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Termination of coverage

When does my coverage end?

A member ceases to be eligible on the date of:

• cessation of employment if they are not in receipt of an immediate recognised ongoing pension benefit,
  
• becoming an employee locally engaged outside Canada,
  
• becoming employed in a portion of the Public Service excluded from the Plan, or
  
• ceasing to receive the disability pension because they have recovered their health.
  

If a contribution is deducted in the month during which the member ceases to be eligible, coverage of the member will continue until the end of the following month.

If you cancel coverage while on leave without pay, you cannot reinstate coverage until you return to duty, at which time a three-month waiting period will apply.

When does coverage for my dependants end?

Coverage for your dependants ends when your coverage ends or, if earlier, when they no longer qualify under the plan's definition of eligibility or you cancel their coverage.

When you cancel a dependant's coverage, the dependant's coverage ceases no later than two months following the date that the application is received by the designated officer. The deductions at the lower rate start the month prior to the effective date of the new coverage.

If you cancel coverage for your dependants while on leave without pay, you cannot reinstate coverage until you return to duty, at which time a three-month waiting period will apply.

In the case of a dependant's death, the contributions are adjusted effective the month of death of the dependant, provided the application is received by the designated officer within 60 days of death. If the application is received after 60 days, contributions are adjusted effective the first of the month following receipt of the application by the designated officer.