Late applicants

If you’re applying for coverage within 60 days of your previous group insurance ending and meet our eligibility criteria, you’ll be automatically approved for our group plans. Usually, that’s 60 days after you retire, or your spouse retires if you’re covered under their plan.

If you apply after the 60 days, transfer from an individual insurance plan, or were not previously insured under a group plan, you can still receive coverage. Here’s how:

Extended health care and hospital and convalescent care plans

  • Please start by contacting the service administrator at 1-877-406-9007 for more information about the late application process.
  • To apply for health care and/or hospital coverage, you will need to complete the Evidence of Insurability form and the insurance application.
  • If you or your spouse are age 60 or older, an Attending Physician Statement is also required. You are responsible for any costs from your doctor for completing the form.
  • Return the completed applications to us by mail to:
    Johnson Inc.
    18 Spadina Road, Suite 100
    Toronto, ON M5R 2S7
  • The forms are reviewed by medical underwriters at Sun Life, our insurance underwriter. This process may take up to four weeks.
  • If your application is approved, coverage will be effective as of the approval date, without restriction. In 2019, our approval rate was over 80 per cent.

Dental plan

If you are late in applying for dental coverage, acceptance is guaranteed. For the first 12 months of coverage, you are limited to $500 per insured person for eligible dental services. Simply complete and return the insurance application, indicating your request for dental coverage. Your dental coverage is effective the day we receive the application.

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