This FAQ was created to help you support your clients during the COVID-19 pandemic. Even if our local offices are currently closed, the necessary solutions have been put in place to ensure the good continuity of our services. Our sales team remains available to offer you the support you need.
Last update: July 22, 2020
Q1. In the current economical situation, how do you plan to support advisors?
R1. Effective April 1, 2020, we are postponing charge backs of commissions due to cancellations or lapses received as of this date, for a period of 60 days.
Please note that the recovery of commissions due to cancellations and lapses will be maintained until July 31, 2020.
Q1. My client’s contract was cancelled due to the COVID-19 crisis and he would like to reinstate his contract, what is the process?
R1. In the current context, the relief measures below are offered for the reinstatement of contracts cancelled between March 11, 2020 and July 31, 2020. These will temporarily replace our standard rules.
Reinstatement (depending on the length of time since the effective cancellation date).
- Less than 6 months ago: Declaration of good health form confirming that health has remained unchanged since the cancellation of the contract.
- Extended Health and Dental Care benefits: reactivation without payment of retroactive premiums
- All other benefits: reinstatement with payment of retroactive premiums
- As of 6 months, but less than 12 months ago: reinstatement with payment of retroactive premiums
- Products requiring underwriting*: Complete Health declaration form with Additional health declaration form due to COVID-19.
- Products without underwriting: declaration in the new application
- As of 12 months of: new application
* Including Association Program and SME Plan
We would like to remind you that, in the event of a reactivation or reinstatement, your clients may not submit claims retroactively for any events that occurred, or any services obtained during the period when their contracts were no longer in effect.
The health declaration form as well as the additional health declaration form due to COVID-19 are all available on the Advisor resources section of the Website.
Q2. Will services to advisors be maintained in the context of the COVID-19 pandemic?
R2. Yes. The necessary measures have been put in place to ensure that all our services are maintained and to meet our usual claims processing times. Our Info-Partners, Commissions and Contracting, as well as our sales directors remain available by phone or by email.
For the time being, if you have any documents to send us, please send them by email
For any requests related to administration or medical underwriting, please contact:
- Info-Partners Health :
- 514-286-2626 or 1-800-361-2538 (option 2, then option 1)
For any questions related to your commissions, please contact:
- Commissions and Contracting
- 514-286-2626 or 1-800-361-2538 (option 2, then option 2)
Contact our sales directors:
- Montréal, Outaouais, Laurentides and Lanaudière
- Jean-Gaston Baudart
- Montréal, Montérégie and Estrie
- Natacha Carrier
- Eastern Québec
- Nathalie Lemonde
Q3. My client is having trouble paying their premiums. What options can I offer to them?
If your client is experiencing financial difficulties as a result of the crisis, contact Info-Partners or ask them to call our customer service department at 1-888-822-2583 to take the necessary measures for the payment of their premiums and avoid having their financial institution charge them a fee for insufficient funds. We will be able to offer them a 90-day period to pay their premiums. During that time, their coverage will be maintained. Following this 90-day period, we will apply the terms of the agreement taken with your client.
If your client fails to call us before the expected date of their payment, our usual rules apply.
In addition, after the 90-day payment period, we offer your client the possibility to spread their premium payments over a period of up to 6 consecutive months, without any interest charges. Please contact our customer service department to review the payment terms.
Please note that this relief measure will be maintained until July 31, 2020.
Q4. What are the accepted methods of payment for the initial premium?
R4. We accept the following methods of payment for the initial premium:
- Credit card
- Pre-authorized debit (PAD)
Payment by cheque is no longer accepted at this time
Q5. Can you deliver the contract by electronically?
Q6. Are remote sales allowed?
R6. Yes. We accept insurance applications signed remotely (i.e. without the physical presence of the client) and delivered electronically. Please note that you will be required to also send a copy to your general MGA.
Q7. What types of documents can be sent electronically?
R7. We accept the following documents by email:
- Insurance applications
- All documents required for delivering the contract
Q8. What types of signatures are accepted?
