Who is eligible to join?

Is participation mandatory?

No. It's your choice.

When can I join?

You can apply to join the Life Insurance Plan and the Additional Life Insurance Plan at any time if you are already working for the school board.

If you are not already in the employer's service, you can join as early as the following applicable date:

When can my dependents join?

Your spouse and dependent children can join the Dependent Life Insurance Plan at any time once:

If your dependents apply later, proof of good health will be required.

Is proof of good health required?

Yes, in the following instances ONLY:

Proof of good health must be provided at your own expense.

How do I join?

1. Complete a Participation Request form.
   
   
2. Be sure to designate a beneficiary.
   
   
3. If applicable, submit proof of good health.
   
   
4. Return the completed form—and any proof of good health—to your school board.

When does coverage begin?

	Did your school board return your completed Participation Request form to Industrial Alliance within 60 days or after?
	Within 60 days				After 60 days
	Were you required to submit proof of good health?				Proof of good health is required for any amount of coverage. Coverage will take effect on the first day of the month following the date your school board receives the approval from Industrial Alliance. If Industrial Alliance has not yet approved your application within 30 days after receiving your final proof of good health, coverage will take effect on the first day of the month after that 30-day period. Reminder: You must choose the maximum amount of coverage under the Life Insurance Plan (i.e., $150,000) before you can buy coverage under the Additional Life Insurance Plan.
	Yes		No
	Coverage up to $75,000 will take effect on the date you are eligible for coverage, provided you apply for coverage at that time. You must be actively at work on the date you are eligible for coverage. Otherwise, coverage will take effect on the date you return to work. Any coverage amounts exceeding $75,000 will take effect when Industrial Alliance approves your proof of good health. If you apply for any additional coverage, Industrial Alliance must approve the coverage.		Coverage will take effect on the date you are eligible for coverage. You must be actively at work on the date you are eligible for coverage. Otherwise, coverage will take effect on the date you return to work.

•	For your eligible dependents
	Your dependents' coverage begins on the latest of the following dates:
		the date on which your coverage takes effect;
		the date on which your spouse and dependent children become eligible, according to the Plan's definitions; and
		the date Industrial Alliance receives the application, provided your spouse and dependent children are eligible, according to the Plan's definitions.