Life Events

Postdoctoral Scholars


Updating Your Benefit Coverage

If you experience a life event such as the marriage/common-law, birth/adoption, divorce/legal separation, family status change, change in spousal coverage, or if you need to change your dependent/beneficiary information, you can update your personal information and make benefit changes to ensure your benefits accurately includes all of your eligible dependents.

  1. Update Benefit Coverage

    Review the details for each type of life event below to understand the impact to your benefits.

    Within 31 days of the qualified life event, access benefits self service to enter your new information:

    • Navigate to myUCalgary portal > All about me My benefits > Benefits Self Service >  Benefits Life Events

    To update information beyond 31 days of the qualified life event, contact Human Resources to update your information by emailing benefits@ucalgary.ca.  Your new date of coverage will be based upon the date you submit the completed benefit change form.

    While on a leave of absence, you will not have access to self service and will need to contact Human Resources to update your information by emailing benefits@ucalgary.ca. The effective date of coverage for your new dependent will be based upon the date you submit the completed benefit change form.

  2. Change Personal Information

    Documentation may be required to support your request to change personal information. Refer to the directive "Personal Information Change Requests" for details, including how to update your University of Calgary employee username display or contact information. 

Life Events

To access life events, navigate to: myUCalgary portal > All about me > My benefits Benefits Self Service > Benefits Life Events Your life event.

Definition of Spouse - Benefits 

The opposite or same sex person to whom you are lawfully married as evidence by a legally certified document of marriage or who has for at least 12 months, been continuously living with you in a role like that of a marriage partner (common-law). Proof of cohabitation may be required.

Step One: Enter the Event Date

Enter the event date – this is the date of your marriage or change to common-law status. If it has been more than 31 days from the qualifying life event date you will need to contact benefits@ucalgary.ca.

Step Two: Update Personal Information

When you enter benefits self-service for the marriage/common-law life event you will be asked to confirm the date of the event, then update or confirm your personal information including:

  • name
  • home and mailing address
  • phone number
  • emergency contact information
  • banking information.

The personal information can also be updated directly through self-service outside of life events by going to the myUCalgary portal > All about me > My info

Documentation may be required to support your request to change personal information. Refer to the directive Personal Information Change Requests for details, including how to update your UCalgary employee username display or contact information. 

Step Three: Benefit Enrolment

Review/Update Dependent Data

Confirm all your dependents and beneficiaries and add any new dependents and/or beneficiaries. You will need to ensure that you enter the date of birth for all dependents and click the “Student” box as appropriate.

Health/Dental

Click on the “Confirm” button for each benefit to ensure your dependents have been added. If your eligible dependents are not included in the list, return to the Review/Update Dependent data page to verify they are listed with their relationship to you,and date of birth.

Life Insurance/Accidental Death & Dismemberment Insurance

Click on the “Confirm” button for each of these benefits to add your spouse as a beneficiary. You can allocate up to 100% of your benefit to any of the individuals listed on this page as either a primary or a secondary beneficiary. Once you have completed the benefit submission you need to print the Group Benefits - Beneficiary Designation form, sign it, and submit the original copy to Human Resources. The paper form with original signature is required and legally binding in the event of a claim.

An important consideration for any beneficiaries under the age of 18 is to name a Trustee. You can do this on the paper form. The Trustee is responsible for any life insurance funds until the named beneficiary reaches age 18 otherwise the funds will go to a Public Trustee.

Step Four: Follow Instructions to Complete and submit Life Event

Once your submission is processed, you will receive new benefit ID cards within 4-6 weeks

Other Considerations

Contact the Alberta Health Care Insurance Plan to notify of the change.

Birth/adoption is used when you have a new dependent child, either through birth or adoption.

While you are on maternity or parental leave, you will not have access to self service and will need to contact Human Resources to update your information by emailing benefits@ucalgary.ca

Step One: Enter the Event Date 

Enter the event date – this is the date of the adoption or the birth of the child. If it has been more than 31 days from the qualifying life event date, you will need to contact benefits@ucalgary.ca. In the case of an adoption, the event date may not be the same as the date of birth of the child and you will enter the date of birth of the child when you enter the Benefits Enrolment page.

