Desjardins Long-Term Disability in Canada: 2025 Guide to Benefits, Denials & Legal Help

Dealing with a long-term disability claim through Desjardins can be stressful and confusing. The paperwork, delays, and unclear rules often leave people feeling overwhelmed — especially when benefits are denied or cut off after 2 years.

This easy-to-follow guide explains how to:

• Apply for Desjardins LTD benefits
• Understand your monthly payments and offsets
• Navigate the 2-year change of definition
• Appeal a denied or terminated claim
• Get help from an experienced disability lawyer if needed

If you’re covered under Desjardins group benefits or an individual policy, this guide will help you secure the financial support you’re entitled to from Desjardins.

Complete Guide to Desjardins Long-Term Disability Claims

What This Guide Covers

About Desjardins and Long-Term Disability Insurance

Desjardins is one of Canada’s largest financial institutions, offering a wide range of services and products, including:

• ✔️ Long-term Disability Insurance
• ✔️ Short-term Disability Insurance
• ✔️ Life Insurance
• ✔️ Critical Illness Insurance
• ✔️ Mortgage Insurance

Desjardins serves over 7.8 million members and clients across Canada, and employs approximately 55,000 people.

Desjardins Long-Term Disability Benefits

Desjardins LTD benefits provide income replacement if you can’t work due to illness or injury. They help cover essential expenses while you recover.

There are two types of Desjardins LTD coverage:

• Group Insurance Plans: Offered by employers through workplace benefits. The terms are outlined in your group benefits booklet or certificate. Review this document carefully to understand your coverage.
• Individual Insurance Plans: Purchased privately, often by business owners, professionals, or executives. These plans offer customizable coverage and often higher benefit limits.

Desjardins LTD benefits typically begin after Desjardins short-term disability or other support, like Employment Insurance (EI), runs out.

• LEARN MORE: Transitioning from Short-Term to Long-Term Disability

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How to Apply for Desjardins Long-Term Disability (LTD) Benefits

Applying for Desjardins long-term disability (LTD) benefits is a critical step if you’re unable to work due to illness or injury. Desjardins’s claims process requires specific documentation to demonstrate your medical condition and inability to perform your job. Whether you are covered under a Desjardins group benefits plan or an individual policy, understanding the process is essential to avoid delays or denials. Learn how to obtain your LTD policy here.

Step-by-Step Guide to Applying for Desjardins LTD Benefits

Step 1: Gather the Required Forms

You will need to obtain several forms before submitting your LTD claim. These include:

• Employer Statement: This form is completed by your plan administrator (typically your employer). It outlines the details of your employment and benefits coverage.
• Employee Statement: You must complete this form yourself. It provides information about your health, job responsibilities, and how your condition prevents you from working.
• Initial Attending Physician’s Statement: Your doctor will need to complete this form, which details your diagnosis, treatment, and how your medical condition affects your ability to work.

Step 2: Submit Your Claim

Once your forms are completed, you can submit them through Desjardins’s group benefits login portal or by mailing the physical documents. While Desjardins allows both methods, submitting online is faster and allows you to track the progress of your claim.

Step 3: The Waiting Period (Elimination Period)

After submitting your LTD claim, you will typically have to wait through an elimination period (also referred to as the qualifying period), which can last between 90 to 180 days depending on your policy. During this time, you may continue to receive STD benefits, or other forms of financial assistance, until your LTD benefits kick in.

Step 4: Approval or Denial of Your Claim

Desjardins usually takes 5 to 20 days to process LTD claims, but it could take longer depending on the complexity of the case or if additional documentation is required. You will be notified by Desjardins if your claim is approved, or if it has been denied, the reasons for denial will be provided in writing.

During this process, you may encounter challenges dealing with adjusters who handle your claim. It’s important to understand how to communicate effectively and handle any difficulties that arise. Learn more about how to manage difficult adjusters here.