R8. We accept the following signatures:
- Handwritten signature (pen or stylus) and sent electronically y
- Adobe Sign, DocuSign, OneSpan, EZSign, Authentisign or NexOne Sign electronic signature with the authentication certification
Q9. A witness signature is required in one of the forms, but I don’t have access to a witness in the current context. What are my options?
R9. We will temporarily accept insurance proposals, change requests and setting requirements without the witness signature.
Q10. Because of physical distancing and the closure of non-essential services, my client has reduced visits to health professionals. Since he continues to pay for his coverage without using it, what solution can I offer him?
R10. As of the month of May, for a three-month period, we are offering:
- 50% reduction on the dental care benefit monthly premium
- 20% reduction on the extended health care benefit monthly premium
No action on your part or your client’s is required. This reduction will be automatically applied to the accounts of all clients who have enrolled in the benefits mentioned above.The latest reductions were applied to the accounts of eligible clients on June 29, 2020.
Also be advised that we will not apply retroactive charges to your commissions despite this premium reduction.
Q1. Will COVID-19 impact medical underwriting?
R1. Insurance requests from clients returning from a trip outside the country will be put on hold for two weeks from the date of their return. A health declaration will also be required upon delivery of the contract.
Insurance requests from clients who are planning to travel outside the country within the next months, while a government-issued advisory to avoid all travel is in place, will be postponed until their return to the country. They will have to comply with the medical requirements in place at this moment.
Q2. If a client requires medical tests, laboratory tests, paramedical services or other in-person assessments in order to complete their application, what should we do?
R2. Our providers are gradually resuming their paramedical services. However, we will continue to offer the following two options until July 31, 2020 to give your clients more flexibility:
- Maintaining the initial insurance amount. As insurance requests were deferred during the crisis, we will ask for paramedical services if necessary since they are now available again. We are currently prioritizing pending requests since March 11.
Q3. What have you implemented since paramedical services are no longer offered?
R3. We have created a new temporary medical requirements table necessitating only a telephone interview:
This table applies retroactively to any insurance application under analysis since March 15, 2020 for the Disability due to Illness and Overhead Expenses benefits of the Blue Flex product and the Disability benefit of the Mortgage Plan. We will re-evaluate all pending requests.
Please note that this temporary measure will be maintained until July 31, 2020.
Q4. To avoid delays caused by the COVID-19 influx for telephone interviews, what other solutions do you offer?
R4. We are temporarily accepting the health declaration form combined with the additional health declaration form due to COVID-19. You will find these documents in the Advisor resources.
This temporary measure will be maintained until July 31, 2020. We will reassess the situation subsequently.
Q1. My client has been quarantined. When will they receive their disability payments?
R1. To be eligible for disability payments, your client must:
- Have been diagnosed with a COVID-19-related infection.
- Meet the disability definition of their insurance policy.
If your client is eligible, the waiting period before they receive their payments for disability benefits starts on the first day they were placed under quarantine.
To submit a disability claim, your client must follow the steps on our website.
Q2. What are the turnaround times for claims processing?
R2. The necessary measures have been put in place to meet our claims processing times. However, because we are experiencing longer than normal turnaround times to receive the medical documents required, claims could be delayed. Thank you for your understanding and your patience.
For the time being, we ask that all our clients send their claims by email or by fax.
- Claims Health insurance products :
- Claims Life and disability insurance products :
Q3. My client recently consulted a medical practitioner via tele/video consultation. Can they submit a claim for these services?
R3. Yes, we are accepting claims for consultations carried by phone or video chat with the following medical practitioners (if they are covered by the client’s contract):
- Audiologist or audioprosthetist
- Nutritionist or dietician
- Occupational therapist
- Speech and language therapist
- Physiotherapist or Physical rehabilitation therapist
- Podiatrist or chiropodist
TRAVEL INSURANCE COVERAGE
Q1. My client is planning to travel outside their province of residence. Can they purchase the travel insurance offered as part of the Express Plan? - UPDATED
R1. Yes, as of July 22, 2020, it is possible to purchase the travel insurance coverage offered with the Express Plan.