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Information for your Protection Plus Benefits

Congratulations on your purchase of Protection Plus Benefits!

Coverage to protect your family from the financial impact of a major illness, injury, or death.

Information for your Protection Plus Benefits

Congratulations on your purchase of Protection Plus Benefits!

Coverage to protect your family from the financial impact of a major illness, injury, or death.

About your coverage

General coverage details (including coverage amounts and designated beneficiaries) are available on the Member Services Site & the Blue Cross Mobile App. Check out the coverage section to download your detailed policy booklet (called “Schedule of Benefits”).

Download the Blue Cross Mobile app or access the Member Services Site.

download on the app storeget it on google play

Making changes to your policy

Follow the steps below to make changes to coverage, beneficiaries, payment types or in the event of a life event.

You will need to complete a new Protection Plus Benefits application for the following:

  • Increasing coverage – indicate only the additional amount of coverage you need
  • Adding Protection Plus Benefits for your spouse or dependents – indicate the family member and the amount of coverage for each.

The calculated rate will only show the premium amounts for that additional coverage, which will be on top of your current premium deduction.

You can change your designated beneficiaries1 at any time by completing and submitting a new beneficiary designation form. Link to form

You can change the way you pay for your coverage through our Blue Cross Mobile App or through logging in to the Member Services Site. You can choose to pay with either pre-authorized debit or with credit card.

To make any other changes (for example, to remove a spouse from your coverage), complete a  Change Form.

For those who recently underwent any of the Life Events listed below in the past 31 days, medical questions will be waived for total amounts up to your group’s Non-Evidence Limit2:

  • marriage or common law union
  • birth or adoption of a child
  • divorce or legal separation
  • the Member's or Dependent's other coverage terminates for reasons outside of their control
  • death of a Dependent

Applications must be submitted within 31 days of the Life Event occurring.


1. Please note: in Quebec, if you designate your spouse as a beneficiary, they’re considered an irrevocable beneficiary (unless you’ve specifically requested that they be considered revocable). Making changes to an irrevocable beneficiary designation (either to remove their name as beneficiary or to change the allocation percentage) requires the written consent of the named irrevocable beneficiary.

2. The Non-Evidence Limit is the amount of coverage you can purchase without answering any medical questions. When you use the quote tool, you’ll be told what that amount is for your group.

Making a Claim

All claim forms for Critical Illness, Life and AD&D benefits can be obtained in the member resources section of our website.

You can submit your completed claim form to Blue Cross Life through the Blue Cross mobile app, by mail, fax or scan to the address indicated on the applicable form.

Did not find the answer you were looking for?

Check out our FAQ for additional information

For questions relating to existing Optional Benefits coverage, claim or premiums: 1-844-949-3809

Did not find the answer you were looking for?

Check out our FAQ for additional information

For questions relating to existing Optional Benefits coverage, claim or premiums: 1-844-949-3809

TM Trademark of the Canadian Association of Blue Cross Plans, an association of independent Blue Cross Plans.Used under license by Blue Cross Life Insurance Company of Canada.

Blue Cross Life Insurance Company of Canada underwrites all life and disability benefits.

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