Frequently asked questions
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Frequently asked questions

about Engineers Canada-sponsored Plans

General

Important Information for OIQ Members - what do I need to know?

The Ordre des ingénieurs du Québec (OIQ) Board of Directors has made the decision to terminate OIQ’s eligibility under the Engineers Canada-sponsored program with Manulife. The chart below provides details on next steps, coverage status and availability of each Engineers Canada-sponsored insurance plan if you are currently an OIQ insured member:
Engineers Canada-sponsored Plan

Next Steps for

Current OIQ Insured Members

Coverage Changes Availability for New Members
Term Life Become a member of Genium360 by April 1, 2018

None

 

Effective April 1, 2018 applicants must be members of Genium360 to be eligible to purchase.
Major Accident Protection Become a member of Genium360 by April 1, 2018 None Effective April 1, 2018 applicants must be members of Genium360 to be eligible to purchase.
Disability Income Become a member of Genium360 by September 1, 2018 None Effective September 1, 2018 applicants must be members of Genium360 to be eligible to purchase.
Business Office Overhead Expense Become a member of Genium360 by September 1, 2018 None Effective September 1, 2018 applicants must be members of Genium360 to be eligible to purchase.
Prime Health & Dental (RAMQ) Plan eligibility has been terminated by OIQ effective September 1, 2018. Current insureds will continue to be insured until that date

Plan will automatically terminate

Sept. 1, 2018

Plan terminates on Sept 1, 2018. Members who do not have access to a private or group plan should take steps to register with RAMQ.*
Professional Retiree Health & Dental (RAMQ) Plan eligibility has been terminated by OIQ effective September 1, 2018. Current insureds will continue to be insured until that date

Plan will automatically terminate

Sept. 1, 2018

Plan terminates on Sept 1, 2018. Members who do not have access to a private or group plan should take steps to register with RAMQ*.

Professional Retiree Health & Dental

(NON-RAMQ)

No Action required. None

Will only be available for purchase until

September 1, 2018*

Critical Illness No Action required None

Will only be available for purchase until

September 1, 2018

Manulife One No Action required None

Will only be available for purchase until

September 1, 2018

*If you wish to apply for Professional Retiree Health and Dental Plan (Non-RAMQ Equivalent) to cover your extended health care and dental needs or to supplement your RAMQ coverage you will need to apply before September 1, 2018 for it to be effective on this date and going forward. This plan will not be available to residents of Quebec after this date.

 

1. When will this happen?

The OIQ’s withdrawal from the Engineers Canada-sponsored insurance program will take effect on the Anniversary date for each specific program. For the Term Life Program, which includes Term Life and Major Accident Protection, OIQ member eligibility will be removed effective April 1, 2018. For the Accident & Sickness program, which includes Disability, Office Overhead, Extended Health & Dental, OIQ member eligibility will be removed effective September 1, 2018.

2. What does this mean for those that are insured under the Engineers Canada-sponsored program?

OIQ members will no longer be eligible under the Engineers Canada-sponsored program. Manulife will not be automatically terminating policies. Members will need to contact Manulife Customer Service to cancel their insurance if they so choose. This must be provided in writing.

3. What if insured wants to keep their coverage in place?

In order to be eligible under the Engineers Canada-sponsored insurance program, insured members must be a registered member of Genium360 (formerly known as Réseau des ingénieurs du Québec or RéseauIQ). This group was established by OIQ back in 2002 as an engineering advocacy group, and most recently as a network of services for engineering professionals connecting with the engineering community.

4. How does one become a member of Genium360?

Register online - https://www.genium360.ca/en-us/user/register/. If you are unsure about your Genium360 membership status, email Genium360 Customer Service at info@genium360.ca

5. What is the cost to become a member of Genium360?

There is no cost associated with becoming a member of Genium360.

6. Will I get a new certificate number?

No, there will be no change to your certificate number. Provisions outlined in the certificate remain the same.

7. As a Genium360 member can they access the Quebec Government RAMQ Drug plan?

Yes, Genium360 membership will not obligate members to participate in a specific private prescription drug insurance plan. However, to comply with the Act respecting Prescription Drug Insurance, Genium360 members who will not have access to any private plan (employer plan or spouses plan) can register for the RAMQ public plan according to the terms and conditions described on the RAMQ’s site.

If an insured member has a Prime Health & Dental Plan or Professional Retiree RAMQ equivalent Health & Dental Plan, as of September 1, 2018, he/she can cancel his/her existing coverage. If the insured member is looking to keep extended health care and dental benefits, but would like to get part of their drug coverage covered through the Public Prescription Drug Insurance Plan of the Régie de l’assurance maladie du Québec (RAMQ), the insured member should contact Manulife Customer Service, who can help the member transfer their existing plan to a supplemental plan, such as the Professional Retiree Health & Dental non-RAMQ equivalent plan.

