Making a Change to Your Plan: Required Documentation

There are a number of life events that can impact a benefit plan. When one of these events happens in your life, you generally have 30 days from that date to make a change to your benefit plan, with no medical requirement.

Please see the various documentation required in order to make a change.

  • Adding a common law spouse

We require any form of proof showing the residential address is the same as the spouse. This would be any document showing an address change. These can include a photocopy or scanned version of:

  • Telco bill (account # omitted); or,
  • Bank document (account # omitted); or,
  • Government document or ID; or,
  • Tax documentation showing filing tax returns as common law.
  • Please note that all documentation will be shredded after the information has been filed.
  • Adding a married spouse
    • Require a copy of the marriage certificate with effective date of change.
  • Adding a late spouse
    If you are adding a spouse or common law partner to your benefits coverage, we do require proof your spouse lost coverage as well as the effective date:

    • Letter from the employer or the Insurance company, showing termination, or the reason coverage was declined.
  • Adding a Late Dependent (30 days after eligible)
    • We require written proof your dependent lost coverage: a former employer plan, or a letter from the prior insurer indicating the date that coverage was lost.
    • If you are adding a dependent who is not a direct relative, we require written proof of legal guardianship.
  • Changing Student Status
    When enrolling a benefits member to a plans as a student, we require a letter from an accredited post-secondary institution, along with a valid student card issued by the institution. Please note coverage runs from September 1st to August 31st the following year and the following documents must be submitted annually to continue coverage:

    • Letter from University; or,
    • Transcript; or,
    • Student card with expiry date.
  • Provincial Insurance Checks
    • Plan members must be covered by their provincial insurance plan in order to enjoy fully insured coverage. Random audits will be issued to ensure coverage is in place.
    • If a plan member does not have provincial insurance coverage in place, we will require proof of bridge insurance while the plan member is serving their waiting period.

If you have any questions, do not hesitate to contact our team who are happy to provide assistance.

Meet the New Board – Announcing 5 New members to the Co-operative’s Board of Directors

We are pleased to announce the newly appointed board members of The Beneplan Employee Benefits Co-operative, effective May 1st, 2016:

  1. D. Lee Brown, Financial Controller, Winmar
  2. Shelley Sheppard, Executive Vice President of Finance, Evanov Radio Group
  3. Ian Torrance, Vice President, Partner, P.K. Douglass Inc
  4. Malcolm Stoffman, President and CEO, Momentum Credit Union
  5. Barry Murphy, Country Manager, BDP International

To review each of our board member’s bios, please visit or find the Board of Directors page under About > Board of Director’s on our website’s menu.

The Beneplan Co-operative Team

The Beneplan Co-Operative Annual Report 2015

Our 2015 Annual Report 2015 highlights our work towards our goal of helping small and medium sized enterprises maintain the best employee benefits at the lowest possible costs.

Selected Highlights:

  • Total co-operative patronage dividend $917,000
  • Maximum patronage dividend: $53,905.44: Average dividend: $8,016.74
  • Introduction of Pharmacogenetics to our Benefits Offering
  • Members subscribing to the Reformulary system experienced a 17% drug usage reduction and an average rebate of 2% of drug claims

Keep reading →

Beneplan Co-operative Financial Statements 2015

Beneplan is pleased to announce its 2015 financial statements. We’re proud to announce that the total surplus to be distributed to our membership for CY2015 is $923,297 in patronage dividends.

Please remember to review the new Board of Director nominees in advance of the AGM on April 7th, 2015. Patronage Dividend results by member will be released shortly.

Members can download the financial statements here: Beneplan Financial Statements 2015 12 31 or view the the 2015 Results below.

Keep reading →

What Is Pharmacogenetics and Why You Need to Know About It

When the human genetic code was cracked about 12 years ago, it brought with it enormous belief of instant application to human disease. It was soon after that pronouncements were made that there would soon be a cure for cancer, Alzheimer’s  and heart diseases, given that we now are aware of the genes causing them. Over the last ten years or so it has become apparent that any given disease is not caused by one gene alone. There is no “cancer gene” and there is no ‘heart disease gene”. In spite of this realization that one gene does not cause one disease, over the last 10 years, integrative medicine has evolved and several new genetic tests have become available; many with immediate clinical application to daily care. One of the most powerful of these applications is Pharmacogenetics. Keep reading →

3 Ways to Minimize Group Benefits Plan Abuse

Keeping health insurance costs down without cutting employees health benefits is a very common request from business leaders and HR professionals these days. With the costs of employer-funded health insurance rising at double digit rates year over year, employers are shifting some costs on to employees or exploring caps. While expenses are rising very rapidly and having an effect on your bottom line, the “sleeping” costs of plan abuse are often overlooked by employers.  According to a report by the Canadian Health Care Anti-fraud association, fraudulent billing activity translates to between $1.2 and $6 Billion dollars on private health care plans each year. To a great extent, people get away with it because some plans design allow its members to get away it. While having investigation of health claims may first appear to be a good idea, one must consider that forensic accountants are not medical billing experts and a typical healthcare transaction doesn’t leave that many traces in the first place. In this article, we provide you three ways that will help you identify and reduce plan fraud and abuse, without giving up any of your benefits. Keep reading →

[Video] Maximizing Benefits Without Increasing Costs

On February 9th our General Manager Yafa Sakkejha was invited to a panel of Group Benefits Experts to discuss the potential impact on pension funds and some of the trends, challenges and opportunities for plan sponsors considering alternatives.

The 30 minute presentation touches topics on the structure of efficient plans which minimize waste, eliminate fraud, and synchronize with government programs and drug patient assistance programs. Keep reading →