• No change

• No change: You will only be able to change your options and the allocation of flex dollars added through payroll contributions at the next re-enrolment period.

• Your medical and vision option (Core, Balanced, Enhanced or Travel only) and status stay the same.
• Your dental option (Preventive, Balanced, Enhanced or Opt-out) and status stay the same.
• Your basic life insurance, basic accidental dismemberment, and disability benefit levels will be adjusted to reflect your new salary.

• Your long-term disability premium will be adjusted.

• No change

• No change

• No change

• No change

• No change

• No change
• The number of days you buy will remain the same until the next re-enrolment period, but your payroll contributions will be adjusted accordingly.

• No change

• Your contributions (and the employer match) are set at a percentage of your salary. Therefore, if your salary changes, it will have an impact on the amounts deposited in your account(s).

• Your contributions (and the employer match) are set at a percentage of your salary. Therefore, if your salary changes, it will have an impact on the amounts deposited in your account(s).

• The flex dollars amount is based on the status you choose for medical and vision care.
• If you change your status under medical and vision care, your flex dollars amount will change. If you wish to cover your newly eligible spouse under medical and vision care, your flex dollars allocation will be adjusted, and you will be allowed to change your flex dollars allocation.
  

Note: the change must be requested within 31 days of the event.

• You can change your flex dollars allocation by increasing your payroll deductions.
  

Note: the change must be requested within 31 days of the event.

• You can review your family status and choose Couple or Family under both medical and vision care and dental care.
• You can change your option (Core, Balanced, Enhanced or Travel only) for medical and vision care.
• You can change your option (Preventive, Balanced, Enhanced or Opt-out) for dental care.
  
• You can add optional coverage at any time with proof of good health.

Note: the change must be requested within 31 days of the event.

• Will be adjusted depending on your choices.

• You can change your flex dollars allocation.

• You can change your flex dollars allocation.

• Your new spouse will be eligible for the EFAP.

• No change

• You can add your spouse to your account.

• No change

• No change

• No change
• You can change your contribution percentage. You can also contribute to a spousal RRSP. The spousal RRSP money will be owned by your spouse and will impact your RRSP limit.

• No change
• You can change your contribution percentage.

• The flex dollars allocation is based on the status you choose for medical and vision care.
• If you change your status under medical and vision care, your flex dollars amount will change. Note that if you already have a Single-parent or a Family status, and you decide to maintain your current status, your amount of flex dollars will remain the same, but you can change your flex dollars allocation.
  

Note: the change must be requested within 31 days of the event.

• You can change your flex dollars allocation by increasing your payroll deductions.
  

Note: the change must be requested within 31 days of the event.

• You can review your family status and choose single-parent or family under both medical and vision care and dental care.
• You can change your option (Core, Balanced, Enhanced or Travel only) for medical and vision care.
• You can change your option (Preventive, Balanced, Enhanced or Opt-out) for dental care.
  
• You can add optional coverage at any time with proof of good health.

Note: the change must be requested within 31 days of the event.

• Will be adjusted depending on your choices.

• You can change your flex dollars allocation.

• You can change your flex dollars allocation.

• Your new child will be eligible for the EFAP.

• No change

• You can add your child to your account.

• No change

• No change

• No change
• You can change your contribution percentage.

• No change
• You can change your contribution percentage.

• No change

• No change

• No change

• No change

• No change

• The EFAP might be able to help. Check out the variety of services available to you by clicking here.

• The Wellness program might be able to help. Check out the variety of services available to you by clicking here.

• No change

• No change

• No change

• By default, your contributions (and the employer match) will cease.
• You can choose to continue contributing under certain circumstances and receive the employer match by providing postdated cheques. For more information, contact the HR Absence Management team at CA-RH-HR-Medical-Absence@wsp.com.

• By default, your contributions (and the employer match) will cease.
• You can choose to continue contributing under certain circumstances and receive the employer match by providing postdated cheques. For more information, contact the HR Absence Management team at CA-RH-HR-Medical-Absence@wsp.com.

