Written notice of Injury or Sickness, upon which a claim may be based under this section must be given to the Insurance Company at its Office in Regina, within 30 days of the date Co-operators Life is liable.
Failure to give notice within this time shall not invalidate nor reduce any claim if it is shown not to have been reasonably possible to give notice and that notice was given as soon as was reasonably possible.
Please contact ELCIC Group Services for forms
The Insurance Company, upon receipt of notice, will furnish the forms for Proof of Loss. If these forms are not furnished within 30 days of the receipt of notice, it shall be deemed that the claimant has complied with the Proof of Loss requirements of this Policy when written proof covering the occurrence, character and extent of loss for which a claim is made is submitted within the time fixed in this Policy for filing Proof of Loss.
Proof of Loss
Written Proof of Loss must be furnished to the Insurance Company at its Office in Regina. In the case of a claim, proof must be furnished within 90 days form the date the Insurance Company is liable and subsequent written proof of the continuance of Total Disability must be furnished to the Insurance Company at such intervals as the Insurance Company may reasonably require.
Failure to furnish proof within this time shall not invalidate nor reduce any claim if it is shown not to have been resonably possible to furnish the proof and that the proof was furnished as soon as was reasonably possible, but in not event shall this be more than 12 months after becoming eligible.
Time of Payment
Subject to due Proof of Loss, benefits shall be paid as agreed to by Co-operators Life and an Employer during any period for which the Insurance Company is liable. Any balance remaining unpaid on the termination of this period will be paid immediately upon receipt of due proof. All other benefits, if any, provided in this Policy will be paid within 30 days of receipt of proof thereof.
Extension of Time
If any time limitation of this Policy with respect to giving notice of claim or furnishing Proof of Loss is less than that permitted by the law of the Province in which the insured Employee resides at the time of becoming insured under this Policy, such limitation is herby extended to agree with the minimum period permitted by law.
Co-operators Life shall have the right and opportunity to conduct any investigations relating to applications or claims and to obtain independent medical or vocational assessments of any Covered Person, as often as it may reasonably require.
Limitation of Actions
Except where or when applicable legislation permits the use of a different limitation period, every action or proceeding against an insurer for the recovery of insurance money payable under the contract is absolutely barred unless commenced within the time set out in the Insurance Act or any other applicable legislation.
Where or when applicable legislation permits the use of a different limitation period, no action or proceeding at law or in equity shall be brought against Co-operators Life for payment of benefits under the Policy or for any other related damages:
- prior to the expiration of 60 Days after the claim form has been filed in accordance with the requirements of the Policy: or
- unless brought:
- where no benefits have been paid, within one year from the expiration of the time within which the claim form is first required (see Notice provision) by the Policy or from the date on shich Co-operators Life first denies the claim for benefits, whichever first occurs; or
- where benefits have been paid under any provision of the Policy, within 1 year of the date on which Co-operators Life terminates payment of such benefits.
The time limit within which to commence an action shall expire on the date(s) as specifically provided for in this provision and in no event shall it be extended to each and every monthly payment accruing after the date(s).