To participate in the plan, you must be a CUPE member in Local 1145, 1770, 1775 or 3260 and reside in Canada. In addition, depending on the type of coverage, you must meet the following conditions:

Coverage	You must be…
Health, travel and dental	a permanent full-time employee, or a permanent part-time employee working fewer hours than a permanent full-time employee but at least 5 hours per week. You can opt out if you work less than 20 hours per week. Note: If your employment ended, you may be eligible for retiree benefits.
Life insurance and long-term disability	employed on a regular, full-time basis, scheduled to work, and working the prescribed hours for the respective classification, or employed on a regular, part-time basis, scheduled to work, and working at least 5 hours per week. Note: You must be compensated by your employer for services rendered in the normal course of your employer’s business.
AD&D insurance	a permanent full-time employee, or a permanent part-time employee working at least 5 hours per week.

For life, long-term disability and AD&D insurance coverage, you must be employed by an employer in a classification as specified in schedule A, B, C or D of the Collective Agreement between the Province of Prince Edward Island and the Canadian Union of Public Employees, Locals 1145, 1770 and 1775 or in Article 38 of the Collective Agreement for Local 3260.

Your spouse and children are also eligible for coverage provided they meet the official definitions of spouse and children.

Restriction for Family Members for Optional AD&D

No eligible individual may be covered more than once under the optional AD&D insurance policy. In other words, if you are covered as an employee or retiree, you cannot be covered as a spouse or dependent child of another employee or retiree who is also covered under the plan. In addition, only one spouse can choose coverage for dependent children. Your spouse and eligible children can only be insured if you are covered under the plan.

All coverage for you and your dependents (except for optional life and AD&D insurance) will normally begin as soon as you are eligible, provided you enrol within 31 days following your date of employment.

If you apply for optional life coverage within 31 days following your eligibility date, a portion of the coverage (up to $30,000 for yourself and spouse and $10,000 for each child) will come into effect on the date Johnson Inc. receives your application. The difference, if any, will take effect once the insurer approves your proof of good health.

For optional critical illness insurance, if you apply for coverage within 31 days following your eligibility date, a portion of the coverage (up to $50,000 for yourself and spouse) will come into effect on the date Johnson Inc. receives your application. The difference, if any, will take effect once the insurer approves your proof of good health.

If you apply for any optional AD&D insurance, coverage will come into effect on the first of the month after Johnson Inc. receives your application.

If you are not actively at work when your coverage is to begin, your coverage will only start when you return to active work with regular earnings.

Coverage ends for you and your dependents as follows:

Health, travel and dental	When you leave your employment or retire, whichever is earliest. If you had coverage as an active employee, you are eligible to join the Retiree plan at retirement.
Long-term disability	Age 62 less the qualifying period, or when you leave your employment or retire, whichever is earliest.
Basic life (includes blanket life)	When you leave your employment or retire, whichever occurs first. When your coverage ends and you’re under age 65, you have 31 days to convert your coverage to an individual policy if you wish to do so. Life insurance conversion applies to all or part of the life insurance where the person under this policy terminates on or before their 65th birthday.
Basic AD&D (includes blanket AD&D)	When you leave your employment or retire, whichever occurs first. When your coverage ends, you have 31 days to convert your coverage to an individual policy if you wish to do so.
Optional life	Age 65, or when you leave your employment or retire, whichever occurs first. When your coverage ends and you’re under age 65, you have 31 days to convert your coverage to an individual policy if you wish to do so.
Optional AD&D	Age 65, or when you leave your employment or retire, whichever occurs first. When your coverage ends, you have 31 days to convert your coverage to an individual policy if you wish to do so.
Optional critical illness insurance	Age 65, or when you leave your employment or retire, whichever occurs first.

Coverage can also end for the following reasons:

When your coverage ends

The earliest of the last day of the month coinciding with or following the date: you no longer satisfy the definition of an eligible employee, you request termination of coverage (not applicable to basic life and AD&D and long-term disability coverage), you are no longer actively employed, your employer terminates your coverage, this plan terminates or coverage for the group, division or class to which you belong is terminated, you become a full-time member of the armed forces (not applicable to AD&D coverage), you no longer pay the premium for your coverage, where applicable, your death (except for health, dental and travel for your dependents).

When your dependents’ coverage ends

The earliest of the last day of the month coinciding with or following the date: your coverage ends, this plan terminates, you ask to end dependent coverage, the dependent no longer satisfies the definition of dependent, dependent coverage is terminated under the policies, you no longer pay the premium for your dependent coverage.