Your retirement benefits and pension plans
Stay in control of your healthcare and financial future with proactive engagement, ongoing support and easy access to your plans.
Group retirement benefits
Enjoy your benefits without interruption
Here are some things to keep in mind to ensure you continue to enjoy the security and peace of mind you’ve earned.
Update your personal information
Notify HR Operations of any changes to your personal information (such as name, address, phone number, email address) and family status (i.e. add or remove a dependent due to a life event, such as marriage, divorce, death or birth of a child).
Update a child’s dependent status
If you have a dependent child turning 21, and attending an accredited, post-secondary educational institution full-time, submit a completed Student Eligibility Form to HR Operations prior to their 21st birthday to ensure continued coverage. Once they graduate, you must remove them from the plan by completing the Remove Student Status section of the Student Eligibility Form and submit to HR Operations. Coverage will automatically terminate at age 25 (26 in Quebec).
How to make updates and changes to your benefits account
Contact HR Operations at 1-855-365-2667 or email HRSharedServices@cooperators.ca to:
- Update your personal information (i.e. name, address, phone number, email address)
- Inquire about your premium, T4As , etc.
- Update your banking information
- Report a life event
- Marriage or common-law relationship
- Divorce, separation, death of your spouse
- Birth, adoption or death of a dependent child
- When your dependent child becomes ineligible
- Material change to your spouse's alternate group benefits coverage (i.e. loss of coverage)
- Update your beneficiary (if your group plan has a basic life insurance benefit)
How to access your benefits coverage and make claims online
Register or log in to your Benefits Now account or download the app (iPhone & Android) to:
- Submit and manage health and dental claims
- View your benefit maximums and remaining balances
- View and print your pay-direct card
- Access and download forms on the Benefits Now website
- Use the ‘Ask a Question’ feature to receive quick responses to any of your questions
To log in, you will require your group number and certificate number.
Sample login information:
Group Number: 7272
Certificate Number: 12345 (as shown on your pay-direct card)
Have questions about your coverage or claims?
For coverage, claims or Benefits Now inquiries, you can also contact Group Client Services toll-free at 1-800-667-8164 Monday to Friday 8:00 a.m. to 8:00 p.m. ET or email us at Group_client_services@cooperators.ca. For a copy of your group benefits plan booklet, email HR Operations at HRSharedServices@cooperators.ca.
How to submit your benefits forms
For a comprehensive list of forms, log into Benefits Now for Plan Members website and select the ‘Forms’ tab in the left hand navigator.
Once completed, submit the following forms to HR Operations by email or mail:
- Enrolment/Change form*
- Coverage Option form*
- Decline Coverage
- Pre-authorized Cheque Plan - monthly premium deduction through HR Operations
- Student Eligibility Form
*Application for new enrolments and dependants reported more than 31 days after becoming eligible (e.g., date eligible for retiree benefits, date of marriage or common-law status, date child is born, etc.) require health evidence of insurability and may result in reduced and/or declined coverage. Refer to the eligibility section of your plan booklet.
How to contact HR Operations
Hours of operation: Monday to Friday, 8 a.m. to 4 p.m. ET
Phone: 1-855-365-2667
Email: HRSharedServices@cooperators.ca
Mail: 101 Cooper Dr., Guelph, ON, N1C 0A4
Group pension plans
Manage your group pension plan online
Log in to your Co-operators Group Retirement and Savings or CUMIS Services Incorporated online account to review your balances and statements, and to access forms (such as beneficiary change form).
Have questions about your pension plan?
Co-operators and CUMIS Services Incorporated Group Retirement Plans/Defined Contribution Pension Plan
Contact a retirement representative
Hours of operation: Monday to Friday, 9 a.m. to 5 p.m. ET
Phone: 1-833-631-4991 (Select option 1)
Email: retirement_income@cooperators.ca
CUMIS Services Incorporated Defined Benefit Pension Plan
Contact: Lisa Scanlon, Senior Pension Specialist, Retirement Services
Hours of operation: Monday to Friday, 9 a.m. to 5 p.m. ET
Phone: 1-800-263-9120 Ext: 225132
Email: lisa.scanlon@cumis.com
The Policyholder/Plan Sponsor, Co-operators Group Limited, reserves the right to amend, modify, qualify, reduce, suspend or terminate any of its programs (including benefits) or policies/plans covering employees and former employees (including retirees), at any time and from time to time, including following retirement.
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