Assuming I’m eligible to do so, how do I apply for coverage above the NEM (Additional Coverage)?
A. You must complete and submit a Group Health Evidence form (also known as an Evidence of Insurability form) to RWAM to apply for consideration of your eligibility for excess coverage over and above the NEM. Please ensure that the correct insurance provider’s form is submitted (providers are listed at the back of your Employee Benefits Booklet). Health evidence forms for the various insurance providers are available here. Additional coverage will only become effective once the insurer approves coverage after reviewing your health evidence. If your application for the desired excess coverage is declined you continue to be eligible for any existing coverage you already hold.
