Legal

Trademarks

®Blue, Blue Advantage, Blue Chip, Blue Choice, Blue Cross, Blue Cross Life, BlueLink, Saskatchewan Blue Cross, Second Opinion and True Blue Difference are registered trademarks of the Canadian Association of Blue Cross Plans (CABCP), used under license by Medical Services Incorporated, an independent licensee operating as Saskatchewan Blue Cross. Push2Play is a registered trade-mark of Saskatchewan Blue Cross. *Trade-mark of the Canadian Association of Blue Cross Plans. †Trade-mark of the Blue Cross Blue Shield Association.

Disclaimer

Saskatchewan Blue Cross uses reasonable effort to ensure all information on its websites is current and accurate; however, your use of the information is at your own risk. All content is subject to change without prior notice; the site may not be an authoritative source of information about Saskatchewan Blue Cross or its products and affiliates.

Links

On this website Saskatchewan Blue Cross provides links to other websites for your convenience only. The information contained in these links may be changed or updated without notice. References do not imply endorsement or recommendation. It is your responsibility to verify information contained within linked sites before relying on it.

Pre-authorized Debit (PAD) Agreement

The Pre-authorized Debit (PAD) Agreement [LINK] is used to authorize Saskatchewan Blue Cross to debit your bank account for payment of monthly premiums for Personal Health Plans and Employer Benefits Plans.

If you authorized Saskatchewan Blue Cross to debit your bank account on the first business day of every month, as payment for your policy, and funds are not available on this date, the debit will be represented three (3) days later. Your authorization permits Saskatchewan Blue Cross to present multiple payments, as required to maintain your policy, and/or to charge a service fee for declined debits. The PAD Agreement states that Saskatchewan Blue Cross is not responsible for any bank service charges relating to declined debits.

You may revoke your authorization at any time by submitting written notice to Saskatchewan Blue Cross at least ten (10) business days before the next debit date. To obtain a sample cancellation form or more information on your right to cancel a PAD Agreement, you may contact your financial institution or visit www.cdnpay.ca.

You have certain recourse rights if any debit presented by Saskatchewan Blue Cross does not comply with the PAD agreement you signed. For example, you have the right to receive reimbursement for any debit that is not authorized or is not consistent with the PAD Agreement. To obtain more information on your recourse rights, you may contact your financial institution or visit www.cdnpay.ca.

Consumer Complaints and Resolution

If you are dissatisfied with a decision or service related to a life or disability insurance product, you may have the situation reviewed. For complaints relating to the denial of a life or disability claim, please contact the case manager who handled your claim for guidance through the appeal process. For all other types of complaints related to life or disability insurance products, please follow the steps listed below.

Discuss your concern with the person or office that sold the product or provided the service. Many issues can be resolved by simply speaking with your advisor or a customer service representative.

If you are still dissatisfied, please contact the Regional Compliance Representative

The Regional Compliance Representative will arrange to have your complaint investigated by an internal Review Committee. If you are not satisfied with the conclusion of the review committee, you may appeal the decision to the Regional Compliance Representative and an Appeal Committee will investigate further and make a determination.

If the complaint is not resolved by means of the Company's internal complaint handling process outlined above and you wish to pursue your complaint further, you may contact the OmbudService for Life & Health Insurance (OLHI). The OLHI is a national independent complaint resolution and information service for consumers of Canadian life and health insurance products and services, including life, disability, employee health benefits, travel, and insurance investment products such as annuities and segregated funds.

For assistance with a complaint or information enquiries call the national bilingual toll-free line:

OmbudService for Life & Health Insurance (OLHI)
Toll-free 1-888-295-8112
www.olhi.ca

At all times throughout the complaint handling process, with any questions or comments related to the process, you may contact the Company's Complaints Officer at:

Complaints Officer
Blue Cross Life Insurance Company of Canada
644 Main Street
Moncton NB E1C 8L3
Fax 506-867-4646
BCLCompliance@bluecrosslife.ca

Federal Consumer Provision Complaints

The Financial Consumer Agency of Canada (FCAC) oversees compliance with federal consumer protection requirements. These requirements include providing consumers with information on complaint handling procedures and on borrowing costs. If you have a complaint about a consumer provision, you may contact the FCAC at:

Financial Consumer Agency of Canada
6th floor, Enterprise Building
427 Laurier Avenue West
Ottawa ON K1R 1B9