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All full-time employees under the age of 75 for Life and under the age of 65 for all other benefits who have completed the waiting period, are actively at work and who work a minimum of 20 hours per week, and elected councillors and appointed board members under the age of 75 for Life, if coverage is elected by the employer.

All Term Employees that fit the aforementioned criteria are eligible for the following benefits:

  • term of 24 months or more, eligible for all benefits,
  • term of less than 24 months but at least 12 months, eligible for all benefits except disability benefits,
  • term of less than 12 months, not eligible for benefits.
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