Step 5: What to Do If Your Claim Is Denied

If your LTD claim is denied, don’t lose hope. You have options to appeal the decision, which will be discussed in detail in the Desjardins Appeal Process section of this guide. You may need to submit additional medical evidence or clarify certain aspects of your condition to strengthen your case.

You can also get a FREE consultation with a disability lawyer at Samfiru Tumarkin LLP to understand your options.

Additionally, being on LTD can sometimes raise employment-related concerns, such as how your employer handles your position or benefits during your disability. Find out how employment issues interact with long-term disability claims.

Tips for a Successful LTD Application

• Ensure Complete Medical Documentation: Incomplete or vague medical records are one of the main reasons LTD claims get denied. Make sure your doctor provides detailed documentation that clearly shows why you are unable to work.
• Submit Forms Promptly: Delays in submitting required forms can prolong the approval process. Submit your documents as soon as they are completed to avoid unnecessary waiting periods.
• Track Your Claim: If you submit your claim online through the Desjardins group benefits portal, you can monitor the status of your application and respond quickly to any requests for additional information.

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Desjardins LTD Payment Overview

If your Desjardins long-term disability payment is approved, you’ll begin receiving monthly LTD payments that replace a portion of your income. These benefits are designed to help cover essential expenses like rent or mortgage payments, food, and medical costs while you’re unable to work due to illness or injury. Learn more in our complete guide to long-term disability claims.

How Much Will You Receive?

Desjardins typically pays between 60% to 80% of your pre-disability gross income. The exact amount depends on:

• Your policy terms (group or individual)
• Any applicable monthly benefit cap
• Whether your payments are taxable or tax-free

Other Income That Can Affect Your LTD Payment

Desjardins may reduce your monthly LTD benefits if you receive income from other sources. These “offsets” can include:

• CPP disability payments
• Severance packages
• Employer-paid sick leave or wage-loss replacement benefits

It’s important to review your policy and speak with your case manager to understand how offsets may impact your monthly benefit amount.

Desjardins Long-Term Disability Payment Dates

Desjardins long-term disability payments are typically issued twice a month through TELUS Health, which processes payments on behalf of Desjardins Insurance.

• Payments are made on the night of the 15th and the last night of each month.
• Statements are released the next day—on the 16th and the 1st of the following month.
• Each payment covers claims processed during the 15-day period leading up to the payment date.

You can receive LTD payments by direct deposit or cheque, depending on your setup. Always check your TELUS Health account for statements and payment updates.

What If Your LTD Payment Is Late?

Occasionally, you may experience a delay in your LTD payments. Common reasons include:

• Missing or incomplete medical documentation
• A pending policy reassessment (especially around the two-year mark)
• Administrative or banking errors

If your payment is delayed, contact your Desjardins disability case manager and check your online account for updates.

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Checking Your Desjardins Disability Claim Status

Keeping track of your Desjardins long-term disability (LTD) claim status is essential to avoid unnecessary delays and ensure your monthly LTD benefits continue without interruption. Whether you’re waiting for an approval or managing ongoing payments, there are a few easy ways to monitor your claim.

1. Use the Desjardins Group Benefits Portal

The fastest and most convenient way to check your Desjardins LTD claim status is through the secure Desjardins Group Benefits login. This online portal lets you:

• Track the progress of your disability claim
• Review any correspondence or requests from Desjardins
• Confirm that your LTD payment schedule remains on track

How to Access the Desjardins Portal

1. Log in or register: Go to the Group Benefits login page. You’ll need your plan number and member ID, typically provided by your employer or plan documents.

2. Check claim updates: After logging in, visit the “Claims” section to check the current status of your LTD application — whether it’s under review, approved, or awaiting documentation.

3. View claim correspondence: The portal also includes communication from your case manager, such as payment updates or medical document requests.

2. Contact Your Desjardins Disability Case Manager

If you prefer to speak with someone directly, contact your Desjardins disability case manager. They oversee your file and can give you real-time updates on your claim.