Step Two: Benefit Enrolment 

Review/Update Dependent Data

Confirm all of your current dependents/beneficiaries and any new dependent(s)/beneficiaries. You will need to ensure that you enter the date of birth for all dependents and click the “Student” box as appropriate.

Health/Dental

Click on the “Confirm” button for each benefit to ensure your dependents have been added. 

Life Insurance/Accidental Death & Dismemberment Insurance

Click on the “Confirm” button to enter your basic and optional Life/AD&D insurance information tab. You can allocate from up to a combined total of 100% of your benefit to any of the individuals listed on this page as either a primary or a secondary beneficiary. An individual can either be a primary or secondary beneficiary and both need to total 100%. Once you have completed the benefit submission you will be asked to print the Group Benefits - Beneficiary Designation form, sign it, and submit the original copy to HR. The paper form with original signature is required and legally binding in the event of a claim.

An important consideration for any beneficiaries under the age of 18 is to name a Trustee. You can do this on this on the paper form. The Trustee is responsible for the funds until the child reaches age 18 otherwise the funds will go to a Public Trustee.

Step Three: Follow instructions to Complete and Submit Life Event 

Once your submission is processed, you will receive new benefit ID cards within 4-6 weeks.

Other Considerations

Contact the Alberta Health Care Insurance Plan to notify of the change.

At the time of legal separation, you may remove your spouse from your Health and Dental plans, as well as re-designate your beneficiary for your Life Insurance plan. Once your divorce is finalized, your former spouse is no longer eligible for coverage under the university’s Health and Dental plans, or any Optional Spousal Life Insurance.

Step One: Enter the Event Date and Update Personal Information 

You will first be asked the event date – this is the date of the divorce or legal separation. If it has been more than 31 days from the qualifying life event date, contact benefits@ucalgary.ca.  

Update or confirm your personal information including:

  • name, you can update this in the event you are changing your name with your marriage or divorce
  • home and mailing address
  • phone number
  • emergency contact information
  • banking information.

The personal information can also be updated directly through self-service outside of the benefits self-service by going to the myUCalgary portal > All about me > My info

Documentation may be required to support your request to change personal information. Refer to the directive Personal Information Change Requests for details, including how to update your UCalgary employee username display or contact information. 

Step Two: Benefit Enrolment 

Review/Update Dependent Data

Confirm your dependents/beneficiaries and update your spouse/common-law partner to ex-spouse/ex-common-law partner, and add any new dependents/beneficiaries. You will need to ensure that you enter the date of birth for all dependents and click the “Student” box as appropriate. You cannot remove the ex-spouse from this list, as it is required to remain for historical purposes. Once you have changed the relationship, to ex-spouse they will no longer be eligible for benefits, but they will remain on your list of potential beneficiaries.

Health/Dental

Once your spouse/common-law partner is updated to ex-spouse/common-law partner, proceed to each benefit individual benefit by clicking on the “Confirm” button to ensure the correct dependents on your extended health and dental care benefits. If your eligible dependents are not included on the list of dependents, return to the Review/Update dependent data page to verify they are listed there, their relationship to you and their date of birth.

Life/Accidental Death & Dismemberment Insurance

Click on the “Confirm” button for each of these benefits to update your beneficiaries or to remove your ex-spouse/common-law partner as a beneficiary. Your ex-spouse/ex-common-law partner will remain on the list, but you do not have to allocate any portion of your life insurance to them. You can allocate up to 100% of your benefit to any of the individuals listed on this page as either a primary or secondary beneficiary.

Once you have completed the benefit submission you need to print the Group Benefits - Beneficiary Designation form, sign it, and submit the original copy to Human Resources. The paper form with original signature is required and legally binding in the event of a claim.

An important consideration for any beneficiaries under the age of 18 is to name a Trustee. You can do this on the paper form. The Trustee is responsible for the funds until the child reaches age 18 otherwise the funds will go to a Public Trustee.

Step Three: Follow Instructions to Complete and Submit Life Event 

Once your submission is processed, you will receive new benefit ID cards within 4-6 weeks.

