Benefit Year – is 12 months from the effective date of coverage.
  • Premiums can be paid annually or monthly.
  • Couple means yourself and one eligible dependant. This can either be a spouse or dependant child.
  • Your premium rate will be based on your age at the beginning of each Benefit Year.
Québec  members under Age 65 – a surcharge of 10% will be added to the premium costs to meet the RAMQ legislative requirements (RAMQ is Québec's mandatory Prescription Drug Plan). When a member has personal coverage such as the Writers’ Coalition Program, RAMQ requires that prescription drug benefits be provided to both the member and their eligible dependants in accordance with its prescription drug formulary.
Monthly Premium Costs
Up to Age 44 $110.31 $198.15 $285.34
45-49 $118.17 $213.92 $303.63
50-54 $126.08 $229.77 $324.75
55-59 $135.81 $247.47 $347.73
60-64 $129.77 $236.02 $326.94
65-69 $129.17 $233.00 $320.60
70-75 $116.85 $211.59 $289.06

Termination of Coverage if Premiums Are Not Paid

Insurance coverage will lapse when the monthly premium due for that month is still outstanding at the end of the month. Insurance coverage will terminate when premium due has been outstanding for more than 30 days. Coverage then terminates retroactive to the end of the period for which premium has been received.

In The Event of Your Death

If you die, coverage for each eligible insured dependant will continue and premiums continue to be paid when due. Your estate is encouraged to contact the Writers’ Coalition Program administrator at AFBS as soon as possible so that Life insurance benefits may be paid, our records updated and any premium adjustment made.

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