How to Contact Your Case Manager

1. Phone: Your case manager’s phone number should appear in previous emails or mail from Desjardins. Keep it handy for direct communication.

2. Email: For a written record, email your case manager directly. Desjardins includes their contact info in their messages about your claim.

If you’re unable to check your claim online or haven’t heard from your case manager, here are next steps:

• Check your mail or email: Desjardins usually sends updates by mail or email. Make sure they have your current contact info.
• Contact customer service: Visit the Desjardins contact page to reach their general benefits support line for help with claim access or status updates.

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What Happens After 2 Years of Desjardins LTD?

Desjardins long-term disability claims are often terminated after two years due to a change in the definition of “disability” in most LTD insurance policies.

This is often where insurers apply the most pressure — hoping you’ll give up. But you still have rights, and you may still qualify for continued benefits if your medical condition prevents you from maintaining gainful employment in any suitable role.

If your claim is denied or cut off at this point, don’t panic — this is one of the most common scenarios our disability lawyers handle. You may be entitled to a reinstatement of benefits or a full compensation payout.

SEE MORE:
• Return to Work and LTD FAQ
• 5 LTD Terms You Should Know
• Top Disability Insurers in Canada

Desjardins’s Reassessment Process

As the two-year mark approaches, Desjardins will reassess your LTD eligibility using various tools:

• Updated medical records: They may request new medical reports to see if you’ve improved.
• Vocational rehabilitation: Programs aimed at helping you retrain or return to work.
• Surveillance or investigations: Desjardins may monitor your activities to challenge your claim.
• Independent Medical Examination (IME): These assessments are often used to dispute claims. Know your rights about IMEs here, or book a FREE consultation if you’ve been asked to attend one.

What to Expect If Desjardins Cuts Off Your Benefits

Many legitimate LTD claims are cut off at the two-year mark due to the tougher “any occupation” test. You may be denied even if your medical condition hasn’t changed.

Common Reasons for LTD Denial After 2 Years

• You’re deemed able to work in a different job, even if it’s unrealistic or unsuitable.
• Insufficient medical documentation supporting total disability.
• Surveillance footage or vocational reports that suggest you can work.
• Refusing or failing to participate in vocational rehab or return-to-work programs.

What to Do If Your Benefits Are Terminated

If Desjardins ends your LTD benefits after two years, you don’t have to accept the decision. You can take action to challenge it. The appeal process is covered in the next section, but here’s what you can do right away:

• Get updated medical support from your doctor to reinforce your case.
• Speak to a disability lawyer for a FREE consultation and personalized advice.

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How to Appeal a Denied Desjardins Long-Term Disability Claim

If Desjardins denies your long-term disability (LTD) claim or cuts off your benefits, it’s important to understand that you have the right to appeal their decision. The process can feel overwhelming, but with the right approach — and legal guidance — you can improve your chances of getting your benefits reinstated.

Why Was Your LTD Claim Denied?

Before starting the appeal process, it’s crucial to understand why your claim was denied or cut off. Common reasons include:

• Insufficient Medical Evidence: Desjardins may say your documentation doesn’t prove that you are “totally disabled.” Here’s how health reports impact LTD claims.
• Change of Definition After 2 Years: If Desjardins believes you can perform any occupation (not just your own), they may stop your benefits.
• Surveillance or Investigations: If Desjardins thinks you’re able to work based on surveillance or reports, they may deny your claim.
• Failure to Comply: You may be cut off for missing rehab programs or not following recommended medical treatment.
• Pre-existing Conditions: Some policies exclude claims linked to a condition that existed before coverage started. Understand how this affects your LTD claim.
• Policy Age Limits: Most LTD policies stop paying benefits after age 65, even if you’re still disabled.

Step 1: Internal Appeal Process

Your first option is to file an internal appeal with Desjardins. This means asking the insurer to review your file again. While this sounds promising, success rates are low because you’re asking the same company to change its own decision.

