Get Started

Our 3 steps to understanding and selecting the right benefits for you


Watch the Video

Why Group Benefits?

2. Find the right approach

3. Get the Quote


Our most popular plans with premium coverage and stable rates






Franchise Program


Experience Programs


Benefits Management


Group RRSP


Individual Insurance for your and your family


Simplified Planner


Contact us


Our Story


FAQ and Forms

iCBT What It Is and How It Can Help You


The Co-operators therapist-guided, internet-based Cognitive Behavioural Therapy

The Co-operators has partnered with Morneau Shepell to deliver an online iCBT program that combines a personalized therapist-guided program with online tools and exercises.

 In January 2019, eligible plan members and dependents can access therapist-guided, internet-based Cognitive Behavioral Therapy (iCBT) through their extended health care coverage.

 To access the program, plan members and dependents simply visit the Benefits Now® for Plan Members site and access the iCBT link (only visible to plans with psychologist/social worker coverage) in the Coverage Summary section.

 iCBT gives plan members and dependents easy online access to therapy from any mobile device or computer, allowing them to conveniently incorporate it into their daily life and schedule.

What is iCBT?

iCBT is internet-based Cognitive Behavioural Therapy
(CBT). Through iCBT people learn how their thoughts,
beliefs and attitude can impact their mood and behaviour.

Through interactive modules, plan members and
dependents can find alternate ways to look at problems and deal with issues.

 iCBT programs begin with screening for depression, anxiety, substance abuse, mania, sleep and other mental health concerns.

 iCBT has also been used to help build self-esteem and boost confidence.

How does it work?

  •  To start, a plan member must have
    existing psychologist/social worker coverage
    (Paramedical Practitioner). If available,
    the iCBT link will be displayed.
  • Plan members and dependents access the iCBT
    link on Benefits Now® for Plan Members where
    they’ll be guided through 10 modules and exercises
    by a professional therapist.
  • The total cost for the initial assessment and modules
    is $400, payable by credit card.
  • Plan members can submit expenses through e-claims
    or by paper claim.
  • No additional rating is being added to the plan’s
    paramedical practitioner coverage, as iCBT is included in the psychologist/social worker coverage maximum.

If you have questions, contact our Group Client Service Centre through our “Ask a Question” feature in the Benefits Now® portal, or by phone at 1-800-667-8164.

Follow Us On Social Media!

Looking at Benefit Plans for your business?

Health and Dental Premium Relief Extended for June

Health and Dental Premium Relief Extended for June

The health and dental premium reduction we provided to plan sponsors for April and May gave relief in real-time. In implementing this, it reflected the anticipated decrease in plan member health and dental claims due to pandemic closure of service providers. We...
Support For Small Businesses

COVID 19: Support For Small Businesses In BC

Small Business BC Support For the latest information on small business supports, resources and advisory services during COVID-19, please visit Small Business BC. Advisors are ready to help by phone at 1-800-667-2272, email and daily digital meetups. See how COVID-19...
Prescription Drug Cost

Prescription Drug Costs Breakdown

Understanding the total cost of a prescription drug claims means learning the 3 main components: 1) Ingredient Cost Actual cost the pharmacy pays the drug company or wholesaler to buy the drug. 2) Pharmacy Markup Percentage charged to cover the expenses involved in...
Why we ask for detailed quote information

Why Ask For Detailed Quote Information?

Why we need detailed quote information from your current plan? Detailed Quote Information tells us a story, enabling us to create the right solution Getting involved in a Group Benefits program is different than purchasing a commodity. Most consumers are...
long term disability

Non Evidence Maximums for Long Term Disability plans is pleased to announce new Non-Evidence Maximums (NEM’s) for Long Term Disability in our Pooled Programs. The following enhanced LTD Non Evidence Maximum table applies to new business in both our Essentials and Lifestyle programs:                    ...

Medical Cannabis Coverage

Groups with over 100 lives can request to add medical cannabis coverage to their Extended Health coverage. Medical Cannabis Coverage In October of 2018, recreational marijuana will be legalized in Canada. The legalization of recreational marijuana has sparked a...

Experience-Rated Program: Finding Facts

Since the launch of our Experience-Rated Program, we get asked to provide both Pooled and Experience-Rated quotes. We believe the 1st priority is to understand the client need and what outcome they are trying to achieve. Fact-Finding - A Better way to do... Pooled Programs – YTD Performance

We just completed our monthly review and thought I would share an update on the YTD performance of the pool: Fiscal year-end: Nov 30 Renewal rate implementation: June 1 As of August 31, 2018 we are 9 months into our fiscal year Claims are below target for...