My spouse also has a benefit plan. How can we claim under both plans?

This is called Coordination of Benefits (COB). You must notify your Benefits Specialist of any changes regarding coordination of benefits. The following steps will help you submit a COB claim:

• To determine which insurer pays a claim, you and your spouse must submit claims to your own plan first. Children must submit their claims to the plan of the parent with the earlier birth date in the calendar year.
• Take photocopies of your claim and receipts.
• Submit your original claim forms and receipts to the insurer who is the first payer based on the above criteria.
• Once you receive your cheque and statement, complete a new claim form, ensuring you include your spouse’s plan and ID numbers. Attach to this claim the statement from the insurer and photocopies of your original claim and receipts. Submit this information to the coordinating plan.

Notes:

• If your spouse is also insured with Canada Life, submit your claim form indicating both plan numbers. Canada Life will look after coordinating between the plans. You will receive two separate cheques.
• If you and your spouse are both employees of Carleton, you may co-ordinate benefits as of May 1, 2020.