Desjardins Disability Insurance Review 2025
Disability insurance in Canada is a vital safety net, designed to provide financial support if you're unable to work due to illness or injury. It ensures stability in times of uncertainty, safeguarding your income and lifestyle.
Desjardins, with its reputation as one of Canada's top insurance providers, stands out for its comprehensive coverage options and flexible plans, making it a compelling choice for your disability insurance needs. But is Desjardins disability insurance right for you?
In our review, we tell you everything you must know about Desjardins disability insurance: coverage options, pros, cons, and more. Also use our free comparator to explore other disability insurance plans in the market, compare their coverage, and get free quotes.
Desjardins disability insurance: 5 Key takeaways
- Renowned Canadian insurance provider.
- Up to $10,000 monthly disability benefits.
- Includes critical illness benefits.
- Options for partial disability coverage.
- Coverage extends up to age 69 for accidents.
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Our Desjardins Disability Insurance Review for 2025
If you're looking for a reliable, customizable disability insurance plan, Desjardins Disability Insurance is worth considering. With benefit amounts ranging from $400 to $10,000 per month, it caters to both individuals with modest incomes and high-income professionals.
The flexible benefit periods—ranging from 2 or 5 years for short-term disability to age 65 or 70 for long-term disability—are a strong point, giving you the option to choose coverage that aligns with your financial goals. The optional waiting period of 0 to 2 years adds another layer of flexibility.
Desjardins shines in several areas compared to other insurers. For instance, it offers higher maximum benefits than Sun Life and Manulife, and its partial benefits of 50% for those who can work part-time are a rare feature that few competitors provide.
The critical illness benefit bundled with the Solo Disability Income plan and coverage for accidents up to age 69 and illnesses up to age 64 set it apart from providers like RBC Insurance or Canada Life, which often have more restrictive terms.
That said, Desjardins isn't perfect. The need to purchase through an advisor may deter those who prefer a direct, online application process, and the minimum hours worked requirement is higher than some competitors. Additionally, it doesn't include catastrophic disability coverage, which is a drawback for those seeking comprehensive protection.
Expert advice
Desjardins Disability Insurance is best for individuals seeking flexible, high-coverage disability insurance from a trusted provider with a strong reputation in Canada. Its extensive features, like partial benefits and long-term coverage, make it a standout choice for professionals and those with substantial financial responsibilities. However, if you prioritize online accessibility or need coverage for catastrophic disabilities, exploring competitors like Manulife or Canada Life Disability Insurance might be a better fit.
You must compare Desjardins with other providers before zeroing in. You can use our free comparator below to compare the best disability insurance plans in Canada and get personalized quotes in no time.
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Pros of Desjardins disability insurance
- Reputation as one of Canada's top insurance companies.
- Up to $10,000 monthly disability benefit (Solo Disability Income).
- Includes Critical illness benefit (Solo Disability Income).
- Coverage up to 69 years for accidents and 64 years for illness, higher than most competitors (Solo Essential Disability Income).
- Receive a 50% partial benefit if able to work part-time.
- Own occupation coverage available.
- Return of premiums (up to 50%).
- Extend coverage if you work past 65 years old.
Cons of Desjardins life insurance
- Purchase requires speaking to an advisor
- Minimum hours worked is higher than some competitors
- Catastrophic disability coverage not included
Who offers Desjardins disability insurance?
Desjardins Insurance is a subsidiary of Desjardins Group, a Canadian financial service and credit union giant. While it is most present in Ontario and its home province of Quebec, its services are widely available throughout Canada.
Desjardins Insurance is one of Canada’s best-known life and health insurance brands. They offer a wide range of other insurance products, like disability insurance, which we will take a look at below. After acquiring State Farm insurance, it is also one of the country's largest property insurers. Certas Direct Insurance Company underwrites all Desjardins Insurance policies.
Why sign up for Desjardins disability insurance?
- Financial Security: Desjardins disability insurance provides a monthly income, helping you maintain your financial stability if you're unable to work due to illness or injury.
- Comprehensive Coverage: With options for up to $10,000 monthly benefits and inclusion of critical illness benefits, Desjardins offers robust protection.
- Flexibility for Partial Disability: Desjardins offers the option to receive a partial benefit if you can work part-time, ensuring continued support in varied circumstances.
- Long-Term Protection: Coverage extends up to age 69 for accidents, providing long-term security that surpasses many competitors.
- Reputation and Reliability: As one of Canada's top insurance providers, Desjardins is known for its strong customer focus and reliable service, ensuring peace of mind with your insurance choice.
