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OPIP - Life Events

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Life Events

Every stage of your life and career will bring new priorities, challenges and events. In the insurance world, a life event is something that changes a person's family or work status, perhaps altering their financial commitments and/or priorities and affecting their insurance needs. When a life event occurs you may have to increase or decrease your coverage and perhaps add or drop dependents.

For OPIP purposes a life event change is defined as:

  • marriage, separation or divorce;
  • a spouse or dependent child becomes eligible for coverage, or no longer qualifies as an eligible dependant;
  • the birth or adoption of a child;
  • accepting legal guardianship of a child;
  • the death of a spouse or child;
  • the loss or gain of insurance under your or your spouse's insurance plan (for example, due to a change in your or your spouse's employment).

90 Day Dead​line​

When you experience a life event as defined above, you have 90 days from the date of the event to make changes to your benefits. We cannot process a future event, meaning you need to wait until the event happens first, then you have 90 days to request the change.

If there are people in your life who become qualified for coverage as a result of a life event change, you can add them to the plan with no medical evidence as long as you apply within 90 days of the effective date of the life event change.