Other Considerations

Contact the Alberta Health Care Insurance Plan to notify of the change.

A family status change means that when you update your dependent information you will move from family to single level coverage or from single to family coverage. It is most often used to when your dependent child reaches age 21 and is no longer a student. Refer to this guide to update overage dependents.

If your family status does not change, you should use the Dependent/Beneficiary Update event. For example, use this when you want to remove a dependent child who is over age 21 but you still want family coverage because you other eligible dependents.

Dependents Definitions

Spouse - the opposite or same sex person to whom you are lawfully married as evidenced by a legally certified document of marriage or who has, for at least twelve months, been continuously living with you in a role like that of a marriage partner (common-law).  Proof of cohabitation may be required.

Child - children shall mean the employee's natural, adopted, stepchildren,  or children for whom the employee is a guardian who are dependent upon the employee for financial care and support. Children must be unmarried, unemployed, and not eligible to apply for coverage under another employers sponsored plan. Children must be under the age of 21 or between ages 21 - 24 are eligible if attending an accredited educational institution, college, or university, on a full-time basis.

Step One: Enter the Event Date 

Enter the date of the event.

Step Two: Benefit Enrolment 

Review/Update Dependent Data

Confirm each of your dependents and beneficiaries. You will need to ensure that you enter the date of birth for all dependents and click the “Student” box as appropriate. To remove an overage dependent, unclick the “Student” box or change them to "Adult child". The child will remain under your list of dependents/beneficiaries, as they can still be a beneficiary but they will not be an eligible dependent for benefits.

Health/Dental

Click on the “Confirm” button for each benefit to ensure your dependents are covered. 

Life Insurance/Accidental Death & Dismemberment Insurance

Click on the “Confirm” button for each of these benefits to update your beneficiaries. You can allocate up to 100% of your benefit to any of the individuals listed on this page as either a primary or a secondary beneficiary.

Once you have completed the benefit submission you need to print the Group Benefits - Beneficiary Designation form, sign it, and submit the original copy to Human Resources. The paper form with original signature is required and legally binding in the event of a claim.

An important consideration for any beneficiaries under the age of 18 is to name a Trustee. You can do this on the paper form. The Trustee is responsible for the funds until the child reaches age 18 otherwise the funds will go to a Public Trustee.

Step Three: Follow Instructions to Complete and Submit Life Event 

Once your submission is processed, you will receive new benefit ID cards within 4-6 weeks.

Other Considerations

Contact the Alberta Health Care Insurance Plan to notify of the change.

Use this event to add or remove a dependent when it does not change your family status (single to family or family to single). For example, use this event to confirm a dependent is a full time student or update your beneficiary without changing your level of coverage. Refer to this guide to update overage dependents. You may also use this event to add a new beneficiary. Learn more about naming beneficiaries.

Step One: Enter the Event Date 

Enter the date of the event.

Step Two: Benefit Enrolment 

Review/Update Dependent Data

Click on this tab to confirm and update your dependents and beneficiaries. You will need to ensure that you enter the date of birth for all dependents and click the “Student” box as appropriate. To remove an overage dependent, unclick the “Student” box or change them to "Adult Child". The child will remain under your list of dependents/beneficiaries, as they are still a beneficiary but the will not be an eligible dependent for benefits.

Life Insurance/Accidental Death & Dismemberment Insurance

Click on the “Enrol” button to enter these insurance information tabs. The designation of beneficiary for AD&D mirrors your allocation for basic life insurance. You can allocate from 0-100% of your benefit to any of the individuals listed on this page as either a primary or a secondary beneficiary. An individual can either be a primary or secondary beneficiary and both need to total to 100%. Once you have completed the benefit submission, you will be asked to print the Group Benefits - Beneficiary Designation form, sign it, and submit the original copy to HR. The paper form with original signature is required and legally binding in the event of a claim.

An important consideration for any beneficiaries under the age of 18 is to name a Trustee. You can do this on the paper form. The Trustee is responsible for the funds until the child reaches age 18 otherwise the funds will go to a Public Trustee to care for until the beneficiary reaches age 18.

Step Three: Follow Instructions to Complete and Submit Life Event 

Once your submission is processed, you will receive new ABC benefit ID cards within 4-6 weeks.

