Insurable Spouse/Common-Law Partner
A member's legal spouse or common-law partner is insurable. A legal spouse refers to a person lawfully married to the member according to applicable provincial legislation. A common-law partner refers to a person who is living with the member in a conjugal relationship.
Insurable Child
A child is insurable 24 hours of age, and remains insurable as long as the child is:
Where a member or the insured spouse/common-law partner is appointed guardian of a child, the child is not insurable unless:
Great-West Life has received satisfactory proof of the guardianship. In addition, if the insured spouse/common-law partner is the guardian, the insured spouse/common-law partner must be living with the member.
A child age 21 or over is insurable if the child is either:
Note: A child is considered a full-time student if they have been in registered attendance at an elementary school, high school, university, or similar educational institution for 15 hours a week or more within the previous six months. A child is not considered a full-time student if they are being paid to attend an educational institution.
A child is considered incapacitated if they are incapable of supporting themselves due to a physical or psychiatric disorder.