Human Resources

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Human Resources

Human Resources

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Definition of an Insurable Dependent

Covered dependents of an insured member include:

  • a legal spouse or common law spouse or partner* (which includes spouses covered by the terms of a separation agreement) or former spouse (divorced or ex-common-law spouses for whom continued insurance coverage is mandated by a court order);

  • unmarried natural, adopted, or step-children of the employee or the insured spouse or any other unmarried children for whom the employee or the insured spouse has been appointed guardian for all purposes by a court of competent jurisdiction; and

    • under 21 provided they rely fully upon the employee for support and maintenance;

    • unmarried children under 25 years of age and continuing to attend an accredited educational institution, college or university on a full-time basis provided they rely fully upon the employee for support and maintenance; and/or

    • upon approval by Great West Life, any mentally or physically disabled child past the maximum ages stated above (age 21 or age 25 if in school) provided they became disabled prior to the maximum ages and the disability has been continuous. The child, upon reaching the maximum age, must still be incapable of self-sustaining employment and be completely dependent on the employee for support and maintenance.

*A common-law spouse or partner means a person who is living with the employee in a common-law relationship. A common-law relationship is considered to exist where two persons have lived together in a conjugal relationship for at least 12 months.