Sherwin-Williams Canada FAQ

You are eligible to enroll in the program up to 30 days following your effective date. Therefore, if you have a one month waiting period to join the plan, you must enroll prior to two months after your start date. If you do not enroll within this time frame, you will be required to complete a health questionnaire and your coverage could be declined by the insurance company.

A Late Applicant is a person who has not enrolled in the benefit program within the time frame allowed. At this point, you and your dependents are required to complete a health questionnaire and the insurance company will review this information to determine if you will be approved or declined coverage.

If approved, you will be subject to lower benefit maximums for the first 12 months of coverage.

Your benefit plan allows you to purchase additional Optional Life Insurance for yourself and your spouse. Application forms and pricing is available under the forms section of this web site.

You need to inform your administrator within 30 days of acquiring a new dependent. This means, 30 days after a marriage, birth, adoption or qualifying as common-law, etc. This will ensure that coverage is extended to your new dependent.

If your dependent is not added within the 30 day time frame, completion of a health questionnaire about your dependent will need to be submitted to the insurance company for review. At this point the insurance company can approve or decline coverage.

If you have been living as husband and wife for a period of 12 months, you have 30 days following the 12 months to add your spouse without the requirement of a health questionnaire.

If you have a change in your marital status, it is important to advise your administrator, and complete a form to amend your beneficiary accordingly. This change is often overlooked, and life insurance claims could be paid to an ex-spouse, if records are not kept up to date.

If you are a resident of Quebec, your current beneficiary (if it is your spouse) may need to sign off on the change, as a beneficiary designation to a spouse in Quebec may be irrevocable, if not elected otherwise.

If your children are under the age of 19, it is important to designate a Trustee to receive the insurance claim on their behalf. If no Trustee is assigned, the insurance company will either hold the claim payment until your child reaches the age of 19 or pay it to your estate.

If you do not complete all sections of your claim form, it will be returned to you, along with the original claim receipts. You will need to complete the form in its entirety and resubmit to the insurance company

Note: All claims and correspondence must include your certificate number and group policy number. Without this information, your claim may be lost.

If both you and your spouse have group insurance coverage, all claims for each must be submitted first to your own plan. Your children’s claims must be submitted to the parent’s plan whose birthday is first in the calendar year. If there is a portion of the claim not covered by the first insurance company, the remainder can be submitted to the other parent’s plan for payment of the balance.

If you are the only parent in the family with a drug card, the card will only work for your children if your birthday is first in the calendar year.

Some drugs may move from legally requiring a prescription, to an over-the-counter drug. When this occurs, it will no longer be eligible for reimbursement under your benefit plan. Only drugs which legally require a prescription will be covered.

Your insurance company reserves the right to change the formulary. Therefore, there may be instances where a drug was eligible in the past, but is no longer covered under your benefit plan.

There may also be instances where a drug was not properly adjudicated in the past and was paid in error. This would require further investigation.

No, group insurance policies renew annually. Based on the overall usage of the group plan, claims paid vs. premium collected, the rates are reset each year to ensure the program is properly funded. At each renewal date, your portion of the premiums will be subject to change.

Employee benefits, provided through your employer, terminate on the same day as your employment terminates. The only exception to this provision is the Basic Life Insurance. You have 30 days from date of termination to convert your Basic Life Insurance into a personal individual policy. You are charged a rate based on your age at the time of your termination. Should you die within the 30 day provision period, benefits will be paid to your beneficiary, as if you were still employed.