Please note that the definition of beneficiary has recently been amended in the Long Term Insurance Act, which impacts the payment of Unapproved Death and Funeral benefits. An employer may no longer determine the beneficiary and benefits cannot be paid directly to the employer. This means that an insurer may not accept an employer resolution instructing them who to pay, nor may an employer advance a payment and ask the insurer to reimburse them. Where no beneficiary has been specified on the beneficiary nomination form or where no beneficiary nomination form has been completed, the insurer will pay the Death Benefit and/or the Funeral Benefit to the Insured Person’s estate. It is, therefore, critical that each member completes an updated insurer beneficiary nomination form and that this is kept up to date and on record with the employer. The most recent and updated insurer beneficiary nomination form must be presented to the insurer in the event of a claim.