Disability insurance
Insurance that protects your income if you're unable to work due to a disability.
Call us to find the best coverage for you.
1-866-838-7661 Phone number of Desjardins Insurance. This link opens your phone app.
You can also schedule a call.
What is disability insurance?
Disability insurance replaces a portion of your income if you're unable to work due to an accident or illness. Whether you have a short- or long-term disability, you'll get a monthly amount (or "benefit") so you can pay your bills and focus on getting better.
Is disability insurance worth it?
Disability insurance covers you against an unexpected loss of income if you become disabled, whether you're an employee or self-employed.
Protect your income
So you can keep paying your bills.
Get a tax-free monthly payment
Based on your current income or debt payments.
Top up your existing disability benefits
From a government plan, group insurance plan or other.
Features
Personalized benefit amount
Between $400 and $10,000 per month depending on your income and job type.
Flexible benefit period
2 or 5 years for short-term disability, and up to age 65 or 70 for long-term disability depending on your policy.
Optional waiting period
Between 0 and 2 years depending on how long you choose to wait before receiving your first benefit payment.
Advantages of disability insurance
We have different coverage options to meet your needs.
Future insurability option
Increase your monthly benefit on your policy anniversary without having to do a medical exam.
Regular occupation period extender
Extend your benefits as long as you're unable to perform your regular job, even if you could perform another.
Partial disability
Get part of your benefit amount if you're able to work part-time or return to work gradually.
Return of premium
Get a partial refund of the premiums paid if you cancel your policy on an eligible date.
Loan insurance
This disability insurance option pays you a monthly amount based on your loan or other debt payments, rather than your income. Coverage isn't granted for a specific loan but for the total balance of all of your loans, for example if you have a mortgage, car loan and line of credit. Rent is also eligible if it's your principal residence.
Assistance services
If you're looking to get help with daily activities or support in difficult times, we're here for you.
Phone assistance
Call anytime for advice from a nurse on nutrition, vaccinations, the use of prescriptions drugs and other health matters.
Second medical opinion
Get a second opinion on a diagnosis from specialist physicians, who will review your medical record and history.
FAQ
A person is considered disabled if they're unable to perform their regular job or a replacement job due to an accident or illness. Heart attacks and mental health problems are among the most common causes of disability. A definition of disability is provided in your policy.
If you become disabled, you'll start receiving monthly benefit payments at the end of the waiting period specified in your contract.
Disability insurance costs vary depending on the following factors:
- Job
- Age
- Sex
- Health
- Tobacco use
- Benefit amount
- Benefit period
- Waiting period
Disability insurance benefits are not taxable as long as you paid all the premiums yourself.
Your monthly amount is the same whether your pay comes from one eligible job or several.
But if you become disabled, we reduce the amount based on other disability benefits you qualify for, whether from a group insurance, government or other private plan.
Get a disability insurance quote
By phone
Monday to Friday: 9 AM to 5 PM
1-866-838-7661 Phone number of Desjardins Insurance. This link opens your phone app.
We can also call you when it's convenient.