8. What products will the Genium360 be endorsing/offering its members after August 31st 2018? What happens to my coverage after this date?

Plans currently offered under the Engineers Canada-sponsored program offered through Manulife:

Under the Term Life group plan, Genium360 will continue to offer/promote:

  1. Term Life Insurance Plan – includes Spousal Life coverage and Child Life and Accident
  2. Major Accident Protection Plan (MAP) –includes Spousal MAP

No change impacted by OIQ’s withdrawal from the program, members can keep their existing coverage and purchase additional coverage.

Under the Accident & Sickness group plan, Genium360 will offer/promote:

  1. Disability Income Replacement Plan
  2. Business Office Overhead Expense Plan

No change impacted by OIQ’s withdrawal from the program, members can keep their existing coverage and purchase additional coverage.

Genium360 will NOT promote/offer the following under the Accident & Sickness group plan:

  1. Prime Health & Dental Insurance Plan (RAMQ Equivalent)
  2. Prime Prescription Drug Insurance Plan (RAMQ Equivalent)
  3. Prime Dental Insurance Plan

RAMQ equivalent plans will be cancelled.

In addition, Genium360 will NOT promote/offer the following individual insurance plans offered under the Engineers Canada-sponsored insurance program:

  1. Critical Illness Insurance
  2. Professional Retiree Health & Dental Insurance Plan (RAMQ Equivalent)
  3. Professional Retiree Health & Dental Insurance Plan (Non-RAMQ Equivalent/ Supplemental)

Insured members with Critical Illness insurance and Professional Retiree Health & Dental Insurance (Non-RAMQ Equivalent / Supplemental) plans can keep their coverage in place, however, they cannot purchase additional coverage. Professional Retiree Health & Dental Insurance Plan (RAMQ Equivalent) will be terminated.

9. Will Manulife verify my membership with Genium360?

In May 2018, a final verification will take place. Manulife will work with Genium360 to cross reference insured list against the Genium360 member list. Only those who do not have membership with Genium360 will be contacted.

10. I received a letter notifying me of OIQ terminating coverage under Engineers Canada sponsored insurance program but I am not a member of OIQ.

If you are a member of Corporation professionelle des technologues professionnels du Quebec, Ordre des Geologues du Qubec or Ordre des Architectes du Quebec, please accept our apologies as you have received this letter in error. Unfortunately, your member affiliation was not captured correctly in our records. Please update your member affiliation by sending an email to Chris_Borg@manulife.com. Please include your name, date or birth and the name of the association you belong to.

 

When will my coverage begin? 

In all cases, you will receive a Certificate specifying your coverage and the main policy provisions. If you are not insurable, you will receive a full refund of the premiums you paid.

What if I smoke occasionally?
You are only eligible for non-smoker rates if, as of the date your application is received by Manulife, you have not smoked any cigarettes in the past 12 months. If you are already covered and you begin smoking, you must notify us so that we can adjust your premiums accordingly.
What if I quit smoking after I am covered?
After 12 months of not smoking cigarettes, you may complete the Application for change to non-smoker rates and return to Manulife. If it is approved, your lower non-smoker rates will begin on the 1st of the month following our receipt of your non-smoker application.
I have received my Premium Notice. What should I do?
If the payment method you chose is either credit card or Pre-Authorized Debit (PAD), and the account number shown on your Premium Notice is correct, you don't need to do anything - Manulife will process your payment automatically. If your payment method is by cheque, send a cheque for the full amount to Manulife by your Policy Anniversary Date.
How do I change my payment method?
You can change your payment method online. Or if you prefer, simply fill out the form on the back of your Premium Notice and mail it to Manulife.
How do I update my mailing address, telephone number or e-mail address?
How do I change my beneficiary?
You can change your beneficiary by completing and signing a Change of Beneficiary form and mailing it to Manulife. If your current beneficiary is irrevocable or preferred, you will need your beneficiary's consent to make this change. In Quebec, a spouse designated as beneficiary is irrevocable unless otherwise stated.
How do I increase my coverage?
To apply for increased coverage, simply complete another application for the additional coverage amount, then send it to Manulife. You can apply online for Term Life or Major Accident, or download a printer-ready application.  You can contact your authorized representative for help completing your application for the Health Care Plan, Dental Care Plan, Disability Income Replacement Plan or Business Overhead Expense Plan. You can also increase your coverage by calling Manulife at 1-877-598-2273.
How do I request an additional brochure and application?

