Disability insurance

So you can focus on getting better

  • Maintain your lifestyle even if you can't work because of an illness or accident
  • Get this coverage if you're self-employed or don't have group insurance
Get this product - So you can focus on getting better.

Why choose Desjardins?

Extended coverage

Do you plan on working after age 65? You can extend your coverage beyond that age without having to provide proof of good health


Convert your coverage as your needs change without having to provide proof of good health

How does it work?

  • Choose the monthly benefit payment based on:
    • A percentage of your current salary OR
    • Your loan amounts
  • If you become disabled, you’ll receive a monthly tax-free benefit for the payment duration
  • During that period, we’ll waive your premiums
  • Coverage isn’t granted for a specific loan but for the total balance of all of your loans

Payment duration

For 2 or 5 years, or up to age 65.

No waiting period!

In the event of hospitalization or day surgery, you’ll start receiving benefit payments on the first day if you chose a waiting period of 90 days or less.

Additional coverage

  • Partial disability: Get 50% of your monthly benefit if you work part-time after an accident or illness or return to work gradually
  • Cost of living: If you’re totally disabled for more than 12 consecutive months, your monthly benefit payment will be indexed to inflation
  • Return of premiums: Get up to half of the cost of your paid premiums back if you cancel your policy
  • Own occupation extension: Keep receiving benefits beyond the 24-month total disability period set out in your basic coverage if you’re unable to perform the usual duties of your job, even if you could hold down another job

You and your loved ones always have access to our complimentary assistance services, whether you’re looking for general information or need help getting through a difficult time:

  • 24/7 phone assistance services where you can get advice from a nursing professional on various health matters, including nutrition, vaccination, childcare, medication and the use of natural products
  • Phone assistance before you travel and during your trip in case of emergency
  • A second medical opinion from a world-renowned doctor, who will study your file and medical history to come up with a tailored treatment plan

Did you know?

Do you have a high-risk job? Are you self-employed? Do you have a pre-existing medical condition? If so, you could be covered in the event of an accident without having to provide proof of good health!

Client services

For information about your contract or to change your address

1-888-558-5525 This link will launch your default phone software.

File a claim External link.

Get an insurance coverage

Our financial security advisors are here to help. Let’s discuss your needs and find the coverage that’s right for you.

Fill out the form External link. Opens in a new window.

You can also reach an advisor by calling 1-866-838-7661 This link will launch your default phone software.
Monday- toFriday, 9 a.m. to 5 p.m. (ET)

This coverage is a product of Desjardins Insurance distributed in Quebec through financial security advisors employed by Desjardins Financial Security, Financial Services Firm. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.