Overview
Some Accessory benefits, like Group Travel or Excess Medical, have specific requirements for dependant children.
This applies only to certain insured or accessory benefits, not Health or Wellness accounts
Most dependant children are covered under a parent’s benefits Plan until they turn 21.
After that, they can stay covered only in specific situations.
One of these situations is for dependants who have a mental or physical disability that affects their ability to work or live independently.
In these cases, we’ll need the proof that the dependant has an approved Disability Tax Credit (DTC) or is enrolled in a provincial or territorial disability support program to maintain coverage.
This article explains why we may ask for disability related documentation and what we can accept.
The details
Why disability documentation may be needed
Our Partners set the eligibility rules for over-age dependants.
A dependant over age 21 may remain covered if they meet one of two conditions:
- They are a full-time student (coverage typically up to age 25), or
- They have a qualifying disability that prevents self-sustaining employment
For disability-based eligibility, our Partners often use DTC approval or enrolment in a provincial or territorial disability support program as the required proof.
This documentation allows Blendable to:
- Confirm the dependant meets the Partner's eligibility criteria
- Ensure coverage is active and uninterrupted
What you may be asked to provide
If your dependant’s eligibility is based on disability, acceptable documents include:
- A CRA-issued DTC approval letter
- A copy of the approved Form T2201
- Proof of enrolment in a provincial or territorial disability support program
Digital uploads, photos, or scans are acceptable as long as the information is clear.
Blendable’s role
Blendable is your Third-Party Administrator (TPA) for these types of benefits. Basically, we help manage parts of a benefit on behalf of an insurance provider.
This means we:
- Collect the documents
- Check that they meet our Partner’s rules
- Update your dependant’s eligibility
We don’t decide who qualifies as disabled for insurance or share this documentation with employers. We also can’t approve or deny the DTC, that’s the CRA.
Anything else?
Want more information about dependants for your Accessory benefits? You can read more in your benefit booklet. Just login to your Member Centre, click on Accessory benefits, and then select the benefit booklet from the Resources list.
Still not sure if your dependant child qualifies for continued coverage? Reach out via the Support Form in your Member Centre or say hello@blendable.ca. We’re happy to help!