Enrolment in Michaels medical and dental coverage is mandatory, unless you have coverage elsewhere. If at any point you are enroled in medical or dental coverage elsewhere, you must provide proof of other coverage to waive this requirement.

If you are already enroled in Michaels medical and dental coverage, and you choose not to make any changes to your current benefit elections during Open Enrolment, your benefits will continue at the premium rate(s) for the 2026–2027 plan year. To review these rates, please visit the Extended Health and Dental pages.

Yes. If your circumstances change after Open Enrolment ends, you and eligible family members may enrol in coverage at a later date.

Requirements for Enroling Later

• Remember to provide proof of other coverage if at any point you are enroled in medical and/or dental coverage not with Michaels.
• In order to enrol in Michaels coverage at a later date, you must: 1) have experienced a qualifying life event (QLE), and 2) make changes to your benefits within 31 days of the life event. If you have not experienced a QLE, you will have to provide Evidence of Insurability (EOI).

A. Late Applicant

(Enrol in Medical and/or Dental coverage through Canada Life as a late entrant outside open enrolment or not during a qualifying life event)



If you are enrolling in benefits for the first time or adding a spouse/dependent without a qualifying life event, complete the following forms:

1. Late Applicant Form
2. Application for Group Coverage Form
3. Evidence of Insurability – Late Applicant Benefits Request (Form M5995)

B. Increasing Coverage Amounts

(Enrol in Optional Life and AD&D Insurance and/or Voluntary Critical Illness Insurance)



If you are increasing Optional Life Insurance or Voluntary Critical Illness coverage, complete:

1. Application for Group Coverage Form
2. Excess and Optional Benefit Request (Form M5995)



Team Members must complete the employee sections of these forms before submission.

1. Open a Knowledge Zone ticket.
2. Attach all completed and signed EOI forms from Step 1.
3. The Benefits team will complete the employer section and send the forms to Canada Life at: groupmed@canadalife.com.

• Please allow up to four (4) weeks for Canada Life to review and process your EOI request.
• If you have not received a status update by mail after four weeks, open a Knowledge Zone ticket for assistance and reference your Knowledge Zone case number from Step 2.

Canada Life will notify you and the Benefits team once a decision has been made.

If approved, the Benefits team will:

• Launch an EOI approval update event in Workday.
• Update the Team Member’s Workday record to reflect the approved coverage.

If denied, Canada Life will send a formal denial letter.