Coverage For Terminated Employees


Did you know that an employee leaving your current employee benefits plan has 31 days (some insurance companies allow for up to 60 days) to convert that coverage into life insurance and/or individual or family health insurance – without medical underwriting? The Supreme Court has decided that the onus is on you – the employer – to make sure that the terminated employee is aware of this?

Did you also know that the Ontario Court of Appeal recently determined that you can’t assume that your terminated employees will have LTD coverage at their new job, and that you could still be responsible for their LTD coverage – even after they leave your company.

Thankfully we have solutions!

Several insurance companies offer health and dental coverage to terminated employee. One of the companies is Manulife. If you would like more information on Manulife’s FollowMe product, or if you would like to purchase this coverage online, please click here.

For more information, please contact Chris Gory at either 416-754-3910/1-800-773-8638, or at chris @