A-32.1, r. 1 - Regulation under the Act respecting insurance
69. Every group sickness or accident insurance contract must stipulate (1) that its expiry or the cancellation of any protection may not be set up against a claim based on
(a) death or mutilation resulting from an accident that occurred while the contract was in force; or
(b) a disability that arose or a sickness contracted while the contract was in force; and
(2) that the insurer remains bound to compensate the participant for salary loss if the participant is still disabled after the contract expires.