Group Life Insurance
Upon the death of the participant or one of his or her dependents, an amount is paid to the designated beneficiary or to the estate, if no beneficiary has been designated. The amount payable under the Basic Life insurance benefit is generally determined based on salary or on a fixed amount.
The Group Life insurance benefits include all the benefits payable upon the death of the insured:
- Basic Life insurance
- Optional Life insurance
- Dependents’ Life insurance.
Accidental Death and Dismemberment Insurance
Accidental Death and Dismemberment insurance provides for the payment of a benefit in the event of death, loss of a limb or loss of use of a limb, or accidental injury.
Legal Access Insurance
Legal Access insurance covers notary fees in the event of death or incapacity of the participant or his or her spouse, up to a maximum of $1,000 for the duration of the policy. This coverage is only available in the province of Quebec.
In the event of the participant or one of his or her dependents, the employer must:
- Inform La Capitale of the death
- Send to La Capitale the duly completed Declaration of the Employer – Employee's Death – Dependent's Death (PDF - 2 pages) form
Send the Claimant's Declaration form to La Capitale.
This page is provided for information purposes only. It merely provides an overview as to the nature of the coverage available. At all times, the terms and conditions pertaining to the coverage provided under each benefit are governed solely by the group insurance contract. Some conditions and exclusions apply.
Group Insurance Glossary
To help you understand group insurance terms, here are some definitions for nine of the key terms you’re likely to come across.
Learn more about it in reCap Blog.