What am I insured for?
If an eligible dependent should die while you are insured under this benefit, the amount of dependent life insurance shown in the schedule of benefits will be paid to you.
Pre-Natal Benefit
Upon receipt by Co-operators Life of satisfactory proof that you or your spouse while covered under this benefit have a stillbirth, we will reimburse you for funeral expenses to a maximum not exceeding the dependent life insurance amount shown in the schedule of benefits for a dependent child.
Stillbirth means the complete expulsion or extraction from the mother of a fetus weighing 500 grams or more; or with a body length of 25 centimetres or more; or gestational age of 20 weeks or more which, after complete separation from the mother, does not breathe or show any sign of life at or after birth.
Total Disability Waiver of Premium
If premiums for your basic life insurance coverage are being waived, premiums for the dependent life benefit will also be waived, but only so long as this benefit and your plan sponsor’s coverage under this benefit remains in force.
When to submit a Dependent Life claim
The claim form must be submitted to us within 6 months from the date of death.
Failure to furnish proof within this time will not invalidate nor reduce any claim if it is shown not to have been reasonably possible to furnish the proof and that the proof was furnished as soon as was reasonably possible, but in no event will this be more than 12 months after the date of death.