Key steps in an internal appeal:

• Request Your Claim File: Ask Desjardins for a full copy of your claim file — including medical assessments, notes, and reasons for denial.
• Submit Additional Evidence: Work with your doctor to provide stronger documentation showing why you cannot work.
• Correct Errors: Clarify anything Desjardins may have misunderstood or overlooked during their review.

Step 2: Legal Claim Against Desjardins

In many cases, it’s more effective to file a legal claim instead of pursuing multiple internal appeals. This is especially true if your LTD claim was cut off after the 2-year mark.

1. Hire a Disability Lawyer

Work with a disability lawyer at Samfiru Tumarkin LLP who understands Desjardins LTD claims. We’ll handle all communication, build your case, and guide you every step of the way.

2. Desjardins’s Response

Once we file a claim, Desjardins must respond. They may assign a new claims manager — or even reverse their decision, like they did for our client Sandra Bullock.

3. Negotiations and Resolution

Most cases settle without going to court. You may receive your benefits through a negotiated agreement. If needed, we’re prepared to take your case to trial.

How to Strengthen Your Appeal or Lawsuit

• Medical Reports: Get detailed letters from your doctor outlining your condition, symptoms, and why you cannot work.
• Vocational Assessments: Show why you can’t perform any job — not just your previous one.
• Experienced Legal Support: The LTD process is stacked in favour of the insurance company. Let our team help you level the playing field.

What Not to Do During the Appeal Process

• Do Not Wait Too Long: There’s a strict 2-year time limit to file a legal claim.
• Do Not Rely Only on Internal Appeals: Desjardins often denies appeals. Speak with a disability lawyer before making your next move.

If your Desjardins long-term disability claim has been denied or cut off, take action now. The right legal guidance can get your benefits back — and fast.

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Desjardins LTD Denial: Legal Alternatives

If your Desjardins long-term disability (LTD) claim has been denied or your benefits have been cut off, you still have strong legal options. In fact, pursuing legal action is often the most effective way to recover the compensation you’re owed.

While an internal appeal may seem like the easiest route, it rarely succeeds. A legal claim gives you real leverage and often results in better compensation.

Why Consider Legal Action?

Many people find that Desjardins repeatedly denies their internal appeals, even when strong medical evidence is provided. That’s because you’re asking the same insurer that denied your claim to change its mind.

Filing a legal claim means your case is handled outside the insurance company — and that changes everything.

Key Reasons to File a Legal Claim:

• Impartial Review: Your case is reviewed fairly by an outside legal system, not Desjardins’s internal staff.
• Increased Pressure: When Samfiru Tumarkin LLP gets involved, insurers know they’re facing proven legal experts.
• Better Outcomes: A legal claim often leads to reinstated benefits or a lump-sum settlement that exceeds what internal appeals offer.

How the Legal Process Works

Filing a legal claim can feel intimidating, but our team handles everything. Here’s what to expect:

1. Speak to a Disability Lawyer

Your first step is to talk with a lawyer at Samfiru Tumarkin LLP. We’ll review your denial, explain your rights, and build a strong case. This consultation is free, and you’re under no obligation.

2. File a Statement of Claim

If we take on your case, we’ll draft a Statement of Claim that outlines why Desjardins’s decision is wrong. This document officially starts the legal process.

3. Desjardins Responds

Desjardins will review the claim, often assigning new people to your file. In some cases, they reverse their decision or offer a settlement shortly after legal action begins.

4. Discovery and Evidence

If your case continues, both sides exchange evidence. This is your chance to share updated medical reports and clarify why you cannot work. It’s also when we expose any weak points in Desjardins’s denial.

5. Settlement Negotiation

Most claims settle out of court. We’ll negotiate on your behalf to secure the best possible outcome — whether that’s reinstated benefits or a one-time payment to close the case.

