Public Service Health Care Plan
- Effective April 1, 2015, new retirees require a minimum of six (6) years of pensionable service to be eligible for coverage as a retired member under the Public Service Health Care Plan (PSHCP).
- When you leave the federal public service and are not in receipt of an immediate and ongoing pension benefit, your coverage terminates when your employment terminates. However, if a PSHCP contribution has been taken in the month in which your employment terminates, coverage will continue until the end of the following month.
- When you leave the federal public service and you remain eligible for a future-dated pension benefit, you may be eligible to apply for coverage under the PSHCP. It is recommended that you take a few minutes to review the Public Service Health Care Plan booklet and contact the Pension Centre if you have specific questions regarding eligibility to resume coverage or the associated cost following resignation.
Supplementary Death Benefit
Upon resignation from the federal public service, you may retain Supplementary Death Benefit (SDB) coverage if you have at least two years of service without substantial interruption or have participated under the SDB plan without
interruption for two or more years, provided you continue to pay for it. You can use a period of time in the Canadian Forces-Regular Force or as a regular Forces participant under Part II of the Canadian Forces Superannuation Act to make up the two-year period. For details on commercial rates applicable to this coverage, contact the Pension Centre.
If you are planning to resign from the federal public service, you must elect to retain the benefit within 30 days after leaving. If you decide to retain this benefit, your coverage will be the same as the amount at the time you leave the public service, subject to the reduction of coverage after you reach age 65. Information regarding the reduction that occurs at age 65 can be found at the following site.
Additional information regarding the Supplementary Death Benefit plan, coverage and cost can be found at Supplementary Death Benefit.
Public Service Dental Care Plan
Your membership in the Public Service Dental Care Plan (PSDCP) ends automatically on the date you cease to be employed or on the date you cease to qualify as an eligible employee.
If you resign and are eligible to receive a pension or will be eligible to receive a pension in the future, you may be eligible to apply for coverage under the Pensioners’ Dental Services Plan. It is recommended that you take a few minutes to review the Dental Services Plan booklet and contact the Pension Centre if you have specific questions regarding eligibility to resume coverage or the associated cost following resignation.
Public Service Management Insurance Plan
The Public Service Management Insurance Plan (PSMIP) provides public service employees excluded from collective bargaining with group life insurance, accidental death and dismemberment insurance, dependants’ insurance, and long-term disability insurance.
If you leave the public service, your life insurance will cease, subject to a 31-day extension period. During that extension period, you will be able to obtain an individual private life insurance policy, including some types of term insurance regularly issued by Industrial Alliance without medical examination and regardless of your state of health. Such a policy may be for any amount equal to or less than the amount for which you were last insured under the group policy and will be available at Industrial Alliance’s standard rates for your age, based on any special non-medical hazards (e.g., those hazards which an aircraft pilot could experience) to which you may be exposed.
If your own Public Service Management Insurance Plan (PSMIP) basic life insurance ceases, dependant’ insurance will also cease. However, the life insurance portion of your dependants’ life insurance may also be converted to an individual private policy. Accidental Death and Dismemberment (AD&D) and Long-Term Disability (LTD) insurances cannot be converted to private policies, and terminate on the day you leave the federal public service.
You must make your own arrangements directly with the Insurer to convert your insurance to a private policy. You, or your beneficiary may contact Industrial Alliance at:
Industrial Alliance Insurance and Financial Services Inc.
Group Life and Disability Claims Department (PSMIP)
522 University Avenue
For the purpose of discussing coverage with Industrial Alliance, you should quote the group policy number G68-1400.
 The pensioner must be in receipt of a pension based on at least six years of pensionable service, as highlighted in the October 2015 PSHCP Bulletin https://www.pshcp.ca/media/28844/special-bulletin-oct2014-en.pdf