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.
Coverage under the DGC Benefits Plan is available to all members of the DGC who:
Coverage is subject to age limits.
If you are a new member of the DGC, your coverage in the DGC Benefits Plan may begin as of the date you became a member in Active Good Standing. (For members upgrading coverage, critical illness coverage begins on the date you register and pay for coverage with AGA Benefit Solutions.)
You are eligible for Life Member coverage if you are a recognized DGC Life Member. You must be a DGC member in Active Good Standing for at least 10 consecutive years as of turning age 65, or attain 10+ consecutive years in Active Good Standing at any age thereafter. Life Members are not required to have producer contributions, and you can choose to use dollar bank funds or pay to upgrade your coverage level, including to Enhanced Life Member coverage, if desired.
If you’re a Life Member who has been working, then you’ll of course qualify for the automatic coverage level based on your producer contributions. If your automatic coverage is Level I, you will receive Life Member coverage instead with the option of moving to Level I at no cost if you prefer. If you decide to move to Level I during the annual re-enrolment period, there will be no additional cost.
For the purposes of the DGC Benefits Plan, an eligible life status change can include:
Your coverage will be continued at the minimum of the level of your default coverage at:
This level of coverage will continue for two enrolment cycles.
Your coverage will be continued at the minimum of the level of your default coverage at the date of disability. This level of coverage will continue for up to two enrolment cycles.
If you wish to upgrade your coverage, within 31 days of your life status change, contact AGA Benefit Solutions. There is no additional premium required to add dependants if you already have Level II or Level III, which provide family coverage.
For the purposes of the DGC Benefits Plan, eligible dependants are defined as follows:
Note: Eligible dependants must have a Canadian primary residential address, and qualify for/have access to their provincial health plan.
Dependent child — The unmarried natural or adopted child, stepchild or legal ward of you and/or your spouse who is:
Spouse — This is the person of the same or opposite sex who is either:
Only those eligible family members who you registered as a dependant when you enrolled (or re-enrolled) will be eligible for health, dental, emergency out-of-country medical, critical illness and life insurance coverage — unless you experience an eligible life status change and advise AGA Benefit Solutions.
Keep in mind that if you qualify for Level II, Level III, Life Member or upgrade to Enhanced Life Member coverage, you must declare (list) all of your dependants when you enrol or re-enrol. If you do not identify dependants at enrolment, they will not be added to the plan and will not be eligible for coverage, unless you have an eligible life status change.
