life changes

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QUALIFIED LIFE EVENTs →

Coverage changes →

when coverages continue →

when coverages end →

What Happens to Coverages Due to a Qualified Life Event or Change in Work Situation

You can change Optional coverages under the Flexible Benefits Program outside of Annual Enrolment only if you experience a qualified life event. And, under certain work situations coverages continue while other coverages end.

WHAT’S A QUALIFIED LIFE EVENT

A change in your personal situation that allows you to change your existing Optional coverage elections under the Flexible Benefits Program. Any change to coverage must be consistent with your qualified life event.

EXAMPLES OF QUALIFIED LIFE EVENTS

Examples of qualified life events may include:

Marriage or a common-law union (common-law union requires one year of cohabitation)
Birth or adoption of a child
Legal separation or divorce
A dependent’s change in eligibility
Change in coverage under another program
Your spouse’s change in employment
Death of a spouse or child

Planning to retire?

Upon retirement, you may be eligible for certain retiree coverages and retirement benefits through MDLZ. Before you start the retirement process, learn what may be available to you.

coming soon >

MAKING CHANGES TO YOUR COVERAGES

If you experience a qualified life event and as a result want to make a change to your Optional coverages under the Flexible Benefits Program, contact the Mondelēz Canada Benefits Centre at 1-800-641-1500 (Option 1 – Benefits; Option 1 – Health & Welfare Benefits) within 31 days of the date of the event. The change takes effect retroactive to the date of the event. If you don’t notify within the 31-day period, you’ll need to wait until the next Annual Enrolment period to make any changes to your Optional coverages.

Note: If evidence of good health is required, the change only takes effect once the carrier—Sun Life and/or Sutton—approves the evidence of good health. And, if you’re not actively working when the change occurs or when Sun Life and/or Sutton approves the evidence of good health, the change only takes effect once you return to active work.

INSTANCES WHEN COVERAGES CONTINUE

If your work status changes, here’s what happens to your and your covered dependents’ coverages under the Flexible Benefits Program in certain situations.

Coverages	while on an approved leave of absence	while on a pregnancy or parental leave	while you receive std benefits	while you receive ltd benefits (full-time employee onlY)
Health and Dental	Coverage continues for up to six months*+	Coverage continues*+	Coverage continues**+	Coverage continues**+
Core Life Optional Life Optional AD&D Critical Illness Insurance	Coverages for you, your spouse, and/or child(ren) continue for up to six months*+	Coverages for you, your spouse, and/or child(ren) continue*+	Coverages for you, your spouse, and/or child(ren) continue**+	Coverages for you, your spouse, and/or child(ren) continue (premiums are waived, and you can't increase coverage)+
STD	Coverage ceases during your leave	Coverage continues during your leave	You receive STD benefits	Coverage ends
LTD	Coverage ceases during your leave	Coverage continues during your leave*	Coverage continues**	You receive LTD benefits
BTA	Coverage ends until you return to work full time	Coverage ends until you return to work full time	Coverage ends until you return to work full time	Coverage ends until you return to work full time
EAP	Coverage continues during your leave	Coverage continues during your leave	Coverage continues during your leave	Coverage continues during your leave

* You pay the cost, if any to continue coverage. ** Payroll deductions, if any, continue to be deducted from your STD/LTD benefit. Note: If you don't authorize the carrier to deduct your contributions for Health and/or Dental coverage from your STD and/or LTD benefit, your Health and/or Dental coverage ends. + For any portion of the leave that's a paid leave, payroll deductions (if any) continue to be deducted. If any period of the leave is unpaid, you pay the cost (if any) outside of payroll.

WHEN COVERAGES END

Coverages generally end once you (or your covered dependent) no longer meet the Flexible Benefits Program’s eligibility requirements. Coverages end if you:

Terminate from MDLZ;
Retire from MDLZ (unless you’re eligible for certain retiree coverages in place on your retirement date); or
Die (Health and Dental coverages continue for your covered dependents through the end of the third month following your date of death).

Core Life Insurance and Optional Life Insurance coverages end on the date you terminate or retire. You (or your spouse) may convert coverage to an individual policy at your own cost (you must apply for a conversion within 31 days).

If you die, your designated beneficiary(ies) receive a death benefit based on the following coverages in effect on the date of your death:

Core Life Insurance;
Optional Life Insurance (if applicable);
Optional AD&D Insurance (if applicable) if your death results from an accident; and/or
BTA Insurance coverage (if your death results from an accident while traveling on Company business).

That’s why it’s important to keep your beneficiary information on file with the Mondelēz Canada Benefits Centre up to date. See Life, Accidental Death and Dismemberment (AD&D), and Business Travel Accident (BTA) Insurance for additional details about naming your beneficiary. Your covered spouse (if applicable)—in the event of your death—may convert their Optional Life Insurance coverage to an individual policy by applying for a conversion within 31 days.