Good to know
Disability insurance is offered in two formats: Short-term and long-term. Read our extensive guides to know everything about short-term disability insurance and long-term disability insurance coverage in Canada. Get personal quotes in no time using our free comparator.
What disability insurance plans does Desjardins offer?
Desjardins Insurance offers two types of disability insurance plans: Solo Disability Income and Solo Essential Disability Income.
- Solo Disability Income - This provides up to a $ 10,000 monthly disability benefit (Occupational Class 4A). It's a good option for self-employed people, business owners, and others who may not get a disability insurance benefit through an employer.
- Solo Essential Disability Income - This plan provides a monthly disability benefit of a minimum of $500 up to $6000 (Occupational Classes 1 and 2). Accident coverage is available with just 3 pre-qualifying exams and no exam. Many people who do not usually qualify for disability insurance may be eligible for this plan.
For more on Desjardins's disability insurance see the pdf below.
Good to know
It is essential to compare disability insurance providers before zeroing in on a plan. Use our free comparator to explore plans from popular providers like BMO disability insurance, RBC disability insurance, and more.
How do I apply for Desjardins insurance?
Apply for disability insurance from Desjardins by speaking with one of their advisors at 1-844-838-7661 or by requesting an appointment on their website. You may compare other best disability insurance offers on HelloSafe's website to be put in contact with a disability insurance expert. Click on the button below and get instant and free personalized quotes in no time.
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How much does Desjardins disability insurance cost?
The cost of Desjardins disability insurance varies widely and is influenced by several factors:
- Age: Younger applicants typically face lower premiums compared to older individuals.
- Health: Your overall health and medical history can impact the cost.
- Occupation: The nature of your job and associated risks play a role in determining premiums.
- Coverage Amount: The higher the monthly disability benefit you desire, the higher the premium.
- Waiting Period: The length of time before benefits begin after a disability can affect the cost; shorter waiting periods generally lead to higher premiums.
For general information, the table below summarizes the average price of disability insurance with a 90-day waiting period for various ages and coverage amounts. This is meant solely to provide a rough indication before speaking with an advisor and your pricing will vary.
| Age of policyholder | Monthly benefit desired | Approximate monthly price |
|---|---|---|
| 20 | $2000 | $19 |
| 20 | $4000 | $39 |
| 30 | $2000 | $24 |
| 30 | $4000 | $48 |
| 40 | $2000 | $50 |
| 40 | $4000 | $102 |
| 50 | $2000 | $62 |
| 50 | $4000 | $126 |
We recommend getting individual quotes and comparing multiple providers before deciding if Desjardins is the right choice. Use our free comparator tool below and get quick and free quotes from Canada's best companies.
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How do I contact Desjardins insurance?
To contact Desjardins Insurance for disability insurance coverage, you have several convenient options:
- Phone Contact: You can call Desjardins Insurance directly at 1-866-838-7661 for a disability insurance quote. This service is available Monday to Friday, from 9 AM to 5 PM.
- Scheduling a Call: If you prefer, Desjardins offers the option to schedule a call at a time that's convenient for you. This can be arranged through their "Schedule a Call" service.
How to file a Desjardins disability insurance claim?
If you are unable to work due to an accident or illness, Desjardins Insurance offers a straightforward process to file a disability insurance claim. Follow the steps below to ensure your claim is handled efficiently.
Desjardins Disability Claims Contact
| Contact Method | Details |
|---|---|
| Phone | 1-888-558-5525 (Monday to Friday: 8 AM to 7 PM) |
| Submission Options | Submit documents through the secure site or by mail (address provided on the form). |
Steps to File Your Claim
- Check Your Eligibility
- Review your policy to ensure your condition meets the definition of disability.
- Confirm the waiting period specified in your policy has passed.
- Gather Required Information
- Call 1-888-558-5525 to find out what documents are necessary.
- Obtain and complete the Disability Claim Form.
- Request your doctor to fill out the Physician’s Statement and gather any additional required documents.
- Note: You are responsible for any fees your doctor charges for completing the medical statement.
- Submit Documentation
- Send completed forms and supporting documents via the secure submission site or by mail to the address indicated on the form.
- Claim Analysis
- Desjardins will review your submitted documents and analyze your claim.
- You will be contacted with the results and provided details on the payment method if your claim is approved.
- Receive Payment
- If approved, you will receive your benefits after the waiting period mentioned in your policy.
You can download a free Desjardins disability insurance claim form here.
