Looking for more coverage?

Optional group benefits are additional individual insurance that you can add to your existing benefit plan from your employer to enhance your coverage levels as well as adding coverage for your dependents.

You must be:

  • An employee of a MCIP participating employer
  • Actively in benefit on their group benefit plan
  • Understanding that the cost of the Optional Coverage will be paid by you

*Please note all benefits must be paid by pre-authorized debit only, and coverage terminates on the date indicated for each benefit OR the date you are no longer covered by the employer group plan, whichever is first*

Click on the tabs below to explore Accidental Death & Dismemberment, Critical Illness, and Life Insurance options available:

How to Apply:

Step 1: Choose your options to determine premium costs:

Accidental Death & Dismemberment

Step 2: Complete the information below to save your quote. You will receive an email copy of your quote.

Accidental Death & Dismemberment

Premiums:

I agree that my submitted data is being collected and stored and MCIP may contact me to follow up.

Your email has been sent!
Something went wrong, please check your entries and try again

Step 3: If you’re happy with your quote, download and complete the Accidental Death & Dismemberment Application here.

Step 4: Upload your completed application below:

Step 5: An MCIP representative will contact you to confirm acceptance of your application. If you have any questions, please contact us at benefits@mcip.ca or 204.259.8824 (toll-free: 1.866.587.8320)

Notes: 

Please note that this is an application for coverage, and coverage is not guaranteed, and the application may be denied.

Family coverage covers spouse and dependents for a percentage of the employee’s insurance amount. For example: 

  • Employee is covered for $25,000. 
  • Spouse is covered for $12,500 (50%) if they have dependents; $15,000 (60%) if they do not have dependents. 
  • Each dependent child is covered for $2,500 (10%) if there is a Spouse; or $5,000 (20%) if there is no spouse. 

The premium for this family coverage is calculated based on the Employee’s coverage amount and the family rate: that is $25,000 * $0.04 = $1.00 per month to cover the whole family (EE, Spouse, and Dependent children) 

Coverage terminates when the employee reaches age 70 or retirement, whichever is first

The calculated Premiums are based on the information you have provided above and are subject to change if the information is incorrect.

How to Apply:

Step 1: Choose your options to determine premium costs:

Critical Illness

Spouse

Step 2: Complete the information below to save your quote. You will receive an email copy of your quote.

Critical Illness

Premiums:

I agree that my submitted data is being collected and stored and MCIP may contact me to follow up.

Your email has been sent!
Something went wrong, please check your entries and try again.

Step 3: If you’re happy with your quote, download and complete the Optional Critical Illness application here.

Step 4: Upload your completed application below:

Step 5: An MCIP representative will contact you to confirm acceptance of your application. If you have any questions, please contact us at <email> or <phone number>

Note:

Please note that this is an application for coverage, and coverage is not guaranteed, and the application may be denied.

The dependent rate covers ALL dependents. Employee must apply before the age of 65 to be eligible, and coverage terminates when the employee reaches age 70 or retirement, whichever is first.

The calculated Premiums are based on the information you have provided above and are subject to change if the information is incorrect.

How to Apply:

Step 1: Choose your options to determine premium costs:

Life Insurance

Spouse

Step 2: Complete the information below to save your quote. You will receive an email copy of your quote.

Life Insurance

Premiums:

I agree that my submitted data is being collected and stored and MCIP may contact me to follow up.

Your email has been sent!

Something went wrong, please check your entries and try again.

Step 3: If you’re happy with your quote, contact us to apply for Optional Life Insurance.

Note: 

Please note that this is an application for coverage, and coverage is not guaranteed, and the application may be denied.

* Coverage subject to Health evidence  approval by insurer
– Any death resulting from suicide within 24 months voids the policy
Coverage Terminates at 71
Max $500,000 for employee
Max $250,000 for spouse
Minimum $25,000

The calculated Premiums are based on the information you have provided above and are subject to change if the information is incorrect.

Optional Life Insurance Coverage

While there is Life Insurance coverage included in your MCIP plan, Optional Life Insurance increases the benefit amount paid to the named beneficiary in the event of an insured person’s death. Depending upon your life stage and status, extending your Life Insurance coverage can provide additional piece of mind to cover expenses and obligations for your loved ones and beneficiaries.

Optional AD&D Coverage

While there is Accidental Death and Dismemberment (AD&D) coverage included in your MCIP plan, Optional AD&D coverage provides additional financial assistance for injury or bodily harm as the result of an accident to a plan member.

Optional Critical Illness Coverage

Optional Critical Illness Coverage provides financial assistance so you can maintain your standard of living and focus on recovery in the event you are diagnosed with a critical illness such as heart attack, stroke, kidney disease and cancer among others.  Eligible claims will receive a tax-free lump sum payment to help you cover the costs of the illness that is covered by your policy.