Make the most of your retirement
Stay in control of your healthcare and financial future with proactive engagement, ongoing support and easy access to your plans. Find out how you can get more out of retirement.
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 your name, address, phone number and email address) and family status (including adding or removing a dependent due to a life event, such as a marriage, divorce, and death or birth of a child).
Update a child’s dependent status
If you have a dependent child turning 21 who is 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 it to HR Operations. Coverage will automatically terminate at age 25 (26 in Quebec). Sign in to Benefits Now® to find a comprehensive list of forms.
How to make updates or inquire about your benefits account
Contact HR Operations at 1-855-365-2667 or email HRSharedServices@cooperators.ca to:
- Update your personal information including your name, address, phone number and email address
- Inquire about your premium or T4A slip
- Update your banking information
- Report a life event such as a marriage, common-law relationship, divorce, separation, death of your spouse, birth or death of a child, adoption, when your dependent child becomes ineligible, or material changes to your spouse’s alternative group benefits coverage or loss of coverage
- 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 a claim online
Sign in to your Benefits Now® account to:
- Submit and manage health and dental claims
- Review your plan details, including your benefit maximums and remaining balances
- Access and print your pay-direct card
- Find and download forms
- Use the ‘Ask a Question’ feature to receive quick responses to any of your questions
To sign 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)
Don’t have an online account? Register today.
Have questions about your coverage or claims?
For coverage, claims or Benefits Now® inquiries, contact our Group Client Services at 1-800-667-8164 Monday to Friday from 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, sign in to Benefits Now® and select ‘Forms’ under the ‘Resources’ dropdown menu.
Please 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
Sign 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
Community events
Retiree Open House at Guelph headquarters
We’re excited to welcome you to our new headquarters in Guelph!
When: 9 to 11 a.m. on Friday, April 11, 2025; sign-in and optional breakfast (for purchase) will take place from 9 to 10 a.m. Guided tours will be available. Please select a preferred tour time when you RSVP.
Where: 101 Cooper Drive, Guelph
RSVP: RSVP to the open house by Wednesday, March 26
If you have questions, please email NewWorkplace@cooperators.ca.
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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