GENERAL INFORMATION
How do I apply?
Complete the application form, including the short medical questionnaire. Premiums are calculated from the first of the month following the date of application to March 31. Cheques should be made payable to CA Insurance Plans West.
Age for calculation of premiums means age at the beginning of the policy year (April 1). Premiums increase with age for all insurance other than Accidental Death and Dismemberment.
Is a medical exam required?
Great-West Life, at its expense, may request a medical examination of any applicant. You will be notified if a medical is required.
When does the insurance take effect?
Insurance will take effect on the date the completed application is approved by Great-West Life. In the event the applicant is not insurable, any premium deposit will be refunded.
When are premiums due?
Premiums are due annually on April 1. Insurance will lapse on May 1 if the premium has not been paid. Premiums may be paid monthly by automatic withdrawals.
Are premiums waived during disability?
For long term disability and office overhead, premiums will be waived retroactively after six months of total disability. For term life, if you become totally and permanently disabled, premiums will be waived as long as disability continues, but not past age 71. Satisfactory proof of disability must be submitted within one year.
Are LTD benefits taxable?
Under current legislation, LTD benefits are received tax-free, as long as the premiums have not been deducted from taxable income. Our plan assumes you are paying the premium personally.
Can I switch from standard to non-smoker rate?
Insured's who stop using tobacco products for one year may apply for non-smoker rates.
Is my insurance guaranteed?
Your individual insurance coverage will not be cancelled, nor will renewal be refused, provided you maintain your eligibility and pay the premiums within 30 days of due date, while the master policy is in force.
Is this insurance portable?
This insurance, except for Office Overhead Expense, may be continued wherever you move, providing eligibility is maintained and the annual premiums are paid as they fall due. In the event of disability, you must return to Canada in order for benefits to commence. Applications for additional coverage can only be accepted from members resident in Canada and United States.
How do I make a claim?
Please submit claims promptly.
Claim forms are available from:
CA Insurance Plans West
10309C - 100 Avenue
Fort Saskatchewan, Alberta
T8L 1Y9
Telephone: 780.998.1798
Toll Free: 1.800.661.6430
Fax: 780.997.6467
E-mail: mail@caipw.ca
Master Contracts
This summary is for information purposes only. Benefits will be provided in accordance with the terms of the master contract. These contracts may be amended by mutual agreement between the insurer and CAIPW.
Other Services
Home Insurance (and auto in Alberta)
TD Meloche Monnex
1.877.494.7887
www.melochemonnex.com
Office Contents
Underwriter - Gore Mutual;
Servicing broker, Metrix
604.683.5583
Premium Refunds
Favorable claims experience has enabled CAIPW to provide refunds of the life and long term disability insurance premiums. Since 1981, over $25 million has been refunded to members.
Website Terms & Limitations
This website is for information purposes only. Benefits will be provided in accordance with the terms of the master contracts. These contracts may be amended by mutual agreement between the Insurer and CAIPW.
Term life, long term disability extended health and dental insurance is underwritten by Great West Life Assurance Company, policy 335693, 335694 and 56579. Accidental death and dismemberment insurance is underwritten by Idustrial Alliance Pacific Life Insurance Company, group policy 100005361.
