Plan Administrator's Guide â List Bill - RBC Insurance

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8. Terminating Eligible DependentsIf an employee no longer wishes to insure his/her eligible dependents:■■Have the employee complete Section 6 of a GROUP REQUEST FOR CHANGE form■■Forward the original form to RBC Insurance, Group Customer Account Services■■Retain a copy of the form for your records.The effective date of this change will be the date the GROUP REQUEST FOR CHANGE form is signed.For further details, refer to the “Refusal of Coverage” section in this Guide.9. Applying For Coverages Previously RefusedIf application for coverages previously refused by the employee is made more than 31 days afterthe employee and/or his/her dependents originally became eligible for coverage, Evidence ofInsurability must be submitted. For further details, please refer to the “Evidence of Insurability”section in this Guide.16 Plan Administrator’s Guide — List Bill
C. Evidence of Insurability1. When is Evidence of Insurability Required?An EVIDENCE OF INSURABILITY form must be completed by the employee in all of the following instances:a) For any employee or dependent who applies for coverage more than 31 days after becomingeligible (if your Plan requires employee contributions and participation is voluntary);b) For any employee who chooses to apply for additional coverage amounts in excess of thenon-evidence maximum(s) as set out in your Group Insurance Policy (if applicable);c) For any employee or dependent who applies for an increase in coverage more than 31 daysafter becoming eligible;d) For any employee who re-applies after coverage has been discontinued because of voluntarywithdrawal or non-payment of premium.2. Completing the EVIDENCE OF INSURABILITY FormWhen completing the EVIDENCE OF INSURABILITY form, to ensure the effective date of the employee’scoverage is not delayed, please be certain that:■■All questions are answered and complete (if not applicable please specify with N/A)■■Any changes are initialled by the employee■■The completed EVIDENCE OF INSURABILITY form is dated and signed by the insured■■The completed form is sent to RBC Insurance, Group Customer Account ServicesUpon receipt of the completed form, we will either advise you of our decision to accept the risk and offercoverage, or request additional medical information prior to reaching a decision.If we agree to offer coverage, you will receive a letter of approval.If coverage is declined, we will notify you in writing, and you should then advise the employee.If additional Evidence of Insurability is required, the employee or the employee’s physician willbe notified directly. We will pay the cost of obtaining this information, except in the case of a lateapplicant. (i.e. an employee or dependent who applies for coverage more than 31 days after becomingeligible. In this event, the cost is at the employee’s own expense). Coverage will become effective onceRBC Insurance has approved any additional evidence. The approved employee or approved increase/additional coverage will be reflected on your next billing.Plan Administrator’s Guide — List Bill17
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 14 and 15: 3. Change of Name and/or Beneficiar
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