Retiree benefits

Retiree life insurance

All employees who are registered in either the Civic Employees’ Pension Plan or Police Pension Plan receive life insurance benefits. When you retire, your benefits continue, at a reduced amount.

If you are a current employee, you can find information on your benefits on CityNet by logging in to the employee portal.

Enrollment

Membership in the Civic and Police Employees’ Group Life Insurance Plan (the Plan) continues into retirement automatically, at a reduced amount, unless you choose not to participate in the Plan.

When you retire, you will need to complete the Group Life Retirement form and return it to Human Resource Services before your last day at work to prevent a delay in coverage.

Benefit details

Coverage after you retire reduces to a percentage of the Basic Life coverage amount (one- or two-times coverage) in effect at retirement.

Basic Life is a death benefit that is paid to a member’s beneficiary(ies) in the event of their death.

The reduction of coverage is as follows:

  • Before age 65: 50% of Basic Life
  • Age 65 – 69: 25% of Basic Life
  • Age 70+: 15% of Basic Life

Retired members will continue to participate in the Plan and will continue to contribute the required contributions. Your contributions are calculated based on your coverage in effect during retirement.

Beneficiary designation

When you name a beneficiary, it ensures that your benefits are paid as you wish when you pass away.

When you retire, you must submit an updated Beneficiary Designation form (hard copy, original ink signature) to Human Resources before your last day of work.

Learn more about beneficiary designation. (PDF, 99KB)

Retiree life rates

The bi-weekly contribution rate for retired members is 0.025%.  This rate is reviewed regularly and is subject to change.

The bi-weekly contribution cost is calculated using the following formula:

  • [Average bi-weekly earnings pre-retirement x Basic Life Option x Retirement Coverage Factor (based on age)] x bi-weekly contribution rate

Calculation example

Based on a member who was enrolled with 2x annual earnings for Basic Life insurance, the coverage at retirement will be impacted by their age. If a member has average bi-weekly earnings at retirement of $2,000, the coverage in effect at retirement would be:

  • Under age 65: ($2,000 x 26 x 2)* 50% = $52,000
  • Ages 65 – 69: ($2,000 x 26 x 2)* 25% = $26,000
  • Ages 70 and up: ($2,000 x 26 x 2) * 15% = $15,600

The cost is calculated on a bi-weekly basis based on the age and coverage in effect.

Using the example above, the Retiree Life contribution cost using the current bi-weekly contribution rate would be:

  • Under age 65 = ($2,000 x 2 x 50%) * 0.025% = $0.50
  • Ages 65 – 69 = ($2,000 x 2 x 25%) * 0.025% = $0.25
  • Ages 70 and up = ($2,000 x 2 x 15%) * 0.025% = $0.15

Conversion at retirement

Within 31 days of retirement, you have the option to convert insurance coverage with the Plan to an individual life insurance plan. No evidence of insurability will be required if you apply within 31 days of your retirement date.

The amount available to be converted to an individual plan will be reduced by the Basic Life benefit being retained under the Retiree Life benefit.

Learn more about how conversion works, amount limitations, and how to apply (PDF, 87KB).

Claims

In the event of your passing, your designated beneficiary or estate representative will need to contact the Civic and Police Employees’ Group Life Insurance Plans Corporation to initiate the claim process by emailing City of Winnipeg Total Compensation & Benefits.

Learn more about making a claim (PDF, 99KB).

Notice of change

All retired members have a responsibility to keep their information up to date for administration of their Retiree group life benefit.

For beneficiary designation updates (PDF, 106KB), submit the hard copy (signed in ink) to Total Compensation & Benefits.

For all other changes, please complete the Notice of Change form (PDF, 85KB).

Support & contact

If you have any questions or require additional support, please contact us.

  • Email: EmployeeBenefits@winnipeg.ca
  • Phone: 204-986-7996
  • Mail:
    Total Compensation & Benefits
    6th Floor, 510 Main Street
    Winnipeg, MB   R3B 1B9

Plan governance

In accordance with the City of Winnipeg By-Law No. 82/2015, retirees of the City of Winnipeg and eligible Participating Employers enrolled in the Civic and Police Employees’ Group Life Insurance Plan (the Plan) are enrolled upon retirement from their employer.

The Plan is governed by the Board of Directors of the Civic and Police Employees’ Group Life Insurance Plans Corporation. Canada Life is responsible for claims adjudication and processing of benefits payable upon the death of an eligible Retiree.

Was this information helpful?

How can we make this web page better?

Information collected will be used to improve our website. Do not use this form to submit a request for service or information because it will not be forwarded to departments for response. To submit a request for service or information, contact 311.

This form is not intended to collect personal information; however, any personal information you choose to include in your comments is collected by the City of Winnipeg under the authority of section 36(1)(b) of the Freedom of Information and Protection of Privacy Act for the purpose of improving our website and will not be used or disclosed for any other purposes, except as authorized by law. Contact the Corporate Access and Privacy Officer by mail (City Clerk’s Department, Susan A. Thompson Building, 510 Main Street, Winnipeg MB, R3B 1B9) or by telephone (311) if you have any questions about the collection of this information.