• Your flex dollars allocation will cease.

• Your payroll contributions will cease.

• Your coverage will end on the date indicated in your departure letter.
• You can convert your life insurance to an individual insurance plan without having to provide evidence of insurability. If you do so, you will have to enroll within 30 days of leaving WSP’s plan and pay premiums directly to the insurer.

• You will have 90 days to claim expenses incurred prior to your last day of coverage.
• Expenses incurred after the date indicated in your departure letter will not be reimbursed.

• You will have 90 days to claim expenses incurred prior to your last day of coverage.
• Expenses incurred after the date indicated in your departure letter will not be reimbursed.

• Your participation will end on the date indicated in your departure letter.

• You will no longer be eligible for the Wellness program.

• You will no longer be eligible for Virtual healthcare.

• You will no longer be eligible for additional vacation time.

• You will no longer be eligible for discounts.

• Your contributions (and the employer match) will cease.
• You will receive a termination letter from the insurer giving you options to transfer your money. This letter is typically mailed 4-6 weeks after your departure date.
• You will have 90 days from the date of the letter to make your selections or default options will apply.

• You will receive a termination letter from the insurer giving you options to transfer your money. This letter is typically mailed 4-6 weeks after your departure date.
• You can sell your shares or transfer them to a broker. If you sell your shares, you can either withdraw from the account or transfer to a RRSP or TFSA account outside of our plan.
• You will have 90 days from the date of the letter to make your selections or default options will apply.

• No change

• No change: You will only be able to change your options and the allocation of flex dollars added through payroll contributions at the next re-enrolment period.

• Your choice of option (Core, Balanced, Enhanced or Travel only) and status stay the same for medical and vision care.
• Your choice of option (Preventive, Balanced, Enhanced or Opt-out) and status stay the same for dental care.
• You may reduce or cancel your optional coverage, if necessary. Note that if you reduce or cancel your optional coverage, you will need to provide proof of good health to restore it, including the amount you obtained without proof of good health.

• No change
• If you cancel or reduce your optional insurance, your payroll contributions will adjust accordingly.

• No change

• No change

• The EFAP can help! You can get confidential consultations with a financial planner.

• No change

• No change

• No change

• No change

• You may wish to change your payroll contributions. If that’s not enough, you may use a portion of your savings. Consult the “Using your savings” page of this website for more information. Make sure you understand the tax and contribution room implications first.

• You may wish to change your payroll contributions. If that’s not enough, you may use a portion of your savings. Consult the “Using your savings” page of this website for more information. Make sure you understand the tax and contribution room implications first. Note that withdrawing from the plan is a sale of your shares and you will not be eligible for dividends for shares you no longer own.

• Your flex dollars allocation will cease.

• Your payroll contributions will cease.

• For 12 months following the date you passed away, your dependents will be covered under the Enhanced option for medical and vision care coverage and the Enhanced option for dental care coverage at no cost.
• Your designated beneficiary will be able to claim your Core life insurance amount, and any optional life insurance you chose.

• Your payroll contributions will cease.

• Your eligible dependents will have 90 days to claim expenses incurred prior to the date you passed away.
• Expenses incurred after the date of your death will not be reimbursed.

• Your eligible dependents will have 90 days to claim expenses incurred prior to the date you passed away.
• Expenses incurred after the date of your death will not be reimbursed.

• Your eligible dependents will benefit from the EFAP for 12 months after the date you pass away.

• Your participation will end.

• Your participation will end.

• Any unused vacation will be reimbursed to your estate.

• Your eligibility will end.

• Your contributions (and the employer match) will cease and Sun Life will liquidate all your assets.
• Your beneficiary will receive information from the provider giving them options to transfer the assets.

• Your contributions (and the employer match) will cease.
• Your beneficiary will receive information from the provider giving them options to transfer the assets.