Your employer may have a variety of benefits and insurance options available, including:
- health benefits for you and your dependants
- short-term disability benefits (STD)
- long-term disability benefits (LTD)
- life insurance
- accidental death and dismemberment insurance, and
- pension plans.
These benefits are based on your employment contract and the employer’s contract with the insurance company. So, benefits can be very different depending on the employer. Your employer must give you information about your eligibility for benefits. Some plans are fully paid by the employer, while other plans may be paid by the employer and the employee. You may have options about the types of benefits and insurance that you want.
The time limits and appeal rights depend on the insurance contract. The Financial Services Commission of Ontario regulates insurance companies in Ontario and there are services to deal with complaints. Here is a link to the Financial Services Commission of Ontario website information about insurance complaints: telephone 416-250-7250 or toll-free 1-800-668-0128, TTY toll-free 1-800-387-0584, www.fsco.gov.on.ca/english/insurance/resolvecomplaint-insurance.asp
If you do not agree with a decision made by your employer or your employer’s insurance company, you should get legal advice right away (see below).
Life Insurance and HIV
It is very difficult for people living with HIV to get private life insurance. Your employer’s life insurance may be available to you without you having to provide health information, so it is strongly recommended that you consider this type of life insurance if it is available. If you stop working for that employer, you may have the option of converting your employer’s life insurance to your own private insurance without having to provide your health information. You usually have to make the conversion within a few weeks of stopping work so be sure to ask about this option.