Coughlin & Associates
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Across the country, thousands of Canadians rely on Coughlin & Associates Ltd. to design and administer their group medical, dental, disability, life insurance, pension and other benefits. Established in 1958, Coughlin & Associates Ltd. provides services to some of Canada's most respected companies, unions and public service organizations.

Our Ottawa head office serves customers in Ontario, Quebec, British Columbia, and the Atlantic provinces. Our Winnipeg office services clients throughout Manitoba, Saskatchewan, Alberta and British Columbia. We look forward to providing Service Beyond Expectations to the members of your organization.
Services
Service Beyond Expectations makes Coughlin & Associates Ltd. a leader in employee benefits services. We've built our success by recruiting high calibre employees; those dedicated to providing Service Beyond Expectations in everything they do. If that describes YOU, then check out the career opportunities available at Coughlin & Associates Ltd.
Which benefits consultant is best for your organization? Which one offers the most value - not only in dollars and cents but also in products, services and support? Coughlin & Associates Ltd.'s team of experienced benefits consultants can help your organization to develop the most effective benefits or pension plan for your members or employees.
Coughlin uses in-house staff and its own proprietary data systems to develop and manage group benefit and voluntary life plans for both single employer and multi-employer groups.

The result: Employee census information, enrolment files, beneficiary listings, monthly billings, disbursements, claims information, account reconciliations, applicable tax filings and other data can be updated and audited on a regular basis based on your organization's requirements or those of the plan's insurer.
Since 1958, Coughlin has provided claims adjudication and payment services to the employees and members of Canadian plan sponsors. Coughlin & Associates Ltd.'s claims adjudication team has been carefully trained to adjudicate and process dental, medical, life insurance and short and long-term disability claims in the most efficient manner possible.
Reviews (10)
Jacques Trottier
Jacques Trottier
Jan 25, 2022
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Critical: Responsiveness
Does not respond to emails and if they do, they don't directly answer your questions; it's all canned responses. After 5 days, I am still waiting on a response to a simple question about an insurance policy I have with them. I will be looking to take my business elsewhere.
Lauren Dunlop
Lauren Dunlop
Jan 14, 2022
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Critical: Quality, Value
Stay away, they're useless. Your doctor who specializes in your illness can order you to be off work for a short time, and Coughlin will deny it, because their office dwellers know better than a medical professional. I'm not even entitled to benefits with them in the first place. It costs them literally nothing.
Gilles Wendy
Gilles Wendy
Oct 25, 2021
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Extremely difficult to get any answers. They do not return phone calls and the service is extremely slow. They may say it was covid like everyone but it has been like this much longer!
Jamie Weir
Jamie Weir
Sep 12, 2021
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Takes literally forever to submit a claim.
Step 1 .. print out a paper coph of your medical expense claim form to start a claim
Step 2... write down on the claim form what the expense was.tgen take a picture of the filled out form
Step 3.. turn expense claim form picture into a PDF format so that it can be submitted ( careful though ,if the PDF is more then 10 megabytes then you have to send a second email with the same information stating that the form pages are 1 of 2.... and 2 of 2 otherwise the claim will be refused . But wait it's not over yet ..
Step 4... take a picture of your receipt
Julie Beauchamp
Julie Beauchamp
Jul 25, 2021
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I have dealt with Coughlin since 1987and I have had nothing but the best of service. Things have changed with covid but we all need to be patient as they are doing the best they can in difficult circumstances. Keep up the great work and stay safe.
Marie-Helene Ryder
Marie-Helene Ryder
Jun 23, 2021
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I have my health insurance through you and though there are some hoops to jump through you have covered more then any other insurance company has in my long life of type 1 diabetes. I really appreciate it and your great customer service!
Jason Reeson
Jason Reeson
Jan 26, 2021
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Really awesome to have the office so close and accessible. Too bad they canned same day service, but it makes sense. Still have your cash in a day or two if you drop off your stuff in person. Thanks again for your awesome service.
Mark Miller
Mark Miller
Jan 19, 2021
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First time at this spot and it was typical atmosphere, decent food and good service. I haven't been to a sushi buffet in a little while but this place didn't do anything to really stand out from your run of the mill buffet. Orders came out quickly, only one error was made but nothing major and we enjoyed most of the food.
Jean Bourgelas
Jean Bourgelas
Aug 01, 2020
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Overall there okay to deal with. Way behind in the times. All documents are dealt with through mail. Making changes to benefits or pension very slow. They need to get on board with docu sign or email. I think the slow mailing process works in there favor so they don't really care. I sold my house with ReMax using docu sign, had legal documents, 3 offers back and forth and a closed deal in less than 24hrs. With Coughlin and there mailing method. I'm looking at a 3-6 month wait along with the delays Canada Post is having to get a pension payout. Not too impressed, but it what it is.
Jill Da Silva
Jill Da Silva
Jun 02, 2019
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The best and most efficient insurance company I've ever encountered! Also very kind and helpful. Like someone already stated, if you bring in your claim, you leave with a cheque! No fuss no excuses!
We're very happy with this company!