When coverage ends
When does my coverage end?
When does my dependents' coverage end?
Can I convert my coverage to an individual policy?
Can I convert my dependents' coverage to an
individual policy?


When does my coverage end?

On the earliest of the following dates:

   
• upon termination of employment;
   
• your retirement date;
   
• the date you choose to no longer participate in the Plan;
   
• the date you cease to participate in the Health Plan, unless you had opted out;
   
• upon your death;
   
• the termination date of the Plan; and
   
• the date on which you are incarcerated after committing a criminal offence for which you were found guilty.

When does my dependents' coverage end?

Your dependents' coverage under QPAT's Accident Insurance Plan automatically ends at midnight on the earliest of the following dates:

   
• upon termination of employment;
   
• your retirement date;
   
•

the termination date of the Plan;
   
• the date on which your coverage ends;
   
• the date on which your dependents cease to meet the definition of spouse or dependent children; and
   
•

the first day of the month after your employer has received written notice from you to the effect that you are no longer covering your dependents under QPAT's Accident Insurance Plan.

Can I convert my coverage to an individual policy?

Yes. Within 31 days of your termination of employment (other than retirement), you may convert your accident insurance to an individual policy with the insurer. The amount of insurance converted cannot exceed your coverage at the time of your termination.

Can I convert my dependents' coverage to an individual policy?

No.