Credit and mortgage claims
Find the information you need to submit a payment protection insurance claim for life, disability, loss of employment or critical illness.
Submitting a claim
You can submit a claim by using our Online Portal or through our contact centre.
Online Portal
Use the Online Portal to submit a life, disability, loss of employment or critical illness claim.
Not sure how to use our Online Portal? Learn more about submitting and tracking your claims online.
Contact centre
Call: 1-800-263-9120
CUMIS
P.O. Box 5065, 151 North Service Road
Burlington, ON
L7R 4C2
Life claims
If the policy is specific to Credit Union lending, we recommend contacting the financial institution as they’ll be responsible for the claim submission.
Life insurance claim requirements
- Full name of insured person
- Certificate number or enrollment number
- Loan account number
- A copy of the Funeral Director’s Death Certificate or a Provincial Death Certificate
- Confirmation of the cause of death, if not indicated in at least one of these documents
- A signed Authorization from the estate representative
- Disclosure Authorization – Death Claim CR111
A Proof of Death - Physician's Statement CR116 will also be required if:
- The outstanding debt or loan balance at death is $75,000.00 or greater
- A Monthly Premium Line of Credit is being claimed with an insurance balance that is $50,000.00 or more and death is within two years of the effective date of the policy
- A Group Mortgage Protection or Member’s Term Life Claim is being claimed, and death is within two years of the effective date of policy.
Making a life claim through the contact centre?
You will need to fill out a Notice of Death Claim Form:
What happens after a life claim is submitted?
- We will coordinate the information needed with the financial institution and next of kin
- All claim payments are made payable to the financial institution
- The estate representative may contact CUMIS at any time for the status of the claim
Disability, loss of employment and critical illness claims
We will require the following information for all claims:
Identification information
- Your name
- Date of birth
- Mailing address
- Telephone number
Loan information
- Number of insured loans
- Name of your financial institution
- Certificate/enrollment numbers
- Loan account number
Additional information required for each claim type:
Disability claims
Employment information
- The last day that you were able to work
- Occupation
- Date of hire, hours worked
- Job duties
- Employer’s name and address
- Rate of pay
- Whether you are self-employed or seasonally employed; if seasonal, the months worked
Medical information
- Details about your disabling condition including the cause of your disability
- Date your disability started
- Medical treatment you are receiving including dates thereof and the name(s) and address(es) of the doctor(s) that are treating you
- Return to work plans
- Information pertaining to other benefits you are receiving
Loss of employment claims
- Date of hire
- Date of job loss
- Employer’s name
- Reason for job loss
- Details of any severance package received
- Copy of your Record of Employment filed with Human Resources Development Canada
- Proof of receipt of Service Canada Benefits from your date last worked and through claim duration
Critical illness claims
Conditions specifically covered under this coverage are outlined in your Certificate of Insurance.
Medical information
- Date of diagnosis
- Medical treatment you are receiving including dates thereof
- The name(s) and address(es) of the doctor(s) that are treating you
What happens after a disability, loss of employment or critical illness claim is submitted?
- Your Claims Service Representative will advise if additional documentation will be required to proceed with your claim
- The forms we require will be mailed, emailed or faxed to you and/or your physician(s), and your employer along with a claim number
- You will complete and return to us an Authorization for Release of Information
- You are responsible for any payments due to your financial institution credit provider until the claim is approved. If the claim is approved, we will pay benefits after the waiting period (applicable to Disability and Loss of Employment Insurance). We will advise you of the length of the waiting period at the time your claim is submitted. There is no waiting period for critical illness claims
- On approval of your claim, a letter will be sent indicating the payment(s) made on your behalf. A copy of the letter or an explanation of the benefits will also be sent to your financial institution or credit card provider
- If your claim is denied, we will advise you in writing
Your privacy
Protecting your privacy is important to us. Privacy legislation requires that we do not disclose information relating to a claim to anyone but the claimant or in the case of a Life Claim, the estate representative. When you are calling for the status of a claim, we will verify key pieces of information with you to ensure you are the claimant or estate representative. If the degree of your disability necessitates that we discuss your claim with someone other than yourself (i.e., your spouse), we require written authorization from you to do so. If we do not have your written authorization to speak with the individual calling, we will ask if you are available to provide verbal authorization for the call. For Life Claims, we will confirm we are speaking with the estate representative.
Still have questions?
Contact us at 1-800-263-9120 on weekdays between 8 a.m. and 8 p.m. You can also download commonly asked questions.