FAQ - La Capitale and SSQ Insurance are coming together to become Beneva

It’s official: La Capitale and SSQ Insurance are now Beneva

You've probably noticed that this past year that La Capitale took on Beneva’s look and feel. SSQ Insurance will do the same in 2023. New name, same caring approach rooted in mutualism that reflects who we are: people protecting people.

Rest assured, you don't need to take any action and your current policy doesn’t change. You benefit from the same coverage and the same good people are still looking out for you.

General

Based on the type of product you hold, details of the change to Beneva can vary.

Rest assured that you will continue to benefit from the same: coverage and services, and that this won’t affect your claims or investments. No action is required on your part.

The following chart explains how this change applies to your situation:

 
Type of product you hold How this change affects you
Property and casualty insurance with SSQ, Life Insurance Company Inc. (including replacement insurance) On January 1, 2023, your P&C insurance policy underwritten by SSQ, Life Insurance Company Inc. and its renewal will be transferred to Beneva Insurance Company, which will become your new property and casualty insurer.

But rest assured, no action is required on your part. You will continue to benefit from the same coverage and your claims will be processed as usual.

Until December 31, 2022, Beneva Insurance Company was known as La Capitale General Insurance Inc.
Property and casualty insurance with La Capitale General Insurance Inc. On January 1, 2023, La Capitale General Insurance Inc. changed its name to Beneva Insurance Company.

But rest assured, no action is required on your part. You will continue to benefit from the same coverage and terms for your current contract, and your claims will be processed as usual.
Group insurance with SSQ, Life Insurance Company Inc. or La Capitale Civil Service Insurer Inc. On January 1, 2023, La Capitale Civil Service Insurer Inc. and SSQ, Life Insurance Company Inc. are joining forces to become Beneva Inc., your new life and health insurer.

But rest assured, this won’t affect your coverage, claims, disability insurance or investments, and no action is required on your part.
Mutual fund investments handled by a Beneva Inc. representative On January 1, 2023, Beneva Inc. will transfer its mutual fund brokerage business to its subsidiary, Beneva Investment Services Inc.

This won’t change your investments or business relationship with your representative. He or she will become a Beneva Investment Services Inc. partner for the distribution of mutual funds. No action is required on your part.
Individual life and health insurance with La Capitale Financial Security Insurance Company Don't worry, nothing changes for you. This insurer continues to operate separately under the same name.

You don’t need to take any action, you’re still covered. There is no impact on your current products and services. All La Capitale and SSQ Insurance contracts are honoured.

You continue communicating with us the same way as before. By telephone or email, we’re always available to answer your questions and provide guidance.

Combining the two companies requires a lot of work. To continue providing unparalleled customer service, we will transition to Beneva one company at a time. SSQ Insurance begins its transition to Beneva as of January 1, 2023.

The full transition to Beneva will take some time. The visual references to La Capitale will gradually disappear. Rest assured that your products and services, even if they transition to the Beneva name, remain the same.

Of course. Beneva is the result of two local companies with mutualist roots coming together, whose purpose has always been to protect people. By uniting La Capitale and SSQ Insurance, Beneva becomes the largest mutual insurance company in Canada.

Home, car and recreational vehicle insurance

No changes have been made to your policies. All current policies remain valid, in full.

No, because the same teams are there to ensure you get the same quality of service.

Yes, until you renew, your contract remains as is.

If you have products with both La Capitale and SSQ Insurance, your multi-product discounts will be added when you renew with Beneva. Until then, it is not possible to exchange information between the two companies.

Your insurance certificate is included with your contract. If you opted for the digital contract, you can obtain a digital certificate on the SSQ Client Centre, which you can keep on your cell phone at all times. We can also send you a copy by mail.

Our Claims department continues to operate in the same manner. If you have a pending claim, it has the same claim number, and the people who guide you will remain the same as well.

As usual, you can always contact our claims adjusters at 1 855 747-7711.

Group insurance

No. You can continue to submit your claims the same way as before.

For the time being, you can continue to use the same insurance card.

No. Your group insurance plan remains the same. You don't have to do anything.

You can get in touch with us at the usual phone numbers.

Life and health insurance

As of January 1, Beneva, which was created through the union of La Capitale and SSQ Insurance, will continue to offer your products and coverage.

You don’t need to take any action. You continue to benefit from the same coverage and terms for your current contracts and products.

You don’t need to take any action.  As of January 1, Beneva, which was created through the union of La Capitale and SSQ Insurance, will continue to offer your products.

You still benefit from the same coverages and terms for your current contracts and products.

As of January 1, you will notice that the service provider(s) listed as payee(s) on your bank's website and mobile app will change to Beneva.

Rest assured that you will continue to receive your benefits, as there is no change to your insurance contract.

As of January 1, you will notice that the service provider(s) listed as payee(s) on your bank's website or mobile app will change to Beneva.

Savings and investments

As of January 1, Beneva, which was created through the union of La Capitale and SSQ Insurance, continues to offer your products and coverage. You don't have to do anything: the terms and conditions of your investments, as detailed on the investment certificates that were mailed to you, will remain the same. If you have any additional questions about your investments, contact your financial security advisor.

As of January 1, the name on your statements will be Beneva. Your pre-authorized debit agreement has been amended accordingly.

You don't have to do anything; the terms and conditions of your investments remain the same.

Rest assured that you will continue to receive your benefits, as there is no change to your insurance contract.

You do everything the same way as before. The process for amending a contract remains the same, and our financial security advisors will continue to guide you. The same teams will remain in place.

Billing and payments

Will the invoice I receive be any different?

As of January 1, 2023, all La Capitale and SSQ Insurance products and services will be invoiced under Beneva.

Will there be any changes to the way I make my payments?

Until January 1, 2023, you must continue to make your payments the same way.

As of January 1, 2023, your financial institution will automatically change the payee to Beneva. If you have not already set up your online payments, you will have to select one of the payees from the following list depending on the product you hold.

Service providers listed as payees on your bank’s website or mobile app
by product category (starting January 1, 2023)
Product category Payee after January 1, 2023
Group Insurance
La Capitale group insurance Beneva – La Capitale Group Insurance
SSQ Group Insurance Beneva – SSQ Group Insurance
SSQ Insurance - Privilege Beneva - Privilege
Life and Health Insurance
Life and Health Insurance Beneva – Individual Insurance
Savings and Investments Beneva – Financial Services
Home/Auto & Commercial Insurance
Home/Auto & Commercial Insurance Beneva – General Insurance
Collections on claims Beneva - Recovery
Liability Insurance Beneva - Liability Insurance

Will there be any changes for payments by cheque?

As of January 1, 2023, your cheques must be made payable to Beneva Inc. With the exception of cheques for La Capitale Financial Security, Accident & Sickness, which will remain payable to "La Capitale Financial Security Insurance Company".

If my contract is with La Capitale, what reference number should I use to make my payments online?

Nothing changes. Continue to use your current 15-digit reference number for your payments.