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FAQs
- What is my “Annual Compensation”?
- What happens to my pension if I die before I retire?
- Will my benefits continue during my maternity leave?
- To what age is my son/daughter covered?
- How can I add my newborn baby to the plan?
- What should I do if I get married/divorced?
- What is an Explanation of Benefits (EOB)?
- Who is a beneficiary?
- What if I lose my Manulife Member Card?
- Who do I contact at Manulife in case of a medical emergency while traveling?
- What is a pre-existing health condition and would I be covered for travel insurance?
- What is a Pharmacare Plan?
- What is covered under my Provincial Health Insurance Plan?
- How do I know for sure whether something is covered?
What is my “Annual Compensation”?
Your Annual Compensation is the basic salary and housing allowances (if applicable) you receive annually in compensation for performing the duties of your position.
What happens to my pension if I die before I retire?
The short answer is: If you die before you retire, and you are vested, and before you are age 55, your spouse will receive a lifetime pension at the time when you would have reached age 55. If you die between the ages of 55 and 65, your spouse will receive an immediate lifetime pension. However, it can be more complicated, so please consult your handbook or contact us.
Will my benefits continue during my maternity leave?
The details of Maternity Leave including length of leave or benefit payments vary from province to province according to their Employment Standards Legislation. Contact your provincial Employment Standards Branch to find the legislation specific to your province.
To what age is my son/daughter covered?
Your dependent (unmarried) child is covered until age 19 if you provide 51% or more financial support. However, if your child is a student under age 26 attending an accredited school, college or university on a full-time basis and dependent on you for support they may continue as a covered dependent on your plan.
How can I add my newborn baby to the plan?
Congratulations! You will need to inform our office of any new dependents as soon as possible. Print out a copy of the Request for Change form, complete sections 1, 6, and 10, then mail or fax it in to our office.
What should I do if I get married/divorced?
You will need to inform our office of any changes in your dependents including your spouse as soon as possible. Print out a copy of the Request for Change form, complete the appropriate sections, then mail or fax it in to our office. You also may wish to change your beneficiary by completing the Beneficiary Designation Form.
What is an Explanation of Benefits (EOB)?
It is the statement of benefits paid or expenses reimbursed under an insurance plan. This statement is provided by the Insurance Company along with the payment. You will need this statement if you are coordinating the benefits of two plans.
Who is a beneficiary?
A beneficiary is the person or entity you name to receive a death benefit. Choosing beneficiaries, and keeping those choices up-to-date, is important. If you don’t name a beneficiary, the death benefit will be paid to your estate. If the death benefit goes to your estate, probate proceedings could delay distributing the money, and the cost of probate could diminish the amount available to your heirs.
What if I lose my Manulife Member Card?
If your Manulife Member Card becomes stolen or lost, please contact our office and we will replace it. Some personal information is printed on the card; however it is unlikely that someone else could use it. It is used mostly for identification and reference by you or your dependents.
Who do I contact at Manulife in case of a medical emergency while traveling?
Call or have someone call the Manulife's 24 hour Emergency Travel Assistance Hotline within 24 hours if an emergency occurs. This number is found on the back of your Manulife Member Card. Please be sure to carry the card with you while traveling.
What is a pre-existing health condition and would I be covered for travel insurance?
An out-of-Canada medical emergency includes an accidental injury or illness not previously diagnosed or treated in Canada. Treatment required for a medical condition previously diagnosed in Canada is excluded. The pre-diagnosed condition must be completely stable at the time of departure from Canada. Please call Manulife at 1-800-268-6195 for more information.
What is a Pharmacare Plan?
Some provinces have Pharmacare Plans which subsidize eligible prescription drugs and designated medical supplies, protecting its eligible residents from high drug costs. In some provinces Pharmacare registration is required. Contact your Provincial Pharmacare Program for more information.
What is covered under my Provincial Health Insurance Plan?
Your Provincial Health Insurance Plan covers many basic hospital and medical expenses, as set out in the schedule of benefits in your province of residence. To inquire whether a specific expense is covered, please contact your Provincial Health Services.
How do I know for sure whether something is covered?
If you are in doubt for any reason as to your coverage or if it is a significant cost, do not assume or take someone’s word for it. (For example, orthotics, dental implants, semi-private hospital room, hearing aids, etc.) Please call Manulife at 1-800-268-6195 or get a preauthorization from Manulife who will provide you with details of what is eligible and how much will be reimbursed according to the specifics of the LCC Worker Benefit Plans insurance policies. If you have any questions, contact us.