Plan Administrator's Guide â List Bill - RBC Insurance

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3. Change of Name and/or Beneficiary DesignationTo change a name or beneficiary designation, have the employee:■■Complete the appropriate section of a GROUP REQUEST FOR CHANGE form■■Sign and date the form■■Forward the original form to RBC Insurance, Group Customer Account Services■■Retain a copy of the form for your recordsIf a change of this nature also affects a change in dependent status, have the employee completeSection 6 of the GROUP REQUEST FOR CHANGE form.When appointing a minor:When appointing a minor as beneficiary, please obtain an Appointment of Trustee Form from yourlocal RBC Insurance sales office. Have the employee complete the card, and return it to RBC Insurance,Group Customer Account Services.Note:■■For beneficiary designations, the full given name(s) and relationship must always be shown; i.e.“Mary A. Smith, wife” rather than “Mrs. John Smith, wife”.■■Married women in Quebec must use their maiden names unless legally changed.4. Dependent Status Change (applicable to life coverage only)When an employee wishes to add dependent life coverage due to a change in dependent status as aresult of marriage, birth of a child, etc. (see Group Insurance Policy for definition of Eligible Dependents):■■Have the employee complete, sign and date a GROUP REQUEST FOR CHANGE form■■Forward the original form to RBC Insurance, Group Customer Account Services within 31 daysfollowing the date of the change (otherwise, Evidence of Insurability will be required. Please referto the “Evidence of Insurability” section in this Guide)■■Retain a copy of the form for your recordsOnce dependents are insured, any additional eligible dependents will automatically be insured andneed not be reported to our office on an individual basis, except in a common-law spouse or same sexspouse situation. (See below.)If both spouses are insured as employees under the Plan, both may insure any dependent children.5. Common-Law Spouse CoverageFor a current employee wishing to insure his/her common-law spouse (and dependents thereof,if applicable):■■Fully complete Section 6 of a GROUP REQUEST FORM CHANGE form■■Forward the original form to RBC Insurance, Group Customer Account Services■■Retain a copy of the form for your recordsNote: Common-law spouse refers to a person with whom the employee has lived for at least 12consecutive months and whom he/she publicly represents as his/her spouse. Discontinuance ofco-habitation will terminate the eligibility of the common-law spouse for insured dependent status.14 Plan Administrator’s Guide — List Bill
6. Over Age DependentsIf an employee has a dependent who is a full-time student at a college or university, and hasattained the age of 21, but is under 25 years of age, proof of enrolment in that college or universitymust be provided when submitting a claim for that dependent. See your Group Insurance Policy toverify age limits for dependent coverage.7. Employee TerminationsEmployees who are no longer covered under the Plan must be removed from the Premium Statementreceived closest to the date the coverage ends. Your Group Insurance Policy outlines when employees’coverage terminates.To report a termination, please provide the following information:■■Policy number(s)■■Division number(s)■■Employee’s full name■■Employee certificate/identification number■■Effective date of change (the last day on which the employee was actively employed by yourCompany on a full-time basis)In forwarding this information to RBC Insurance, you have several options:1. Report these changes directly on your monthly GROUP PREMIUM STATEMENT; or2. Report these changes using the GROUP REQUEST FOR CHANGE form; or3. Send by mail, fax (1-800-296-6987), or e-mail groupclientservices@rbc.com4. If you are an iServices client and are registered for employee changes, please select EmployeeChanges > Report Employee Changes on the iServices menu. Select Update/Terminate beside theapplicable member.Note: You must inform employees of their right to convert coverage, if applicable.ConversionEmployees may be eligible to convert their coverage as outlined in the Group Insurance Policy. Pleasecontact your local RBC Insurance sales office immediately. Application for conversion must be receivedby RBC Insurance within 31 days following the employee termination.Plan Administrator’s Guide — List Bill15
Page 4 and 5: IntroductionThank you for choosing
Page 6 and 7: 2. Life InsuranceTo enrol new emplo
Page 8 and 9: 4. Waiving the Waiting PeriodThe Wa
Page 10 and 11: 7. Refusal of CoveragePay special a
Page 12 and 13: 2a. Change of ClassPlease refer to
Page 16 and 17: 8. Terminating Eligible DependentsI
Page 18 and 19: D. Inactive Employees1. Lay-off/Lea
Page 20 and 21: E. Understanding Your Group Premium
Page 22 and 23: 4. Sample Premium CalculationsThe p
Page 24 and 25: How do I calculate Basic Life cover
Page 26 and 27: How do I calculate Dependent Life c
Page 28 and 29: How do I calculate STD coverage for
Page 30 and 31: How do I calculate LTD coverage for
Page 32 and 33: How do I calculate back-charges for
Page 34 and 35: How do I calculate back-charges/cre
Page 36 and 37: F. How to Report ClaimsFor claims i
Page 38 and 39: G. General1. Directory AssistanceFo
Page 40 and 41: 7. Group Insurance AuditPeriodicall
Page 42: Please note that this paragraph is

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Plan Administrator's Guide â List Bill - RBC Insurance