Foursquare Group Insurance

Effective Date of Employment Coverage

Your coverage will become effective after the waiting period has been completed, provided application for benefits has been made within 31 days after the end of the 3 month waiting period. Application made after that date means you are a late applicant with restricted coverage.

If you are not actively at work on the day you would normally become eligible, you will become eligible upon return to full-time employment.

Evidence of insurability is required when:

  1. You are a late applicant for any benefit (you did not apply during the 31 days eligibility period but requested coverage at a later date);
  2. You apply for coverage in excess of the non-medical evidence limit.

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