To be an eligible participant in a Co-operators group benefits plan, plan members and their dependants must first have provincial health insurance, and work and reside in Canada. Ensuring it’s in place is the responsibility of plan administrators.

Some provinces have waiting periods (up to three months) before new residents receive provincial health insurance. The Co-operators allows enrollment during the provincial plan waiting period if plan members can provide proof of valid provincial plan replacement coverage. Provincial plan replacement coverage can be purchased through Allianz Global Assistance. It’s essential that you make sure your plan members (and their dependants) have provincial coverage in place prior to enrolling them in the group benefits plan. For more information, contact your Group Benefits Advisor.

Protect your benefits plan from rising costs

Discover some of the options available to help control drug costs without compromising the value of a benefits plan for your employees. Read more at

Employment Insurance (EI) changes require contract update

Learn how the recent EI waiting period changes impact your short term disability plan, and the steps you need to take to remain eligible for the EI Premium Reduction Program. Read more at The Co-operators® used by Co-operators Life Insurance Company under license from The Co-operators Group Limited.