You can request a printed brochure and application by contacting Manulife toll-free at 1-877-598-2273 Monday through Friday, from 8 a.m. to 8 p.m. ET, or e-mail am_service@manulife.com any time.

Please do not include any credit card account numbers in your email message to us.

How do I cancel my coverage?

To cancel your coverage and get a refund of your premiums, you must return your Policy or Certificate of Insurance to Manulife along with your written and signed cancellation request within the following number of days:

  • within 30 days of receiving your Certificate or Policy for any new Term Life, Major Accident, Critical Illness or Child Life coverage
  • within 10 days of receiving your Certificate or Policy for any new Disability Income, Business Overhead Expense, Health Care or Dental Care coverage

Your coverage will end beginning on the payment due date following the date on which we receive your cancellation request.

If you later choose to re-apply, you must complete another application and meet the medical qualifications required of any new applicant. However, if you terminate your Health Care, Dental Care, Disability Income or Business Overhead Expense coverage after two years to join an employer group plan, you may be eligible to rejoin these Plans later and reinstate your original coverage, without providing proof of health. If you are unsure about cancelling your coverage, please contact us and we will try to help.

Where can I get insurance advice?
Your authorized insurance representative can discuss all the Engineers Canada-sponsored insurance plans with you. To locate your local insurance representative, click here.
What if I have other questions?

You can contact Manulife's customer service representatives through this online contact form, by calling toll-free 1-877-598-2273 (Monday to Friday, 8 a.m. to 8 p.m. ET), or by e-mail at am_service@manulife.com.

Please do not include any credit card account numbers in your email message to us.

Term Life

Do I have to maintain my membership in my provincial or territorial engineering licensing association to stay covered?
Ongoing membership is a requirement to be covered under the Term Life Plan. Ongoing membership is not a requirement under the Insurance Continuation Benefit.
What happens to my spouse's coverage if I die?
Under the Term Life Plan, if you die your insured spouse will be given the option to continue his or her coverage under the Plan.
Will my Term Life premiums increase with age?
Based on the current rate structure, premiums do increase with age every five years, specifically at ages 31, 36, 41, 46, 51 and so on. 
Can I convert my Term Life coverage to an individual policy?
If you cancel your Term Life insurance, you may within 31 days apply to convert your insurance to selected individual plans without an additional medical examination or extra health questions to answer. You simply pay the rates for the individual plan that apply to your age at the time of conversion. Contact us for more information.

Prime Health & Dental Insurance

I only see rates to age 64 on the website. Does this mean that Extended Health Care coverage ends at 65?
Coverage under Extended Health Care can be maintained past age 65. Please contact us for the rates that apply to those over 65 years of age.
What is the annual limit per practitioner under medical practitioners (such as chiropractors, massage therapists, psychologists, etc.)?
There is annual $500 limit for each practitioner
What are the limits per eligible expense, per person?
Eye exams - $50 every 24 months
Prescription eyewear - $200 every 24 months
Medical practitioner - $500 per practitioner, per calendar year
Private duty nursing - $10,000 for any one injury or sickness every 12 months
Hearing aids - $500 every 5 years
Orthotics and orthopaedic shoes - $200 (combined) per calendar year
Glucometers - $500 per calendar year
Accidental dental - $750 per tooth
Prescribed vaccines (required for out-of-Canada travel) - $250 per calendar year
Repatriation - $15,000 per injury or sickness
Dental care - $1,500 per calendar year

Professional Retiree Health & Dental Insurance

What's the difference between the Prime Health & Dental plan versus the new Professional Retiree Health & Dental plan?
If you purchase the Prime plan, you will be purchasing the Dental Care coverage separately from the Extended Health Care coverage - so there are two quotes. However, when you purchase one of the three options of the new Professional Retiree plan, you get a quote for both Health and Dental combined. Also, the Prime plan lifetime maximum for claims outside Canada is reduced to $12,500, while it remains the same under the new Professional Retiree plan. To see the difference in coverage levels for each of the plan benefits, click on the See all plans tab.
What is the annual limit per practitioner under medical practitioners (such as chiropractors, massage therapists, psychologists, etc.)?
Under the new Professional Retiree plans, the combined max claims per year are $600 for the Base plan, $650 for the Bridge plan, and $700 for the Comprehensive plan.
How do I get my Health and Dental premium (tax) receipt?
You can obtain your previous year's Health & Dental premium (tax) receipt by going online to edocs.memberhealthplan.com. Receipts will be available on the first business day in February. To access your receipt you will need your plan and identification number found on your benefit card. If you have any questions or need assistance on this process, please contact 1-800-268-3763.

