I am looking for a benefit booklet from Great-West Life; if anyone on here has one, could you please forward along the section pertaining to Dependents; in particular the Definition of Spouse and Child; I have gotten one from another insurance provider and need to know if this is standard or not:
Explanation of Common Insurance Terms
Dependent: The member's spouse or a child of the member or of the spouse.
If dependents are insured under the group policy, "spouse" and "child" shall
have the following meanings:
a) Spouse
The person who is married to or is in a civil union with the member, or
the person designated by the member, whom he declares publicly to be
his spouse and with whom he has been living on a permanent basis for
at least one year, or less, if a child is born from their union.
A de facto separation of more than 3 months will result in the person no
longer qualifying as the member’s spouse for the purposes of the group
policy.
If according to this definition, the member has had more than one
spouse, spouse shall mean the person most recently qualified.
b) Child
An unmarried child of the member or of his spouse who wholly depends
on the member for support and maintenance and who meets at least
one of the following conditions:
i) He is under 21 years of age; or
ii) He is under 26 years of age and is attending a recognized
educational institution on a full-time basis; or
iii) He is mentally or physically handicapped and is incapable of
earning his own living due to such handicap provided such handicap
commenced while he was a child as defined in (i) or (ii).
Explanation of Common Insurance Terms
Dependent: The member's spouse or a child of the member or of the spouse.
If dependents are insured under the group policy, "spouse" and "child" shall
have the following meanings:
a) Spouse
The person who is married to or is in a civil union with the member, or
the person designated by the member, whom he declares publicly to be
his spouse and with whom he has been living on a permanent basis for
at least one year, or less, if a child is born from their union.
A de facto separation of more than 3 months will result in the person no
longer qualifying as the member’s spouse for the purposes of the group
policy.
If according to this definition, the member has had more than one
spouse, spouse shall mean the person most recently qualified.
b) Child
An unmarried child of the member or of his spouse who wholly depends
on the member for support and maintenance and who meets at least
one of the following conditions:
i) He is under 21 years of age; or
ii) He is under 26 years of age and is attending a recognized
educational institution on a full-time basis; or
iii) He is mentally or physically handicapped and is incapable of
earning his own living due to such handicap provided such handicap
commenced while he was a child as defined in (i) or (ii).
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