Long-term care insurance (loss of independence)

With long-term care insurance, you don't have to worry about becoming a burden on your loved ones if you lose your independence because of an accident or an illness like Alzheimer's disease.

It's the right choice for you if you want:

• access to the best healthcare available
• to be able to afford to hire people to help you

Features

• Pays a tax-free monthly benefit if you lose your independence due to physical or mental limitations resulting from an accident or illness.
• You can use the benefit however you want, without having to submit invoices.
• It can be combined with other coverages, such as:
  • term life insurance
  • permanent life insurance
  • universal life insurance
  • disability insurance
  • critical illness insurance
  • healthcare insurance

Product

Vision Independent Lifestyle Solution	Pays a monthly benefit if you lose your independence and offers accident coverage. It also covers the costs of an enduring power of attorney (called a mandate in case of incapacity in Quebec). Get 10% off if you and your spouse both take out insurance at the same time.

Did you know?

Thanks to advances in medicine, people are living longer than ever. According to Statistics Canada, life expectancy at birth is age 83 for women and 78 for men¹, with an increased chance of losing your independence as you get older:

Age	Dependent seniors2
65 to 74	1 out of 3
85 and over	4 out of 5

If one day you need help with simple, everyday activities, where will you turn? 90% of the time, the people who end up providing care are spouses, children, or other family members³.

	By e-mail	Fill out the form
	By phone	1-866-838-7661
	At the caisse	Make an appointment with a financial security advisor4 at a caisse.

This coverage is a product of Desjardins Financial Security Life Assurance Company. In Ontario, it’s distributed through Desjardins Financial Security Life Assurance Company, and in Quebec through Desjardins Financial Security, Financial Services Firm.

This webpage is for information purposes only. Only the policy and insurance application will be used to settle legal disputes. Some exclusions and restrictions apply.

1. Source: "Perspectives démographiques, Québec et regions" [Demographic perspectives of the province of Quebec], Institut de la statistique du Québec 2001.
2. Source: Quebec’s Ministère des Finances, February 2005.
3. Source: "The sandwich generation", Canadian Social Trends Summer 2005, no. 77.
4. Life and health insurance agent in Ontario. In Quebec, it refers to a financial security advisor employed by Desjardins Financial Security, Financial Services Firm and assigned to a Desjardins caisse.