Health & Dental Insurance for Residence of Quebec

What does "prescription drug coverage at least equivalent to that provided by RAMQ"€ mean?
This means that the prescription drug coverage provided under the Engineers Canada-sponsored plan is at least equal to or better than the coverage offered under the public prescription drug plan provided by RAMQ (the RAMQ plan). OIQ members under the age of 65 who are not eligible for coverage under a similar private group plan are obligated under the Act to purchase prescription drug coverage at least equivalent to that provided by RAMQ.
What does "supplemental prescription drug coverage option available after age 65"€ mean?
At age 65, you are automatically covered under the RAMQ plan, unless you "unregister". What this means is that, once you turn 65, you have the choice of continuing to be covered by your current Manulife plan for prescription drugs or moving to the RAMQ plan. We recognize that, even if you do move to the RAMQ plan, you may still want to keep the other benefits you currently have under Manulife. In this situation, we can provide supplemental coverage for certain prescription drug costs not covered by RAMQ, while leaving all other benefits the same. You must contact Manulife to set this up.
What happens with my prescription drug coverage at age 65 under the Prescription Drug, EHC Under Age 65 and EHC + Dental Under Age 65?

For these plans, the prescription drug coverage terminates at age 65. You will then be automatically covered under the RAMQ plan for prescription drug coverage. For the EHC Under Age 65 and the EHC + Dental Under Age 65 plans, you are automatically transferred to the EHC Over Age 65 plan when you turn 65. Your benefits remain the same, except that there will be: 

  • no prescription drug coverage 
  • no dental care coverage if you were under the EHC + Dental Under Age 65 plan 
  • a reduction in travel coverage 
  • a reduction in your lifetime maximums
What is the difference between the EHC Under Age 65 and EHC + Dental Under Age 65 plans?
They are the same plans, except that the EHC + Dental Under Age 65 also includes dental coverage.
Are my spouse and my dependent children eligible for Engineers Canada-sponsored coverage?
Yes, your spouse and children are also eligible for benefits. To be eligible, children must be under age 21 at the time of application and benefits will be extended to age 25 for full-time students. Covered children who are incapacitated and dependant on you for support will be covered up to any age.
There are a lot of plans available, how do I make my choice?

Each plan was conceived to fulfill specific needs. We recommend that you speak with a Manulife representative in order to make the best choice possible, according to your own unique situation. To help you start thinking about what choices are best for you, we have included some quick tips that will help you guide your choice: 

  1. Are you looking only for prescription drug coverage? 
    1. If so, then the Prime - Prescription Drug plan may be a good choice for you. 
  2. Are you looking for prescription drug coverage and extended health care benefits, but you don't need dental coverage? 
    1. If so, then the Prime - EHC under age 65 may be a good choice for you. 
  3. Are you looking for a plan that covers all of the major benefits (drugs, dental, extended health care, travel), but that does not require a medical questionnaire? 
    1. If so, then the Professional - Base plan may be a good choice for you. 
  4. Do you like travelling, and intend to continue travelling for a long time? 
    1. If so, then the Professional plan may be a good choice for you, since the travel coverage continues up to age 80. 
  5. Are you currently covered under a group plan but will soon be losing your coverage, or have you been recently covered under a group plan? Are you looking for a comprehensive plan, that covers all benefits (drugs, dental, extended health care, travel) and that does not require a medical questionnaire? 
    1. If you have answered yes to both questions, then the Professional - Bridge plan is likely a good choice for you, since the plan does not require a medical questionnaire in the 60 days of losing a group health plan. 
  6. Are you in a good health and looking for a comprehensive plan that covers all benefits (drugs, dental, extended health care, travel), with a generous plan design? 
    1. If so, then the Professional - Comprehensive plan may be a good choice for you.

Please Note: The comments above are provided for information purposes only. They are not intended to be and should not in any way be construed as constituting legal advice or product recommendations.

Disability Income Insurance

What is "earned income"?
Earned income means wages, salaries, bonuses, commissions, professional fees, net earnings from self-employment and other remuneration received for personal services actually performed during the period for which computation is being made.
I already have disability coverage at work. Why would I need additional coverage?
If your existing insurance is less than what you're eligible for based on your earnings, you can top it up to get maximum coverage. You can buy coverage equal to the difference between (1) the benefit provided by your current plan and (2) the additional amounts available through this Disability Income Replacement Plan.
Are disability benefits taxable or non-taxable?
It depends. If your employer currently pays for your coverage under your employee plans, any benefits actually paid to you during a disability leave will be taxable as income (under current tax rules). By paying for your own coverage under this Disability Income Replacement Plan, you can select the additional coverage you want - and any benefits you receive would be tax-free income.
What happens to my disability coverage at work if I become self-employed?
Most employee group disability coverage is not portable; it will end when you are no longer an employee. If you become uninsured in your later years, you may not qualify for individual disability coverage due to your age or deteriorating health. If you purchase coverage under this Disability Income Replacement Plan while you are still employed, you can take this coverage with you if you leave to become self-employed.

