PART VII ACCIDENT AND SICKNESS INSURANCE
Continuation of accident and sickness insurance where contract terminated
297 (1) Where a contract of group accident and sickness insurance, or a benefit provision therein, is terminated, the insurer continues to be liable to pay to or in respect of any group person insured under the contract benefits under the contract relating to, (a)  loss of income because of disability; (b)  death; (c)  dismemberment; or (d)  accidental damage to natural teeth, arising from an accident or sickness that occurred before the termination of the contract or benefit provision as though the contract or benefit provision had remained in full force and effect; but the insurer is not liable to pay a benefit for loss of income because of disability in respect of the recurrence of disability arising from an accident or sickness that occurred before the termination of the contract or benefit provision if the recurrence occurs after the termination of the contract or benefit provision and after a period of six months, or such longer period as is provided in the contract, during which the group person insured was not disabled.  2012, c. 8, Sched. 23, s. 40. Time limit on insurer’s liability (2) An insurer that is liable under subsection (1) to pay a benefit for loss of income as a result of the disability of a group person insured is not liable to pay the benefit for any period longer than the portion remaining, at the date the disability began, of the maximum period provided under the contract for the payment of a benefit for loss of income in respect of a disability of the group person insured.  2012, c. 8, Sched. 23, s. 40. Continued coverage under replacement contract (3) Where a contract of group accident and sickness insurance, in this section called the “replacement contract”, is entered into within 31 days of the termination of another contract of group accident and sickness insurance, in this section called the “other contract”, and insures the same group or a part of the group insured under the other contract, (a)  the replacement contract shall be deemed to provide that any person who was insured under the other contract at the time of its termination is insured under the replacement contract from and after the termination of the other contract if, (i)  the insurance on that person under the other contract terminated by reason only of the termination of the other contract, and (ii)  the person is a member of a class eligible for insurance under the replacement contract; (b)  every person who was insured under the other contract and who is insured under the replacement contract is entitled to receive credit for satisfaction of any deductible earned before the effective date of the replacement contract; and (c)  no person who was insured under the other contract at the time of its termination may be excluded from eligibility under the replacement contract by reason only of not being actively at work on the effective date of the replacement contract, and, despite subsection (1), if the replacement contract provides that all benefits required to be paid under subsection (1) by the insurer of the other contract are to be paid instead under the replacement contract, the insurer of the other contract is not liable to pay those benefits.  2012, c. 8, Sched. 23, s. 40. Section Amendments with date in force (d/m/y) 2012, c. 8, Sched. 23, s. 40 - 01/07/2016