11. Does my coverage lapse when I retire?

Yes, as follows:

  • A PWUPP member who retires retains title insurance on his or her registered property for as long as he/she retains a registered interest in the property
    • Note also that a member may register a property, the title of which is held solely by the member’s spouse, but only if the member is one of the occupants of the property. In this case, the spouse would retain title insurance on his or her registered property for as long as he/she retains a registered interest in the property.
  • The member remains covered for identity theft and legal defence for incidents that occurred during the entire annual Program period in which the member retired so long as the member has reported them to the Program Manager (Call Center or Crawford) within either 90 days of retirement or within 45 days of becoming aware of such loss or claim. Such a member would be covered for claims that occurred during that timeframe and which are reported to the Program Manager during that timeframe.
    • Because of the payment structure arranged by the PWU (Program period running annually from April 11th each year for legal defence and July 31st for ID Theft), if a member retires in March of a year, but has his or her identity stolen in June of that year, they are covered for the incident.
    • Moreover, if he or she is sued or charged criminally with respect to an incident that occurred during that Program period, he or she would still be covered by the PWUPP in respect of that incident. However, please note that notice of claim must be given to the Program Manager before expiration of that Program period.
    • Therefore, a member who is going to retire and becomes aware of an incident that may give rise to a civil suit or criminal charge against the member should ensure that he or she notifies the Program Manager of the potential claim before the end of the Program period in which the event occurs.
    • Example: Member A is the subject of a criminal investigation resulting from a physical altercation that took place in June and the member retires the next October. The member must inform the Program Manager of the event (even though no charges have been laid) before April 11 of the next year, the date on which his coverage ends.
Accessibility by WAH
10. Can retirees buy coverage at their own expense?
12. Are my legal fees and bills covered if I incur the costs after February 26th, 2007 but the fees relate to claims, suits, or otherwise legal proceedings arising out of events that occurred before February 26th, 2007?