Benefits
Join Coopealianza and enjoy great benefits
Life policy
We support the Associate's family in the event of death.
Our members have a life insurance policy that allows their beneficiaries to have a financial contribution for funeral expenses in the event of the member's death.
To qualify for the benefits of the life insurance policy, you must meet the following requirements:
Requirements to apply for the benefit:
- Maintain a share capital balance equal to or greater than ¢500,000.00.
- Maintain up-to-date credit operations.
- The member must not be in a state of resignation.
- Be younger than 65 years.
Requirements to process the benefit:
- Original death certificate issued by the Civil Registry.
- If the death occurs outside of Costa Rica, provide a certified death certificate legalized by the corresponding consulate and translated into Spanish.
- Copy of the deceased's ID card.
- Original and copy of the beneficiary's ID.
- If the beneficiaries are minors: You must provide a birth certificate issued by the Civil Registry and a photocopy of the ID of the legal representative, or the person exercising parental authority over the minor.
- If there are several beneficiaries and one of them is deceased, the original death certificate from the Civil Registry must be provided.
- If there are no beneficiaries or they have died, the succession process must be executed.
Death of Family Members or Associates
We are with you to be able to economically solve this unexpected moment.
This benefit applies in the event of the death of a member's family member (father, mother, spouse, and children), even if they are not members of the cooperative. Additionally, it applies to those members who, due to certain requirements, cannot opt for the life insurance policy.
Requirements to apply for the benefit:
- Maintain up-to-date credit operations.
- The member must not be in a state of resignation.
Requirements to process the benefit:
- Death declaration issued by the Costa Rican Social Security Fund (CCSS), or death certificate issued by the Civil Registry.
- Copy of the deceased's ID card.
- Original and copy of the beneficiary's ID.
- Original birth certificate or marriage certificate – in the case of the spouse – issued by the Civil Registry or other document verifying the relationship.
Underage student policy
We provide health coverage while they study.
Associates under-age students have an insurance policy that covers medical expenses due to accidents, financial aid for the associate's death or total and permanent disability.
Requirements to apply for the benefit:
- Be a student enrolled in a public or private educational center, between the ages of 2 and 17.
- Maintain a share capital greater than or equal to ₵50.000 (exactly fifty thousand colones).
- The compensation will be delivered to the parent, representative or guardian of the minor registered in the policy application (the one who is registered when the policy is formalized).
- The policy expires every year (due to its nature it is time-limited), so the parent, guardian or representative of the minor must manage it when required.
How to access the benefit?
When the event occurs, you must go to the National Insurance Institute (INS) office or call 2785-3000.
Labor Discontinuity
Solidarity with our associates in case of layoffs.
Applies for associates who maintain credit operations and who have been dismissed in condition of incapacity for work and with decreased income. The aid will be up to 30% of the accumulated amount of Social Capital in your name, or the amount that corresponds to the monthly credit installments, whichever is lower, with a maximum cap of up to ₵ 500.000 per month and for up to 5 months. in one year, and may again resort to the use of any of these benefits after 36 months.
These resources apply to: amortization, current interest, and late payments, debit balance policies.
If you have Share Capital, complementary products and savings added to the credit installment, they must be assumed by the Associate, which are not requirements for them to receive the aid, when an Associate uses this benefit, no charges will be applied for late payment.
Requirements for public and private employees, independent workers and liberal professionals:
- Be reported on the payroll to the CCSS by your employer, and for independent workers and liberal professionals who contribute to the CCSS.
- In the case of disabilities, it applies to disabilities of 20 or more calendar days in a maximum period of two calendar months.
- The maximum period to submit the application for this benefit is 6 months after the date of termination of employment, start of disability or decrease in income.
- Not maintaining credit operations in a state of delinquency greater than 60 days, at the time of presenting the benefit request or at the previous monthly closing, the scenario that is most convenient for the Associate.
- Not maintain credit operations in a state of uncollectible and in judicial collection.
- The associate must not be in a state of resignation.
Requirements to process this benefit:
- Request for help, with the associate's personal data and verification that it meets the established requirements.
- In case of dismissal or its equivalent.
- Study of salaries reported to the CCSS dated the current month.
- In case of disability: disability slip issued by the CCSS or INS where the period of disability is indicated.
- Non-salaried associates: they may provide income reports for the last year and a half, the decrease in income must be greater than 40% in the last semester, in relation to previous periods, to apply the benefit.
Minor aid
We grow with the community and support its development.
Coopealianza provides support to communities through collaborations for the development of communal activities and social welfare.
Contributions are provided directly to organized groups such as: development associations, cantonal committees, cultural associations, public institutions and organizations that work for vulnerable communities, among others.
Requirements to process the benefit:
- Request the benefit through a note, signed by one or more partners with share capital equal to or greater than 250.000 colones.
- Send the note to the email service@coopealianza.fi.cr