-3763.

    Q.  How do I add a dependant to my plan?

    A.  A dependant may be added to your coverage at any time by submitting a written application and filling out a medical questionnaire, if applicable. Manulife Financial does not require a medical questionnaire for newborns if we are notified in writing within 30 days of the birth, in which case coverage will be effective the first day of the following month pending notification and approval by Manulife Financial.

    Q.  Can I convert my group health and dental benefits to an individual policy when my employment ends?

    A.  Yes, if your employment is ending and you are losing group benefits, you can convert your group health and dental benefits to an individual policy.

The FollowMe™ Health product offers comprehensive individual health and dental coverage at competitive rates, with no medical examination or questionnaire required. Coverage is guaranteed (subject to receipt of initial premium payment) as long as you or your dependant apply within 60 days of the loss of group health and dental benefits. FollowMe Health allows you to choose from Basic, Enhanced, Enhanced Plus or Premiere coverage based on your personal needs and financial situation.


 
   
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