What to Expect Along the Way

• Clear Guidance: Our lawyers handle all communication with Desjardins— you won’t have to speak to the insurer again.
• Medical Updates: Continue providing updated documentation to support your case. The more complete your medical file, the stronger your claim.
• Reasonable Timelines: Most claims resolve in a few months. The wait is often worth it — settlements are typically higher than anything offered in internal appeals.

Common Legal Claim Outcomes

• Settlement: The majority of legal claims lead to a financial settlement. This can include back pay, future benefits, or a full lump-sum payment.
• Benefit Reinstatement: Some clients get their LTD benefits restored shortly after filing a claim — no court required.

Should You File a Legal Claim?

Yes. If your claim has been denied, filing a legal claim gives you the best chance at compensation. Our lawyers have helped thousands of Canadians recover LTD benefits from Desjardins and other major insurers.

Desjardins knows our firm — and they know our results. When we get involved, they often settle rather than risk going to court.

No Win, No Fee Guarantee

At Samfiru Tumarkin LLP, you don’t pay unless we win. Our contingency-fee structure means there are no upfront costs, making legal help accessible when you need it most. Get a FREE consultation today.

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FAQs About Desjardins Long-term Disability Claims

When dealing with Desjardins long-term disability claims, there are often a lot of questions regarding the process, eligibility, and what to do if your claim is denied. Below are some frequently asked questions to help guide you through your claim journey. Find more answers in our full LTD FAQ section.

1. Who Qualifies for Desjardins LTD benefits?

To qualify for Desjardins long-term disability (LTD) benefits, you must meet all of the following conditions:

• Be covered under a Desjardins LTD policy — either through your employer’s group plan or an individual insurance policy.
• Have a serious illness or injury that prevents you from doing your own job during the first 2 years of your claim.
• After 2 years, your condition must prevent you from doing any job you’re reasonably suited for based on your education, experience, and training.
• Provide medical evidence from your doctor that supports your disability and inability to work.
• Meet all deadlines and policy conditions, including a waiting period and regular medical follow-ups.

Common qualifying conditions include: depression, anxiety, cancer, arthritis, fibromyalgia, heart disease, neurological disorders (like MS or Parkinson’s), and chronic pain. [See full list]

2. When Should You Apply for LTD Benefits With Desjardins ?

You should apply for LTD benefits as soon as it becomes clear that you will not be able to return to work due to illness or injury. Typically, LTD benefits begin after short-term disability (STD) with Desjardins or any other income support has been exhausted. Make sure to gather all necessary documents, including the Employer Statement, Employee Statement, and Initial Attending Physician’s Statement.

You must wait for a particular period of time before you can switch to LTD. This is called the “elimination period.” If you are still disabled and unable to work after the elimination period, Desjardins should approve you for LTD benefits.

3. How Do I Submit a Desjardins LTD Claim?

To submit an LTD claim, follow these steps:

• Log into the Desjardins Group Benefits portal or submit paper forms via mail.
• Complete the required documents: Employer Statement, Employee Statement, and Initial Attending Physician’s Statement.
• Ensure all medical evidence is complete and accurate.
• Submit the forms online or mail them directly to Desjardins.

4. How Long Does It Take for a Desjardins LTD Claim to Be Approved?

Desjardins typically processes LTD claims within 5 to 20 business days. However, it could take longer if additional medical documentation is required or if the claim is particularly complex. You can check the status of your claim through the Desjardins Group Benefits login or by contacting your Desjardins disability case manager.

5. What Happens if Desjardins Doesn’t Respond to New Medical Documentation?

After submitting additional medical documentation, it’s critical that Desjardins reviews your claim promptly. However, if they fail to respond within a reasonable time frame, this may be treated as an effective denial of your claim. In such cases, you have the right to challenge their inaction and pursue your benefits. Don’t wait too long—if you’re not hearing back, get a FREE consultation with Samfiru Tumarkin LLP to ensure your claim is properly handled.

