Disability insurance

During their working lives, workers have a one in two chance of being disabled for a period of five months or more¹. Even a minor accident can result in temporary disability due to tendonitis, bursitis, a bone fracture, back sprain, herniated disc, etc.

Disability insurance is an essential component of financial planning. Insure yourself, your partner and key company employees.

A financial security advisor² will help you select from the range of Vision contract coverages to build a customized insurance solution tailored to your current and future needs.

Vision contract disability insurance

Type of disability insurance	Eligibility age	Coverage amount	Waiting period	Maximum benefit period	Termination of coverage
Partner Death or Disability	18 to 55	Based on a needs analysis.	Insured must have been disabled at least 24 months	Lump sum benefit (for share buy-back)	Age 60
Disability – Income	18 to 60	Monthly benefit of $250 to $6,000 (based on revenues prior to disability)	Select one: 2, 4, 8 or 17 weeks.	Select one: period of 5 years or until age 65	Age 65
Disability – Monthly Expenses – Basic	18 to 60	Monthly benefit of $100 to $1,500 (amount set at the time of the contract)	4 weeks	12 months	Age 65
Disability – Monthly Expenses – Plus	18 to 60	Monthly benefit of $500 to $5,000 (based on company business expenses)	Select one: 4 or 17 weeks.	24 months	Age 65

To get disability insurance, please meet with a financial security advisor at a caisse or Desjardins Business Centre.

	By e-mail	Write us
	By phone	1-866-838-7661
	At the caisse	Make an appointment with a financial security advisor at a caisse.
	At a Desjardins Business Centre	Make an appointment with a financial security advisor at a Desjardins Business Centre.

The products described above are Desjardins Financial Security Life Assurance Company insurance coverages distributed by Desjardins Financial Security, Financial Services Firm. This document is provided for informational purposes only. Only the policy and the insurance application will be used to settle legal disputes. Certain exclusions and restrictions may apply.

1. “L'Assurance invalidité, talon d'Achille de la planification financière”, Les Affaires, March 2006.

2. Life and health insurance agent in Ontario. Financial security advisors are employees of Desjardins Financial Security, Financial Services Firm.