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Select Disability Income

  • Monthly benefit: A benefit paid each month to make up for lost income if you become disabled due to an accident or illness. Varies from $2,500 to $10,000.
  • Many unique advantages: Many options available and preferred access to medical and legal experts.

Features

Eligibility

Ages 18 to 60

Monthly benefit period

3 possible choices:

  • For 2 years
  • For 5 years
  • To age 65

End of coverage

  • Age 65
  • Possibility of extending to age 70

Monthly benefit amount

  • From $2,500 to $10,000

A financial security advisor1 will help you choose the amount that's right for you based on your income and your needs

Benefit paid in the event of total disability

Waiting period before first benefit payment

8 possible choices:
14, 30, 30+, 60, 90, 90+, 120 or 730 days

For waiting periods of less than 120 days, the monthly benefit is paid starting on the first day in the event of hospitalization or day surgery

The + sign means that the monthly benefit is paid starting on the first day in the event of an accident

Cost

2 payment choices:

  • Premium adjusted every 10 years (based on your attained age)
  • Level premium to age 65

Varies based on the benefit amount, options selected and your personal situation (age, sex, smoking habits, job category, home province, etc.)


First $1,200 of benefit guaranteed

  • First $1,200 of your monthly benefit not reduced by the amount of any other benefits you may receive from the government or other insurance companies
  • Applies during the first 36 months of benefit payments

Additional amounts in case of disability (over and above your monthly benefit)

  • An extra 5% of your monthly benefit will be deposited into either a registered or non-registered retirement savings plan
  • As of the 13th month of benefit payments

Additional amount in case of critical illness (over and above your monthly benefit)

A lump-sum payment equal to 5 times your monthly benefit (25 covered illnesses/conditions)

Additional amount in case of death

  • In the event of death during the disability period
  • A lump-sum payment equal to 5 times your monthly benefit will be paid to the beneficiary of your choice

Reimbursement of rehabilitation costs

While disabled, you'll be reimbursed for the costs of any rehabilitation services you need that help you get back to work sooner

Income enhancement for self-employed workers

  • If you are self-employed, you have the option to enhance your annual income by 20% when you take out the contract
  • Possibility of obtaining a higher benefit amount

Special rates for professionals

  • More advantageous job category than what you would normally get
  • Applies to many professions

Advantages for recognized agricultural producers

  • Special rates
  • Possibility of transferring certain amortization expenses to insurable income to obtain a higher benefit amount

The definition of "recognized agricultural producer" is based on a minimum amount of agricultural income

Return of premiums

Possibility of getting back some of your money if you terminate your policy

Cost of living

Increase in monthly benefit based on Consumer Price Index (CPI)

Partial disability

Payment of a monthly benefit during partial disability or gradual return-to-work

Residual disability

Payment of a partial monthly benefit if you don't recover fully

Future insurability

Possibility of increasing your monthly benefit amount based on your future needs without having to submit new proof of good health

Regular occupation period extender

Continuation of payment of your monthly benefit after 24 months of benefit payments, even if you can perform another occupation

Valuable bonus!

With SELECT, you can take advantage of free assistance services that provide you with preferred access to medical experts.

Advance Medical

  • Reputable medical expert opinion program
  • Available at no cost as soon as your doctor thinks you may be suffering from a critical illness
  • Support and case management for a second medical opinion

This coverage is a product of Desjardins Insurance. In Ontario, it's distributed through life and health insurance representatives employed by Desjardins Insurance, and in Quebec, it's distributed through financial security advisors employed by Desjardins Financial Security, Financial Services Firm. Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.

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

1. In Ontario, this refers to a life and health insurance representative employed by Desjardins Insurance. In Quebec, this refers to a financial security advisor employed by Desjardins Financial Security, Financial Services Firm and assigned to a Desjardins caisse.

Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.

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