Your DGC Benefits Plan provides you and your family with valuable, affordable mental and physical health coverage and financial protection if you experience an illness, injury or disability. In this section, we explain how the plan works and what’s covered under each level.
The DGC Benefits Plan provides life insurance coverage as an important part of ensuring financial protection for your family.
Life insurance coverage for you and your family is based on your coverage level and age limits.
No evidence of insurability is required for coverage under the DGC Benefits Plan. In other words, you will not be required to provide proof of good health, complete a medical questionnaire, or undergo any medical exams.
You will be the automatic beneficiary of any death benefits paid due to the death of a spouse or eligible dependant child. You can name one or more beneficiary for any benefits paid in the event of your own death. When naming a beneficiary (or beneficiaries), keep the following in mind:
Multiple beneficiaries — If you appoint more than one beneficiary, each will receive an equal share, unless you specify otherwise.
Minor beneficiaries — If you name a minor as a beneficiary, he or she will not have access to any insurance payment until reaching the age of majority – unless you take the necessary legal steps. Those steps vary from province to province. Before naming a minor as your beneficiary, we recommend that you get legal assistance.
If you live in Quebec — If you name your legally married or civil union spouse as your beneficiary, you must check the “revocable” box if you want to be able to change your beneficiary in the future without the consent of your spouse. To change an “irrevocable” designation, you must have the consent of your spouse.
If you do not appoint a beneficiary — Death benefits will be paid to your estate.
To confirm or update your beneficiary on file, please contact AGA Benefit Solutions.
Keep in mind that life insurance coverage amounts for you and your dependants may change if your coverage level changes. For example, if you move from Level III coverage to Level II coverage, your life insurance coverage will be reduced. If you move to Level I coverage or Basic Coverage, your life insurance coverage will be reduced, and coverage for your dependants will end.
COVERAGE REDUCTION AT AGE 80
If you have Levels I, II, III, Life Member or Enhanced Life Member coverage, your coverage will be reduced automatically to $20,000 when you turn age 80. If you have Basic Coverage, your coverage will remain at $10,000 when you turn age 80.
Coverage for you ends when you are no longer a member in Active Good Standing.
Coverage for your spouse ends when you no longer have Level II or III coverage.
Coverage for a dependant child ends when you no longer have Level II or III coverage, or when that child no longer qualifies as a dependant — whichever comes first.
If you’re a Life Member — whether in Canada or international — your coverage will continue for as long as you are a DGC member.
