To view, add or deactivate dependants, simply click on My Benefits in your Member Centre dashboard then select Dependants in the dropdown.
Add a Dependant
To add a dependant, we'll ask you everything we need to know. The Effective date is the tricky part.
Effective date: Determining eligibility for claims
This is the effective date for your dependant's eligibility on your benefit plan features. If your dependant was current as of the start of your Health Spending Account and any Accessory or Peace of Mind features, you should use that date for eligibility purposes. Check your benefit features to determine your start date. Click on My Benefits then choose Benefits Overview from the dropdown.
If you got married, adopted or had a baby after your benefit feature started, you should use that date.
It's important to get this date right to avoid negative tax implications if you submit a claim that is ineligible.
While in most cases, your dependant will be eligible on your benefit features when you become eligible, some won't be so it's important to be specific when adding dependants.
We don't make that assumption and neither does our system. It is important to get eligibility right in the case you are subject to a review or audit by CRA. Remember that eligible medical expenses reimbursed through Health Spending Account and Enhanced Health Blend (EHB) features are not taxed. So CRA dictates eligibility.
Read more about Health Spending Account dependants in this Help Centre article. Dependant eligibility guidelines for other features vary and are defined in your benefits booklet for that feature.
Here's some example scenarios where a dependant wouldn't be eligible on your start date:
The effective start date on your Health Spending Account for a new baby or adoptive child would be the happy date they joined your family.
The effective date for a new spouse (congrats!) would be your wedding date.
Your HSA or your EHB may have started when you had been living with your common law spouse for 6 months. That individual won't be eligible as a dependant until they meet the 12 month test. CRA wants to see some stick-to-it-iveness.
When adding dependants in your online Member Centre, please be sure to enter the Effective date.
If you don't add a date, the system will use the current date and will define eligibility based on that.
If you entered the wrong date, you'll need to let us know so that we can change it for you because we'll need a justified reason for changing it in the paper trail. Simply submit a support request or email us at email@example.com. Yeah CRA's rules create work for both of us!
Deactivate a Dependant
If something changes in your life and a dependant should no longer be effective, you can deactivate them by viewing your dependants and clicking the Deactivate button.
Our system will take care of dependant eligibility on features such as Group Travel. For example when your dependant son turns 21 and should no longer be eligible for coverage, our system will switch it off. Note that if your son continues to be eligible by virtue of being a full time student, you can contact us to change that eligibility.