Cancelling Members' Benefits
Group enrolment is cancelled on the last day of the month; however, if a member leaves before becoming eligible, his/her group coverage can be cancelled as of the effective date. MSP requires the reason for cancellation, the person’s current address and, if the person has moved outside British Columbia, the date of the move.
If an ERC is not available, HIBC requires a Coverage Cancellation form or list quoting your group number, the employee’s account number and name, and all the information requested on the ERC.
Two Month Rule Limit
Credits for retroactive cancellations are allowed up to a maximum of two months including the current month. For example, if a cancellation request is received during December, groups can ask for cancellation retroactive to October 31. Premiums must be paid to the cancellation date.
If advised that duplicate MSP coverage has occurred, HIBC can cancel retroactive to the date the duplication began to a maximum of five years.
Members Transferring Between Groups/Departments
Administrators who have more than one group account and who transfer members from one account to another can do so without completing applications for enrolment and ERCs. Please contact HIBC for details.
When Group Enrolment Ends
Group administrators are asked to ensure that members are:
- aware of the date their group account will be cancelled; and,
- provided with a “Notice to Terminating Employees” form
The member does not need to reapply to MSP. We will automatically set up a self-administered account for him/her and any dependents.
Exception: If the member has a temporary immigration document, the member must contact HIBC to arrange further coverage.
Coverage for Dependents of a Deceased Beneficiary
When a group member dies, the surviving spouse and children will be placed automatically on a new direct pay account. If it is preferable they remain as group members, they can apply through the group to be enrolled under a new group account.