Submit a Claim

When an employee becomes disabled, and based on their available sick days will qualify to receive a Short Term Disability benefit, the claim should be submitted as soon as possible. The claim forms are the same as required for Long Term Disability, as found in the  “Forms Library”.

To apply for long term disability benefits, please complete the Disability Claim – Employee Statement form and have your Physician complete the Disability Claim – Physician’s Statement and send directly to the carrier.

The Benefits Administrator will complete the Employer’s Statement and forward to the insurer. Application should be made approximately 45-60 days after the first day of disability to ensure all of the required information is provided on a timely basis.

Disability claim forms should be completed even if benefits are payable by another source (i.e. Worksafe or ICBC). Insurance companies have time limitations for submitting disability claims. If you should lose your Worksafe BC or ICBC benefits in the future, you will not be eligible to re-apply for long-term disability unless you filed your claim with Desjardins within the specified deadline. For more information about LTD claims and the process, please read the Disability Management Guide and Disability Management FAQs documents.

Notice and proof of any claim must be received by the Insurer within the time limit, if any, specified for each Benefit. However, if the policy terminates, no payment will be made unless the notice and proof of a claim is submitted to the Insurer within 120 days of the date of termination of the policy.

Failure to submit notice or proof of claim within the prescribed time limit does not invalidate the claim, provided that the notice and proof of the claim are sent as soon as reasonably possible. However, no payment will be made if the notice and proof of claim are sent more than 12 months after the expenses were incurred.

Every action or proceeding against the Insurer for the recovery of insurance money payable under the policy is absolutely barred unless commenced within the time set out in the insurance ad or other legislation of the province of residence of the Participant.

With regard to life insurance only and subject to legal provisions, a Participant may designate or revoke, at any time, one or several beneficiaries of the insurance on written notice. The rights of a beneficiary who dies before the Participant revert to the latter.

The Insurer assumes no responsibility with respect to the validity of any beneficiary designation or revocation.

The death benefit payable when a Dependent dies is paid to the Participant, if alive. If the Participant is deceased, the death benefit is paid as follows:

1. in the event of the Spouse’s death: to the Spouse’s legal heirs;
2. in the event of the death of the Participant’s Dependent Child:

• • to the Spouse, if alive, or
  • if the Spouse is deceased, to the legal heirs of the Dependent Child.

From time to time, the Insurer will be entitled to have a claimant examined by a Physician or Physicians of its choice.