Group Insurance Program

How it works

The Group Insurance Program is a mandatory insurance plan to protect you and your family. One month before the end of your probationary period, you will receive an email to your CAE email inviting you to complete your enrollment in the group benefits plan. You must enroll in the plan and register online within 31 days of receiving the email to select and customize your benefits coverage.

If your enrollment is not completed within the allotted time frame, the default coverages will apply (see below default coverage section).

Click here for Sun Life brochure.

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Mandatory Insurance Coverage

You automatically receive “Basic” coverages and can choose additional coverage during enrollment.

  • Health Care and Dental Care – you receive “Individual” coverage. Premiums are paid by CAE.
  • Long Term Disability (LTD) – LTD benefits are available to you if you become disabled due to sickness or injury and remain unable to work for more than 26 consecutive weeks. You pay the premiums.

    Note: After 6 months of service, you are eligible for wage replacement, which is fully paid by CAE. This provides coverage for 26 weeks at 66⅔% to 90% of your basic weekly pay based on your years of service and as specified in your collective agreement. After 26 weeks, LTD benefits will be paid.

  • Life Insurance – you receive “Basic” coverage, which is 2x your base annual salary. You can select more coverage for you and your family. Premiums for the basic coverage are paid by CAE.

 

Optional Insurance Coverage

Optional Insurance Coverage means that it is not mandatory. It is up to you if you would like to enroll in these benefits and you pay the premiums.

  • Life Insurance – you receive “Basic” life insurance. Think about what your family would need if you weren’t there to provide for them and decide if you need additional coverage.
  • AD&D Insurance – consider if Accidental Death & Dismemberment coverage might be right for you.

 

Coverage Status

Select from three coverage statuses.

Individual No dependents
Family You, your spouse and your eligible dependent children
Single Parent You and your eligible dependent children

Ready to enroll?

Watch for a Welcome email for instructions on how to access the CAE Benefits website to enroll.

Note: Be sure to enroll before the deadline to avoid being registered under the default coverage, without being able to modify your choices before the next annual re-enrollment period or following an eligible life event.

What happens if you do not enroll?

Whether you’re enrolling for the first time, or making changes during annual re-enrollment, you must make your benefits selections before the deadline.

When you are first eligible to enroll, if you do not complete your online enrollment by the deadline, you will receive the default coverage that will apply until the next annual re-enrollment period.

Default coverage

  • You will be automatically enrolled in default Life Insurance, Health Care, Dental Care and Long-Term Disability (LTD) coverage according to the below table.
  • You will be automatically enrolled without dependents (Individual status).
Health Individual coverage
Dental (linked to the Health Care Coverage) Individual coverage
Basic Life Insurance 2 x salary
Optional Life Insurance (employee, spouse and children) No coverage
Accidental Death & Dismemberment (AD&D) No coverage
Long Term Disability 60% of your salary

You will not have another opportunity to select and/or change your benefits coverage during the year, unless you experience a qualifying life event.

Making Changes

  • You can update your personal and beneficiary information at any time. Access the CAE Benefits website.
  • You can change your coverage selections each year at annual re-enrollment time.
  • When you experience a qualifying life event during the year, you can make changes to your coverage status and to your benefits options.
Note: If you do not change your coverage at annual re-enrollment, you will remain in your current option until the next annual re-enrollment period.

Life Event

A life event is a major event in a person’s life that may impact personal circumstances enough to justify a benefits change before the next annual re-enrollment. Life events can include:

  • Birth, adoption or gain of legal guardianship of a child.
  • Marriage, civil union or common law union of more than one year.
  • Divorce or legal separation.
  • Death of a dependent (spouse or child).
  • Gain or loss of eligibility to spouse’s coverage.*
  • Loss of dependent child status of the last dependent child.
  • Change in your employment status (from part-time to full-time or full-time to part-time).
  • Change in your province of employment.

If you experience a life event, you can update your benefits coverage within 31 days of the date of the life event. To make changes, go to the CAE Benefits website, and click on “Group Insurance Program” to update your benefits coverage.

*Quebec employees: please note that it is your responsibility to ensure that you and/or your dependent children are registered for Health Care coverage under the Group Insurance Program, unless covered elsewhere.

Annual Enrollment

When you select your benefits as a new hire at CAE, you are choosing your benefits for the current year.

Each year, you will need to re-enroll in your benefits for the next year, during the CAE annual re-enrollment period. You can modify your coverage to have more or less coverage.

If you do not re-enroll:

  • You will maintain the same status and coverage
  • You will not be able to make changes to your coverage until annual re-enrollment for the next year unless you have a qualifying life event.