Commencement of Benefits

The AFBS Insurance Program renews annually each March 1st. AFBS Members who are insured through the Insurance Program will receive a Statement of Insurance Benefits outlining the available benefits each March.

If you do not receive Your Statement of Insurance Benefits in the mail by the end of the 3rd week in March, please contact AFBS. Decisions regarding any options that may be indicated on Your Statement of Insurance Benefits must be provided to AFBS by the date specified on the Statement. Requests received by AFBS after the deadline cannot be accepted.

The Benefit Year commences each March 1st and ends on the last day of February of the following year. The Board of Governors of AFBS retains the right to change, modify or terminate in whole or in part any insurance benefit at the conclusion of the Benefit Year.

Benefits offered each Benefit Year provide coverage 24-hours-per-day, seven days per week.

The benefit level for which you are eligible is determined as of March 1st and this information is summarized on Your Statement of Insurance Benefits that is sent to you each March.

Special Option for First-Time Members of AFBS

On becoming a first-time Member of AFBS, you may purchase Bronze Level benefits, which include Extended Health Care and dental care benefits, for yourself and eligible dependant family members as applicable. This is a time-limited option available to Canadian residents who are between ages 18 and 65 only. AFBS must receive the application for benefits by the date specified in your new Member information package. AFBS mails this information in the month following receipt of notification from your Guild of AFBS membership eligibility.

If you became a first-time Member of AFBS in January or February, information about this option will be provided on Your Statement of Insurance Benefits which is issued in March. During the remainder of the year, a separate information package will be sent to every first-time Member when they join AFBS.