LCC Worker Benefit Plans

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Health | Vision | Dental | Travel Insurance | Death Benefit

How to Submit a Claim

All claims must be submitted to Manulife by March 31 of the year following the year in which the expense was incurred.


Many dentists are able to process your claims online with Manulife, which means that you may not have to submit a paper claim. However, if you need to submit a paper claim, follow these procedures:

  • Download the Dental Claim Form.
  • Have your dentist complete the dentist’s section of the form and complete the employee portion yourself.
  • Mail your completed form to the Manulife address shown on the claim form.
  • If you are coordinating benefits with your spouse’s plan, be sure to include the explanation of benefits Link to an FAQ from that plan.

Your lifetime maximum for all Health related claims (including Health, Vision and Out-of Province Travel) is $50,000.00 for each covered person.

Health (including Vision)

  • Download the Health Claim Form.
  • Complete the claim form and attach your original receipts (or Explanation of Benefits Link to an FAQ from your spouse’s plan, if you are coordinating benefits).
  • Ensure that each receipt shows the patient’s full name, type of service or supply, date(s) service was rendered or supply was purchased, and itemized changes.
  • Mail your completed claim to Manulife at the address shown on the claim form.

Provincial Pharmacare Coverage for Prescription Drugs

If your Provincial Health Insurance Plan Link to an FAQ includes a Pharmacare Plan Link to an FAQ, you must send Manulife proof that you have registered with that plan, together with the amount of any required annual deductible. Otherwise, you may not be eligible for the maximum coverage provided under your health benefits.

Out-of-Province Expenses

While you or your dependents are traveling outside the province or country, your benefit plan covers 100% of the cost of medical emergencies (in excess of your Provincial Health Insurance Plan) to your lifetime maximum of $50,000 per covered person (all health related claims combined). Link to an FAQ

Expenses in excess of $200 will be paid for directly by ManuAssist, provided you contact them before any expenses are incurred. If ManuAssist is not contacted, or if expenses are $200 or less, you are responsible for payment and may submit a claim for reimbursement using the Health Claim Form.

Any claims for out-of-province expenses should be submitted first to your Provincial Health Insurance Plan. Link to an FAQ You may then submit a claim to Manulife for any allowable expenses not covered by your Provincial Health Insurance Plan. Be sure to include the explanation of benefits Link to an FAQ from the provincial plan.


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