What happens when I am diagnosed with a terminal illness?

For disability benefits please refer to the “Disability” section of this FAQ.

If you are eligible for basic life insurance and are diagnosed with a terminal illness (death expected within 12 months) you may be eligible to receive up to 50% of your insured benefit amount to a maximum of $50,000. Application for the Living Benefit is voluntary and subject to insurer approval.

If approved, the benefit amount paid to your beneficiary and any amount which may be converted to an individual policy will be reduced by the amount payable to you under the Living Benefit. To apply for the Living Benefit Payment, please ask your School District Benefits Administrator to assist you with completing the PBC Living Benefit Checklist and PBC Living Benefit Claim Form and have your physician complete the PBC Living Benefit Attending Physician’s Statement.

Please send the completed forms to the following address:

Pacific Blue Cross

Disability and Life Claims

PO Box 7000

Vancouver, BC V6B 4E1