Extended Health and Dental coverage is available for your spouse by marriage or under any other formal union recognized by law, or your partner of the same or opposite sex who has been publicly represented as your spouse for at least 12 consecutive months.

For children, coverage is available if the child is:

• your dependant child or your spouse/partner’s dependant child (other than foster children),
• under age 21,
• entirely dependent on you for financial support, and
• not married or in any other formal union recognized by law.

If an enroled child becomes handicapped before age 21, their eligibility for Extended Health (medical and dental) coverage will continue as long as they are:

• incapable of financial self-support because of a physical or mental disability,
• entirely depend on you for financial support, and
• are not married or in any other formal union recognized by law.

Your coverage is effective on the latest of:

• the first of the month on or after you become eligible,
• the date that you enrol for insurance, or
• the date that Canada Life approves your Evidence of Insurability (EOI).

Dependant coverage is effective on the latest of:

• the date you become eligible for dependant insurance,
• the date that you request dependant insurance, or
• the date that Canada Life determines the insurability of all of your dependants and approves at least one dependant.

If you enrol more than 31 days after you first become eligible, you are considered a late entrant and you must submit Evidence of Insurability (EOI) for yourself and for each dependant you are enroling.

Regardless of when you enrol, EOI is required if you buy Optional Life or Optional AD&D coverage.

If you have no dependant(s) when you enrol and later acquire one or more through birth of your first child or marriage, contact Canada Life for assistance. You can find Canada Life’s contact information in the “Provider” section of this page.