Some government, University and other employers post on the internet the Master policy or have a copy you can review through your HR.
I am in Manitoba and under our Insurance Act:
Copy of group insurance
151(5) In the case of a contract of group insurance, the insurer
(a) must, upon request, provide a group life insured or claimant under the contract with a copy of
(i) the group life insured’s application, and
(ii) any written statement or other record provided to the insurer as evidence of the insurability of the group life insured under the contract that is not part of the application; and
(b) must, upon request and reasonable notice,
(i) permit a group life insured or claimant under the contract to examine a copy of the group insurance policy, and
(ii) provide that person with a copy of the policy.
I would think this is standard across the Provinces-but not sure.
Also in my husbands group Master Policy there is a condition that the employer must provide a copy upon request.
We still do not have a complete copy-his Insurer has sent sections in a piecemeal fashion. So frustrating.
I would advise requesting a copy in writing.
Any one else’s thoughts? The benefit booklet (summary) leaves so much out.