Health Insurance

Who Pays? What to do when both spouses have coverage!

Blog | Group Insurance | Insurance Rules

Claims for Dependent Children
When both parents have plans and their children are covered under both as
dependents, the plan of the parent with the earlier birth date in the calendar
year pays first.

Example 1:
• Father’s birthday – October 11
• Mother’s birthday – September 21
Therefore – Mother’s plan pays first – Mother’s birthdate comes before Father’s in
the calendar year.
If both parents have the same birth date, the plan paying first is based on the
parent’s given name that occurs first in the alphabet.

Example 2:
• Mom’s given name is Jane
• Dad’s given name is Stephen
Therefore – Jane’s plan pays first – the name Jane comes first alphabetically.
In cases of Single Custody i.e., when one parent has custody of the child(ren),
the plan of the parent with whom the child resides, i.e., the plan of the parent with
custody, pays first.
The plan of the spouse of the parent with custody pays second.
The plan of the parent not having custody pays third.

Example 3:
A child lives with mother and her new spouse.
Therefore – Mother’s plan pays first.
Mother’s spouse’s plan pays second.
Father’s plan pays third.
In cases of Joint Custody i.e., when both parents have plans and their children are
covered under both as dependents, the plan of the parent with the earlier birth date
in the calendar year pays first. (See Example 1 on the previous page.)

This information comes from CHLIA Click here for more informaiton

Digital and Electronic Signatures

Blog | Business Technology | Small Business

Here is a great article about digital and electronic signatures that has inspired our short article here today!

Insurance Companies are slowly adapting to the electronic and digital signature model.  We have found that it is very convenient for many of our clients. In some cases much of our business can be completed this way and only when an insurer requires original signatures does it slow things down.

We recently went shopping the market for a Digital/Electronic Signature solution. PandaDoc came out on top, but there are many great players in the industry out there! Our second place option Proposify offered a very easy to use platform, unlimited users but limited documents.

Maybe your business could benefit from a digital signature platform?

Need to Know – Family Life Changes


Change happens all the time, some is great, some is hard, some is stressful and some is freeing! (We leave that to our clients to deiced which is which)

The change for one person may be hard and another freeing!, for example when your child moves out of the house to one person that might be a hard event, and another may feel like a weight is lifted off their back.

Your plan (Health Insurance and Retirement Plan) may need to be reviewed with these changes.

Here are a couple of notes to keep in mind when you come to a life changing event.

1. Legal Issues – If you are engaged in a life change that has any legal processes connected to it (Adoption, divorce, entrance of family to Canada) That any changes have been advised by your lawyer.  It is not always easy to reverse a change once they have been completed.

2. Addition of family member – There are several ways a new family member may be added to your plan.  Marriage or Civil Union, Common-Law Union, Adoption, Birth, blending of families.  Each situation is unique and handled differently and once again if any changes has a legal component make sure change is under advisement of your lawyer.

3. Removal of Family member – Death, Divorce, Dependent reaching age 25 or 21 and no longer enrolled in Post Secondary education and  Dependent no longer eligible for other reasons. Once again some of these situations may have a legal component and only make changes under the advise of your lawyer. It’s not always easy or possible to reverse changes once they have been completed by the carrier.

All these situation may be emotional ones to deal with and are never easy but we do need to ensure that they are handled correctly and some are time sensitive so please remember if you have a life changing event it doesn’t hurt to give us a call, email or DM via Twitter/Facebook.