How it works
The Flexible Group Insurance Program is a flexible benefit plan that allows you to select different coverages based on your needs. Each year, you receive an allocation of CAEselect Dollars, based on a fixed dollar allocation and a percentage of your base salary. These dollars are available in the CAEselect Tool to spend during enrollment.
The CAEselect Dollars annual allowance is a base allocation + % of your base salary.
CAE provides you with mandatory basic benefits circled in the chart below. CAE wants to ensure you have at least a basic level of insurance coverage should the unexpected happen.
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CAEselect Dollars
Pay for all, or a part of, your selected options – Learn more
Health Care*
Basic
Option 1
Option 2
LTD
Basic
Option 1
Option 2
Option3
Life
Basic
Dental Care
Option 1
Option 2
Option 3
Life Insurance
Employee
Spouse
Child
AD&D Insurance
Employee
Spouse
Child
Critical Illness
Employee
Spouse
Check out the CAEselect Benefits Guide and CAEselect Benefits Summary to learn more about coverage options available to you and tips to consider when making your selections. You will be able to see the price of each coverage option only once logged in the enrollment CAEselect tool. You will be able to test different scenarios before locking in your final choices.
Mandatory Insurance Coverage
You automatically receive the “Basic” coverage and can choose additional coverage during enrollment, as outlined in the CAEselect Benefits Summary.
Optional Insurance Coverage
Optional Insurance Coverage means that it is not mandatory. It is up to you if you would like to enroll in these benefits, check out the available options for the coverage in the CAEselect Benefits Summary.
Coverage Status
Select from three coverage statuses. You will need to decide your coverage status and can choose a different status for Health Care and Dental Care. For example, you can choose “Single Parent” for Health Care and “Individual” for Dental Care.
Individual | No dependents |
Family | You, your spouse and your eligible dependent children |
Single Parent | You and your eligible dependent children |
Ready to enroll?
Check out the Enrollment Checklist to help you get started. Watch for a “Welcome Email” for instructions on how to access the CAEselect Tool to enroll.
Note: Be sure to enroll before the deadline to avoid being registered under the default coverage, without being able to modify your choices before the next annual re-enrollment period or following an eligible life event.
What happens if you do not enroll?
Whether you’re enrolling for the first time, or making changes during annual re-enrollment, you must make your benefits selections before the deadline.
When you are first eligible to enroll, if you do not complete your online enrollment by the deadline, you will receive the default coverage that will apply until the next annual re-enrollment period.
Default coverage
You will not have another opportunity to select and/or change your benefits coverage during the year, unless you experience a qualifying life event.
Making Changes
Life Event
A life event is a major event in a person’s life that may impact personal circumstances enough to justify a benefits change before the next annual re-enrollment. Life events can include:
If you experience a life event, you can update your benefits coverage within 31 days of the date of the life event. To make changes, go to the CAE Benefits website, access the CAEselect Tool and click on “Group Insurance Program” to update your benefits coverage.
Note that it’s not possible to change the allocation of CAE select dollars, even during a life event. If the coverage changes made during a life event create new extra CAE select dollars, the employee will be able to choose the allocation for these dollars. If the coverage changes made during a life event are more expensive than initial coverage choices, there will be deductions on the employee’s pay.
*Quebec employees: please note that it is your responsibility to ensure that you and/or your dependent children are registered for Health Care coverage under the Group Insurance Program, unless covered elsewhere.
Annual Enrollment
When you select your benefits as a new hire at CAE, you are choosing your benefits for the current year.
Each year, you will need to re-enroll in your benefits for the next year, during the CAE annual re-enrollment period. You can modify your coverage to have more or less coverage. If you select less coverage, the two-year participation rule will apply.
If you do not re-enroll:
Two-Year Participation Rule
Health Care & Dental Care options are subject to a two-year participation period.