Membership

- Applicants must be at least 18 years old but not more than sixty five (64) years old as of the enrollment date.

 

- He or she must be a regular or not regular employee of any organized group, company institutions or churches accredited by CCT Group of Ministries (http://www.cct.org.ph)

 

- In good health condition

 

MEMBER’S LEGAL DEPENDENTS

 

1. Legal dependents of a married member are as follows:

 

1.1 Member’s legal spouse;

1.2 At most two (2) of the member’s biological and/or legally adopted children, single, and fourteen (14) days old but not more than twenty-one (21) years old; and

 

1.3 Any of the member’s biological and/or legally adopted children over twenty-one (21) years old, single, has a congenital disability, incapacitated to work and chiefly dependent on support.

 

1.4 If the husband and wife will enroll separately in BLIP, then they are both considered individual “principals” and as such entitled to have two (2) dependent children on their coverage.

 

2. Legal dependents of a single and unmarried member without biological children are his/her biological parents who are sixty-five (65) years old and below.

 

3. Legal dependents of a single and unmarried member but with children are as follows:

 

3.1 At most two (2) of the member’s biological and/or legally adopted children, single, and fourteen (14) days old but not more than twenty-one (21) years old; and

 

3.2 Any of the member’s biological and/or legally adopted children over twenty-one (21) years old, single, has a congenital disability and incapacitated to work.

In this case, biological parents of those single (unmarried) members but with children will no longer be considered as their legal dependents.

 

MULTIPLE COVERAGE

 

- If an insured is covered under more than one Certificate of Membership, either as the principal member or as legal dependent under some other’s Certificate of Membership, the amount of indemnity upon loss shall be based on whichever Certificate of Membership has the higher Amount of Benefits.

 

GRACE PERIOD

 

- Any member who fails to pay his/her weekly contribution shall be given a grace period of forty-five (45)calendar days from the date of default of contribution payment within which to remit the contributions.

 

2. In case of death or total and permanent disability (whichever is applicable) of the member or his/her legal dependent during the grace period, arrears shall automatically be deducted from the benefits payable.

 

TERMINATION

 

1. The insurance coverage under the Certificate of Membership of BLIP shall automatically terminate under the following conditions whichever comes first:

 

1.1 upon death or total and permanent disability of the member;

1.2 upon resignation from any groups affiliated with CCT MBA;

1.3 upon resignation of the member from CCT Mutual Benefit Association Inc;

1.4 upon attainment of age sixty- five( 65) of the member;

1.5 upon expiration of the grace period if no payment is received by then; and

1.6 upon termination of membership with cause by CCT MBA.

1.7 upon payment of the member’s Equity Value.

 

2. The legal dependent’s coverage is co-terminus with the member’s coverage. Termination of coverage shall be without prejudice to any claim arising prior to such termination.