Talking About Financial Matters That Affect You and Your Organization

Does It Really Matter If I'm Late?

Posted by Gordon R. Hart

Dec 4th, 2015

Does It Really Matter If I'm Late?

Most group insurance providers require that employees and eligible dependents enroll with the group insurance plan within 31 days of becoming eligible. The purpose of this limitation is to reduce advise risk within the plan from plan members who choose to enroll only when they have a need for services (and therefore claim much more than the average current member which drives up pricing for everyone). Plan member who fail to enroll within the eligibility period will face late applicant status which may result in a limitation of coverage and/or an outright decline of coverage based on the medical underwriting that can be required.

It is a plan sponsor’s responsibility to enroll eligible members in a timely fashion to avoid late applicant status. Plan sponsor who fail to manage this risk may face legal issues should an eligible plan member fail to be enrolled due to administrator error. Plan member who choose not to enroll must either complete a waiver form (releasing plan sponsor of liability) or face the late applicant status at future enrollment.

Sometimes accidents happen, and providers reserve the right to waive late applicant status should a plan sponsor agree to enroll a plan member retroactively back to the eligibility date with payment of past premiums. This is not a guarantee, but plan sponsors should approach their advisor/broker for assistance.

Does It Really Matter If I'm Late?

Corporate Office - London

310-700 Richmond Street
London, ON N6A 5C7

Tel: (519) 675-1177

Toll-Free: (888) 327-5777



200-429 Exmouth Street
Sarnia, ON N7T 5P1

Tel: (519) 337-0807

Toll-Free: (877) 822-1522



305-1949 Upper Water Street

Halifax, NS B3J3N3

Tel: (902) 797-1391

Toll-Free: (833) 832-2230


Saint John

190-17 Canterbury Street

Saint John, NB E2L2C3

Tel: (506) 638-6549

Toll-Free: (833) 832-2230



Windsor, Ontario

11505 Tecumseh Road East

Financial Tel: (519) 258-5510

Employee Benefits Tel: (519) 419-5515



1464 Cornwall Road, Unit 1

Oakville ON L6J 7W5

Tel: (866) 940-3777