How to Enroll
Hospital, Health and Dental Care Plans
NB: Please read Important Notes and the Privacy and Confidentiality Statements prior to enrollment.
- Download the attached Enrollment Form and complete in full. Make sure to indicate Plan I, Plan II or Plan III and if you wish to enroll in the Annual Travel Insurance Plan. If you wish coverage for your spouse, please fill out the required section. Print, sign and date the Enrollment Form.
- Do not send money. All that is required is a blank cheque marked "VOID" to set up the convenient Pre-authorized Debit Agreement for your monthly premiums.
- Mail your Enrollment Form and your void cheque to: ENCON Group Inc., 1900 – 11 King Street West, Toronto, ON M5H 4C7.
Coverage begins on the later of the Effective Date that you requested on your Enrollment Form or the date your Enrollment Form and your void cheque are received by ENCON.
Coverage under the Annual Travel Insurance Plan (if requested) begins on the later of the actual Effective Date of your Hospital,
If applying for a Hospital, Health and Dental Care Plan after the 90-day guaranteed acceptance period – your acceptance is subject to the completion of a medical questionnaire and approval by the insurance company. Please contact ENCON Group Inc. to obtain the appropriate medical questionnaire. Our toll free number is 1-800-363-7861 or you may email us at mroo@encon.ca.
Benefits Reminder Service
If your benefits do not terminate in the near future, and you would like to consider the MROO program when they do, simply email us or call our MROO insurance program specialists at 1-800-363-7861. We will need your name, contact information and the date your benefits terminate in order to contact you in advance of the date you have indicated.
Important Notes
- Convenient monthly payments – the Pre-authorized Debit Agreement, set up through your bank, trust company or credit union saves you time and the cost of writing and mailing your cheques. It also helps ensure that your payments are always on time.
- Money-back guarantee – once you receive your policy you will have 10 days to review it. If you are not completely satisfied, simply return it for a full refund of premiums less any claims paid.
- Tax-deductible premiums – health and dental plan premiums are considered a medical expense and can be used to calculate your medical expense tax credit when completing your federal income tax return. To make record-keeping easier, you will receive an annual statement free of charge.
- If anytime after enrollment, you choose to upgrade from Semi-Private Hospital (Plan I) to the Semi-Private Hospital and Extended Health Care Plan (Plan II), acceptance will be subject to completion of a medical questionnaire, and approval by Manulife Financial.
- Dental Care coverage is available to you and your spouse only if your employer-sponsored group plan provided dental care coverage.
- If you and your spouse were covered by an employer-sponsored group plan and you elect not to enroll in a MROO plan when your group benefits terminate, your spouse may still enroll subject to completion of a medical questionnaire, and approval by Manulife Financial. Your spouse must be between the ages of 50 and 75 inclusive, a Canadian resident and currently covered under a provincial/territorial health plan.
- If you and your spouse were covered by your employer-sponsored group plan and you die before or within 90 days of retirement, your spouse may enroll in a MROO plan within 90 days of your death without completing a medical questionnaire. If 90 days have expired, your spouse may still enroll, subject to completion of a medical questionnaire and approval by Manulife Financial. Your spouse must be between the ages of 50 and 75 inclusive, a Canadian resident and currently covered under a provincial/territorial health plan.
- If you die while you and your spouse are both enrolled under a MROO health plan, your spouse may continue coverage as an individual for as long as premium continues to be paid. Premium would be reduced to the single coverage rate at the time ENCON is notified of your death.
- Provided your premium is paid, only you can cancel your policy. Your policy cannot be cancelled by Manulife Financial because of your personal health or number of claims incurred while these plans are in force.
Privacy and Confidentiality Statement
Hospital, Health and Dental Care Plans
The specific and detailed information requested on your Enrollment Form is required to process your application. To protect the confidentiality of this information, Manulife Financial and its agent, ENCON, will establish a "financial services file" from which this information will be used to process your application(s), and administer services and claims. Access to this file will be restricted to those Manulife Financial employees, agents, mandataries or administrators who are responsible for the assessment of risk (underwriting), administration of services and the investigation of claims, and to any other person you authorize or as authorized by law. These people, organizations and service providers may be in jurisdiction outside Canada, and subject to the laws of those foreign jurisdictions. Your participation in the Retirees Insurance Program may be made known to the Municipal Retirees Organization Ontario and ENCON in order to bring other products and services offered under the program to your attention. The use of such information to offer products and services is optional, and if you wish to discontinue such use, you may write to ENCON Group Inc., at 1900 – 11 King Street West, Toronto, ON M5H 4C7, or to Manulife Financial at the address provided below. Your file is secured in the office of Manulife Financial or its agents. You may request to review the personal information it contains and make corrections by writing to: Privacy Officer, Affinity Markets, Manulife Financial, P.O. Box 4213, Station A, Toronto, ON M5W 5M3.