Benefits Inquiries (myHR) Toll Free Phone Number: 1-877-613-6247 Email Address: myHR@enbridge.com
Benefits Claims (Sun Life) Phone: 1-800-361-6212 Website: mysunlife.ca
Pension Payment Inquiries (CIBC Mellon Customer Service Line)
Hours of Operation: Monday – Friday (8:30 am to 6 pm)
Toll Free Phone Number: 1-800-565-0479
This applies to those retirees in the “Enbridge Retiree Health Spending Account” plan only –
Easier health claims
under the Enbridge Retiree Benefits Plan
Following the steps in this flyer could make your health claims easier. Make sure you claim health expenses from your Health Plan first (before you claim from your Retiree Health Spending Account).
Please make your health claims in this order
1 Your provincial health care plan (if applicable)
2 Your Enbridge Health Plan (HP)
3 Your spouse’s plan or your private insurance
4 Your Enbridge Retiree Health Spending Account (RHSA)
Why does the order matter?
Many Enbridge retirees are claiming health costs from their RHSA first.
You need to “record” health expenses in the Health Plan, so you reach the deductible (your share of the costs) as soon as possible in the year. Remember that only eligible expenses count towards your deductible. Once you’ve met your annual deductible amount, the plan pays your remaining eligible claims, as described in your benefits booklet.
What happens if you claim from the RHSA first?
You won’t see the issue for the first few claims of the year. But once you’ve used your RHSA dollars, your health costs will go up for the rest of the year.
That’s because you start paying the Health Plan deductible you didn’t incur when you went straight through the RHSA.
The following pages show you how to claim in the right order, online and on a paper form.
How to claim from your Health Plan first
Sign in to your account at mysunlife.ca, using your Sign-in/Access ID and password.
Forgot these? Select Sign-in help in the sign-in section at mysunlife.ca.
•
Under the Benefits section on the next screen, choose Submit a Claim.
•
On the Submit a claim screen, choose Medical e-claim. Then follow the four steps as they appear on
the screen.
Step 1 lets you update your information. If it’s correct, simply choose continue.
Step 2 asks you to confirm that you agree to the terms and conditions of submitting an e-claim. If you agree, choose I agree.
Step 3 lets you choose options. Here’s where you choose to submit to your Health Plan first, then
your RHSA for anything left over. The leftover will go to your RHSA automatically. Select continue when you’re done.
Step 4 lets you submit the details of your claim. Select continue when you’re done.
Then you have the option to submit to your RHSA
•
You’ll get a summary screen. If you’re doing a Coordination of Benefits claim (i.e. you’ve claimed through another plan already), here’s where you’ll get the option to submit to your RHSA. Use the link that says Do you want to submit this amount to your Health Spending Account?
Want to submit any leftover amount to another plan?
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Next you’ll see a confirmation. Want to submit any leftover amount to your spouse’s plan or another insurance plan you have? Choose click here to view your Claim Statement. You can use that to claim under your other plan.
Otherwise, you’re all done. You’ve made a health claim that works toward meeting your deductible requirement and paid the deductible from your RHSA (if you haven’t already spent your RHSA) dollars, too.
Using a paper form?
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In Section 3, choose the second option:
Questions?
We’re
Questions?
We’re here to help. Please call Sun Life’s Client Care Centre at 1-800-361-6212, Monday to Friday, 6 a.m. to 6 p.m. MT. You’ll need your sign-in ID and password
Canadian Federal Dental Program
The Canadian Federal Government rolled out a new dental
care plan in December 2023. CIBC Mellon, the pension
trustee, was required to report current dental plan coverage
on T4As for the 2023 tax reporting year. Each T4A produced
by CIBC Mellon for Enbridge retirees had a box 15 populated
with one of the following codes depending on your eligibility
and participation in retiree benefits plan:
- Code 1—No access to any dental care insurance, or
coverage of dental services of any kind. - Code 3—Access to any dental care insurance, or coverage
of dental services of any kind for employees, spouse and
dependents.
The Enbridge Choices Plan and Retiree Health Spending
Account plans both have a health spending account (HSA)
and, therefore, Code 3 applies to these plans. Regardless of
the dollar amount in the HSA, the Canada Revenue Agency
(CRA) views this as access to dental coverage. Additional
information on the Canadian Dental Care Plan can be found on
the Government of Canada website.