Describe how the plan is managed
Bring a current plan summary, governance structure and the roles of advisers or administrators. Explain material changes, participant complaints and known matters as required by the application. Discuss outsourced administration without assuming outsourcing removes every responsibility from the sponsor.
Which responsibilities remain with the sponsor after outsourcing?
Read the exclusions with advisers
Ask about defence costs, limits, retention, prior acts and the treatment of benefits or other amounts owed. Canadian and U.S. legal frameworks differ; have qualified advisers connect the plan’s duties to the specific wording instead of applying one country’s rules to another.
Which requested payments or allegations fall outside the proposed terms?
Make the next conversation useful
Bring the current documents and explain any changes. These details are a useful starting point:
- Plan types and participant counts
- Plan assets and financial information
- Governance documents and committee roster
Ask the provider to connect its answer to the actual policy or eligibility terms, including exclusions, dates and reporting conditions. Keep the confirmed answer with the offer.
Sources & further reading
General insurance principles and the jurisdiction-specific references below support further reading. Examples are illustrative; individual policy terms require provider confirmation. Content updated October 11, 2026.