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Post-Retirement Life Insurance

Most CN employees, who retired in the last 30 or more years, and now receive a monthly CN Pension, are likely entitled to a CN paid-up post retirement life insurance policy. The CN retiree population is made up of a wide range of former employees who, based on their employment group (unionized vs. non-unionized), union group/management classification, retirement date, duration of employment, etc., may or may not be entitled to post-retirement life insurance.  For those entitled to such a benefit, elements such as coverage amount, policy number and insurance carrier can differ from one retiree to another based upon the factors previously listed. 

 

The CNPA gets many calls and emails from pensioners and their families on their entitlement or how to claim when a pensioner passes away. The CNPA, in conjunction with CN Pension & Benefits Administration, has developed the following Question & Answer framework which will provide some information on this insurance and the claim process.

Do I have post-retirement life insurance coverage?

 

What is the amount of the coverage?

 

Who holds my policy?

Please refer to your retirement package which includes all the necessary information.

If you no longer have the document provided at the time of your retirement, please contact CN Pensions & Benefits Administration at 1-800-361-0739.   Please have your PIN ready. The agent will be able to confirm if you are covered, the amount thereof, the insurer and the policy number.  The agent will be able to provide the contact information of the insurer.

Who is my designated beneficiary? 

 

How do I designate or change my beneficiary?

Life insurance beneficiary information is not administered by the CNPA or CN Pension & Benefits Administration. Beneficiary information is maintained by the policy's insurer and you should contact them to confirm this information. Should you not know your insurer, please contact CN Pension & Benefits Administration per the note above.

Contact the policy's insurer if you wish to designate or change the beneficiary of your policy.  They will guide you through the process of making this change. 

How is a claim filed following the death of an insured retiree?

If you have not already done so, please contact CN Pensions & Benefits Administration at 1-800-361-0739.   Please have the PIN of the deceased ready if possible.

Upon notification of the death, CN Pension & Benefits Administration will advise the insurer as well as mail a package to the surviving spouse and/or executor of the estate which will contain the forms required to file the life insurance claim.

How can you determine the status of a life insurance claim after it has been submitted?

Contact the policy's insurer directly.  The CNPA and CN Pension & Benefits Administration do not have access to the insurer's systems and cannot confirm the status of a claim.  Should you not know your insurer, please contact CN Pension & Benefits Administration per the note above.

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