Other Considerations

Contact the Alberta Health Care Insurance Plan to notify of the change.

When the loss is the death of someone close to us, the grieving process can affect both our home and work life. The Employee Family Assistance Plan (EFAP) can offer confidential support and information during these times. Information for the EFAP provider is located on the Wellbeing and Worklife webpage

Email benefits@ucalgary.ca and we will make all the necessary updates for you.

Contact the Alberta Health Care Insurance Plan to notify of the change.

This section provides staff with information about what happens to your benefits when you turn age 65. Postdoctoral Scholars s age 65 and older, who continue to work in a benefit-eligible employment category, continue to participate in the university’s group benefit plans.

Coverage continues for Extended Health and Dental, Group Life and Accidental Death & Dismemberment Insurance for you and your eligible dependents. Review the following, which outlines benefit changes and other important information.

Alberta Health Care

Alberta Health and Wellness will contact you three months prior to your 65th birthday regarding application for Alberta Seniors Benefit. You can verify your information through Alberta Health through most Registry Offices.

Health/Dental

The Alberta Seniors Benefit, administered by Alberta Blue Cross, will become first payer for the individual who is age 65+ when having prescriptions filled. Effective March 1, 2020, dependents of individuals on the seniors benefit will no longer be covered. If you have coverage under the Alberta Seniors Benefit, you will be required to present both the seniors benefit card as well as your university Alberta Blue Cross ID card when accessing services from the pharmacy and/or dentist.

Canada Pension Plan (CPP)

You have the option of applying for benefits to commence any time after age 60. Applications for CPP should be made 6 months prior to the desired date of commencement. For more information and application forms, refer to the CPP website.

If you elect to commence receipt of CPP benefits, it is important that you provide the Payroll Office with a copy of the confirmation letter received from the Canada Pension Plan.

If you continue working while receiving CPP pension:

  • Age 60 to 65: CPP contributions are mandatory and additional CPP pension accrues
  • Age 65 to 70: CPP contributions continue and additional CPP pension accrues unless file a form with the Canada Revenue Agency (provide a copy to the university's Payroll Services) found on CPP website
  • Over age 70: CPP contributions stop and no additional CPP pension accrues

Old Age Security

You are entitled to receive Old Age Security in addition to CPP at age 65 regardless of whether or not employment continues. OAS can be delayed for up to five years in exchange for an increased amount. For information and application forms, refer to the OAS website.

Long Term Disability Insurance

The termination age for Long Term Disability is age 65 less the qualifying period (90 days), or retirement, whichever is earlier. Premiums end at the termination age. If you are in receipt of Long Term Disability benefits, payments will end at the end of the month in which you attain age 65. Premiums and eligibility for benefits end 90 calendar days prior to the termination of coverage.

Extended Health Care / Dental

Coverage ends on the date of termination. Many providers such as Alberta Blue Cross provide individual health and dental coverage. For more information see Alberta Blue Cross.

Life Insurance – Conversion Privilege

Upon receipt of an employee's request to resign or retire from the University of Calgary, the Life Insurance group coverage will end  the date of termination. Within 31 days of termination, a conversion privilege is available to convert to an individual policy without medical evidence of insurability. For more information refer to this form - Application for Conversion form.

In order to apply for the Conversion Privilege, contact totalrewards@ucalgary.ca who will complete part 1, scan and email you the application to complete sections 2 and 3 and send to Manulife Insurance.

Contact Manulife Financial at 1.888.626.8543 directly for any questions regarding the available conversion options or on how to apply for the conversion.

If you are over age 65, contact Manulife for applicable rates.

Accidental Death & Dismemberment (AD&D)

Coverage ends on date of termination or retirement. If you are under age 70 and it is within 31 days of termination, a conversion privilege  is available. Contact SSQ Financial Group directly for any questions regarding the application for the conversion.

In order to apply for the conversion privilege email totalrewards@ucalgary.ca. The Total Rewards team will complete part 1 of the conversion application and email that to you to complete the remaining portions and send directly to the insurer.

Long Term Disability

Coverage ends on the date of termination.