Group Benefits
Maximize your available coverage with
Coordination of Benefits (COB)
We want you to get the most out of your benefits plan
with Manulife Financial. Did you know that informing
Manulife about your spouse’s coverage and coordinating
family benefits may help you recover up to 100% of your
eligible expenses?
Keep reading for more information about Coordination of
Benefits (COB) and to find out how you can keep your
COB information up to date.
Under COB, insurance companies share the responsibility
of paying for eligible health and dental expenses by
determining which of these plans is primary and which is
secondary. The primary plan considers the claim first and
the unpaid balance is then considered by the secondary
plan. Benefits are coordinated between the two plans to
ensure that you receive reimbursement for up to 100 %
of your eligible expenses.
What is COB?
It’s common to have access to more than one health and
dental plan in families with two working adults. The two
plans may have slightly different levels of coverage and
provide different service options.
How does COB work?
CLAIM IS FOR…
FIRST…
THEN…
You
submit to Manulife
for any unpaid balance, you should send a copy of your
Manulife claim statement and the other insurance company’s
claim form to the other insurance company for processing.
Your spouse
submit to spouse’s insurance
company
for any unpaid balance, you should send a copy of the other
insurance company’s claim statement with a completed
Manulife claim form to us for processing.
Dependent
children
send to the insurance company
of the parent who has the
earlier birth month and day.
(If both parents have the same
birth month, then use the
parent with the earliest day in
the month.)
submit the claim statement for any unpaid balance to the other
insurance company, along with the applicable claim form.
If you have any questions, or if you would like more information, please call Manulife’s Customer
Service Centre at 1-800-268-6195.
Group Benefits products are offered through Manulife Financial (The Manufacturers Life Insurance Company). © 2012 The Manufacturers Life Insurance Company. All rights reserved. Manulife, Manulife Financial, the Manulife Financial For Your Future logo, the Block Design and the Four
Cubes Design, Strong Reliable Trustworthy Forward-thinking are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license. .
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For more information, please visit www.manulife.ca/groupbenefits.