Finding sweet spot in benefits co-ordination

Rich, company-paid plans may be footing more than fair share for dependants
By Michele Bossi
|Canadian HR Reporter|Last Updated: 04/25/2011

In families with two working adults, it’s common for each of them to have coverage under more than one medical or dental plan. However, it can be confusing to figure out which plan to use and how to co-ordinate benefits between plans. Some employees aren’t even aware they can claim under more than one plan and, in most cases, receive 100-per-cent reimbursement of eligible expenses.

The Canadian Life and Health Insurance Association (CLHIA) guidelines determine which plan pays first and how benefits are calculated when a claim is made to more than one benefit plan.

Who pays first?