Eligible Dependants
Insurable Spouse/Common-Law Partner
A member’s legal spouse or common-law partner is insurable. A common-law partner refers to a person who is living with the member in a conjugal relationship.
Note: In the case of separation, the former spouse is no longer eligible for coverage.
Insurable Child
A child is insurable from 24 hours of age, and remains insurable as long as the child is financially dependant on you and is:
- Unmarried, and is the natural, adopted, or step child of the member or insured spouse/common-law partner, or
- Unmarried, and the member or insured spouse/common-law partner has been appointed guardian for all purposes by a court of competent jurisdiction.
Where a member or the insured spouse/common-law partner is appointed guardian of a child, the child is not insurable unless Canada Life has received satisfactory proof of the guardianship. In addition, if the insured spouse/common-law partner is the guardian, the insured spouse/common-law partner must be living with the member.
A child age 21 or over is insurable if the child is financially dependant on you and is either:
- A full-time student and under the age of 25, or
- Incapacitated for a continuous period beginning:
- Before age 21, or
- While they are a full-time student.
Note: A child is considered a full-time student if they have been in registered attendance at an elementary school, high school, university, or similar educational institution for 15 hours a week or more within the previous six months. A child is not considered a full-time student if they are being paid to attend an educational institution.
A child is considered incapacitated if they are incapable of supporting themselves due to a physical or psychiatric disorder.