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Frequently Asked Questions

Frequently Asked Questions


Becoming a member

Q: How do I become a member of the CSAE?

A: CSAE Executive groups are eligible for membership. Interested Executives’ should contact the Canadian Society of Association Executives (CSAE) for further details.

Q: How do I become eligible for participation in the CSAE Group Insurance Program?

A: Participation in the CSAE Group Insurance Program is an exclusive membership privilege offered by CSAE.  Interested CSAE members or prospective members should contact Morneau Shepell.

Q: How does a volume purchasing program work to get discounted rates?

A: Individual members looking for insurance are grouped together under the same umbrella. Instead of applying for individual insurance where the rates are adjusted based on personal claims, we purchase insurance for the group as a whole. Insurance companies give the association volume purchasing discounts. The block of business and the rates are adjusted according to the entire pool’s experience.

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Billing

Q: When is my premium payment due?

A: Payment is due the first business day of the billing month (i.e. January 1 for January). Most invoices are mailed weeks prior to the due date.

Q: How and when do the rates change?

A: During an annual renewal of the plan, the insurance company examines the entire pool’s claims experience and other external factors such as inflation. They then determine the rate changes needed to support the claims in the coming year. We do negotiate these renewals on your behalf to ensure that they are remaining as competitive as possible. Rates also factor in age, family status, smoking status, and province of residence.

Q: When are notices of employee changes due?

A: To ensure that employee coverage changes (e.g., new hires, terminations, etc...) are added to your next premium statement, notify Morneau Shepell, using the Group Insurance Change Form, prior to the 12th of the month.

Q: Is it required that I adjust my monthly premium payment to reflect the changes I am submitting?

A: No. You can submit changes without adjusting the premium amount due. Your next invoice will indicate the credit or the back charges for the changes submitted.

Q: I have a new hire who needs to be added to the plan. Do I send the enrolment application with my premium?

a) Existing client application for CSAE Small groups should be emailed to csc@morneaushepell.com or faxed to 1-877-494-0109.
b: Large should be e-mailed or faxed as above.
c: New Business should be mailed

Q: Is there a waiting period that must be satisfied before new employees can be added to the group plan?

A: Most plans have 3 month waiting period (Small and large) for ALL benefits.

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Eligibility

Q: Do all of my eligible employees have to enroll in the health insurance plan?

A: Yes, however employees who have Health and/or Dental coverage through a spouse can opt out of their coverage.

Q: When does my coverage become effective?

A: It can take up to 4-6 weeks in total from beginning to end. This depends on your application and if the insurance company requires any additional information from you. We can keep you posted on the status of your application. The effective date of coverage is usually the 1st of the month following your approval date.

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Application Process

Q: Do I have to do a physical to obtain this coverage? Am I going to be declined because I have certain health issues such as...?

A: For groups that require medical evidence, it is ultimately up to the insurance company to approve or decline coverage. They consider your answers to the health and/or financial questions in your application and the coverage that you are applying for. They sometimes require additional health information from you, i.e. blood/urine tests, and will advise you if they require them. Generally they look at height/weight, past medical history, and other medical conditions. If you are approved for coverage, the insurer will make that determination and advise you in writing.

Q: Are pre-existing conditions covered under this plan?

A: Your contract of insurance will state how any pre-existing conditions will be handled.

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General Questions

Q: What is Morneau Shepell's role in all of this?

A: We are consultants who locate the best products to suit your needs as well as ensure the financial competitiveness of your programs. We are also the Third-Party Administrators (TPA) who manage and run all of the administration required of a group insurance program. We do not, however, insure the program (pay the claims) but rather work with various insurance companies on your behalf.

Q: I've seen cheaper plans out there for the same benefits. Can you match or better the rates? How do you compare to another plan out there?

A: No doubt, there can always be a cheaper plan somewhere. You really have to take a close look at the comprehensiveness of the plan and any other limitations and requirements of obtaining that coverage.  Make sure you are comparing apples to apples.

Most of the brokers/companies advertise rates on the best possible scenario. For example:  a young applicant with no health issues, but that rate changes significantly once you actually sign up for the coverage and submit actual health information.  

You can sometimes see large discounts in the first year only to have your rates increase at the first renewal. You should always consider the outliers as suspicious and see if you can get extended rate guarantees beyond a year if the rates seem out of step with the rest of the marketplace.

Unfortunately, we cannot negotiate our rates at this time as these are group insurance rates set for the year for this association plan.

Q: Is there a penalty to cancel my coverage at any time

A: No, there is no penalty as long as we receive a written notification requesting cancellation of coverage at least 31 days in advance of a premium due date.

Q: Can I reinstate my coverage after I've cancelled it for a few months/years. Can I reinstate my coverage after I've cancelled it for a few months/years?

A: You would have to reapply and possibly go through medical underwriting again.

Q: Does my coverage continue once I retire? If not, what do I do?

A: Your contract defines the termination date of your benefits. If you require further information, please do not hesitate to contact Morneau Shepell.

Q: If I get disabled due to a car accident for example, am I covered?

A: Your disability claims are adjudicated on a case by case basis. You must meet the definition of disability (as per the contract) and remain under the care of a physician.

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