If you enrol in the plan 31 days before becoming eligible, your coverage will begin as follows:

• For you, coverage begins on the date that you commence active work or, if you are not actively at work on that date, on the date you return to work
• For your non-working or unemployed spouse, coverage begins on the same date your coverage begins
• For any other dependent, their coverage begins on the date your coverage begins or the date you first enrol an eligible dependent, whichever is later
• For any subsequent eligible dependent, coverage begins on the date of eligibility, provided the dependent is not in hospital and is actively pursuing normal activities
• For a newborn child, coverage begins at birth, provided enrolment is made within 31 days of their birth

If you or your dependent enrol in the plan more than 31 days of first becoming eligible:

• We may require proof of good health, and coverage will become effective on the date we approve such evidence
• If dental coverage is provided, you and your dependent will be limited to a $1,000 maximum in the first 12 months of coverage