Critical Illness Insurance

What are the complete definitions of the covered conditions?

Life-threatening cancer: A tumour characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue as confirmed by histological examination of tissue samples.

Heart attack (myocardial infarction): The death of a portion of the heart muscle due to atherosclerotic heart disease. The diagnosis must be based on all of the following criteria occurring at the same time:

  • New episode of typical chest pain or equivalent symptoms; and
  • Resulting from the blockage of one or more coronary arteries; and
  • New electrocardiographic changes indicative of myocardial infarction; and
  • Biochemical evidence of myocardial necrosis including elevated cardiac enzymes and/or troponin.

Stroke: A cerebrovascular incident causing infarction of your brain tissue, due to intracranial hemorrhage, thrombosis or embolism, producing a new measurable permanent clinical neurological deficit persisting for at least thirty (30) days following the occurrence of the stroke.

Coronary artery bypass surgery: You have undergone heart surgery to correct narrowing or blockage of one or more coronary arteries with bypass grafts.

Kidney failure: End stage renal disease, due to whatever cause or causes, as a result of which you are undergoing peritoneal dialysis or haemodialysis on a regular basis or have received a transplanted human kidney.

Major organ transplant: You have undergone transplantation of a human heart, liver, lung or kidney due to irreversible failure of such organ, or you have received transplanted human bone marrow.

Blindness: Total and permanent loss of sight in both eyes, as confirmed by a qualified ophthalmologist. The corrected visual acuity must be worse than 20/200 in both eyes, or the field of vision must be less than 20 degrees in both eyes.

Deafness: Total, permanent and profound loss of hearing in both ears, with an auditory threshold of 90 decibels or greater within the speech threshold of 500 to 3,000 cycles per second, as confirmed by a doctor who is a certified otolaryngologist, and such loss of hearing cannot be corrected by any hearing aid, implant or device.

Multiple sclerosis: The unequivocal diagnosis of definite multiple sclerosis by a doctor who is a certified neurologist. The diagnosis must be based on well-defined neurological abnormalities on physical examination persisting for a continuous period of at least one hundred and eighty (180) days and confirmed by imaging techniques.

Paralysis: Complete and permanent loss of use of two or more limbs for a continuous period of ninety days following the precipitating event, during which time there has been no sign of improvement.

Coma: A state of unconsciousness, with no reaction to external stimuli or response to internal needs, continuing for at least four (4) days.

Burns: Third degree burns covering at least 20% of the surface area of the body. The diagnosis must be confirmed by a certified plastic surgeon.

Loss of speech: Total and irreversible loss of the ability to speak as the result of physical injury or disease which loss continues for a continuous period of at least one hundred and eighty (180) days.

Loss of limbs: The irreversible severance of two or more limbs at or above a point that is proximal to the wrist or ankle joint as the result of an accident or medically required amputation.

Motor neuron disease: You receive an unequivocal diagnosis, by a doctor who is a certified neurologist, that you have one of the following: amyotrophic lateral sclerosis (A.L.S. or Lou Gehrig's disease), primary lateral sclerosis, progressive spinal muscular atrophy, progressive bulbar palsy, or pseudo bulbar palsy, and limited to these entities. The diagnosis must be accompanied by typical progressive neurological findings on physical examination for at least one hundred and eighty (180) days.

Aortic surgery: The undergoing of surgery for disease of the thoracic or abdominal aorta, requiring excision of the diseased segment of the aorta and replacement of it with a graft.

Alzheimer's disease: The definite diagnosis of Alzheimer's disease, by a doctor who is a certified neurologist, with progressive degeneration of the brain, memory and the ability to reason and perceive. You must exhibit the loss of intellectual capacity involving impairment of memory and judgment, which results in such a significant reduction of mental and social functioning as to require continuous daily supervision.

Parkinson's disease: The diagnosis, by a doctor who is a certified neurologist, of primary idiopathic Parkinson's disease, characterized by two or more of the following clinical manifestations:

  • Muscle rigidity
  • Tremor
  • Bradykinesis (abnormal slowness of movement, sluggishness of physical and mental responses)

 

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