6. What Happens After 2 Years on Desjardins LTD?

After 2 years on Desjardins LTD, the definition of “disability” becomes stricter — and this often leads to claims being cut off or denied. Instead of proving you can’t do your own job, you now have to show you’re unable to do any job that matches your education, experience, or training.

This shift results in many people losing their benefits — even when their condition hasn’t improved.

If this happens to you, you still have options. You may qualify for a reinstatement of benefits or a full compensation payout. Our disability lawyers handle these cases every day and know how to challenge unfair cut-offs by Desjardins. Get a FREE consultation today.

7. Can I Appeal a Desjardins LTD Denial?

Yes, if your Desjardins LTD claim is denied, you can appeal the decision. The internal appeal process involves providing additional medical evidence or addressing the reasons for denial. However, it’s often more effective to work with a disability lawyer to file a legal claim against Desjardins, as internal appeals can be denied repeatedly.

8. How Do I Check the Status of My Desjardins LTD Claim?

You can check the status of your claim by logging into the Desjardins Group Benefits portal. If you prefer direct communication, you can also contact your Desjardins disability case manager by phone or email. They can provide updates and let you know if any additional documents are required.

9. What Should I Do If My LTD Benefits Are Cut Off?

If your Desjardins LTD benefits are cut off, especially after the two-year mark, you should act quickly. Start by getting a FREE consultation with a disability lawyer. Gather updated medical evidence that supports your inability to work in any occupation. You can file an internal appeal, but working with a disability lawyer is often the best course of action to challenge Desjardins’ decision and secure your benefits.

10. Can Desjardins Monitor or Investigate My Disability Claim?

Yes, insurance companies, including Desjardins, may conduct surveillance or investigate your claim to verify your disability. This could involve monitoring your activities or reviewing your social media presence. If Desjardins believes you are capable of working based on this evidence, they may deny your claim or cut off your benefits. It’s important to be honest and consistent in your claim.

For more detailed information on how surveillance works in long-term disability cases, you can explore our Guide on LTD Surveillance.

11. What Conditions Qualify for Desjardins Long-term Disability?

Many conditions can qualify, including mental health disorders, chronic pain, and autoimmune diseases. Explore the Full List of LTD Conditions.

12. Do I Have to Be “Totally Disabled” to Qualify for Desjardins LTD?

“Total disability” doesn’t mean you’re bedridden — it means you’re unable to work in your own occupation (and later, any occupation). The term is defined in your specific LTD policy.

13. What is a Desjardins Disability Case Manager and What Do They Do?

Your Desjardins case manager is assigned to oversee your claim, review medical documents, and communicate approval or denial. Learn what to do if your case manager is unresponsive.

14. Can I Work Part-Time or Volunteer While on Desjardins LTD?

Desjardins may allow you to work part-time while continuing to receive long-term disability (LTD) benefits, but only under very specific conditions. Most group insurance policies support a gradual return-to-work program. This is usually a temporary, structured plan where you ease back into the workforce with limited hours while continuing to receive partial LTD payments.

However, this arrangement is not guaranteed long-term. If you continue working part-time for an extended period, Desjardins may argue that you’re capable of working full-time — and cut off your benefits.

In some cases, a policy may specifically allow for part-time work with a gainful income threshold (meaning you can earn a certain amount and still qualify for benefits). But many LTD policies do not include this clause, making it harder to secure partial benefits indefinitely.

15. How Long Can I Stay on Desjardins Long-term Disability?

 Desjardins LTD benefits typically last 2, 5, or 10 years — or up to age 65, depending on your policy.

According to Desjardins, their long-term disability benefit policies may include:

• 24 months (2 years)
• 60 months (5 years)
• 120 months (10 years)
• To age 65

The length of time you can stay on LTD depends on the specific benefit period outlined in your group or individual policy. Even if your policy allows for benefits until age 65, Desjardins may still cut off your benefits early — often at the 2-year mark — if they decide you no longer meet their definition of disability.

If your benefits are stopped before your policy’s maximum duration, speak to our disability lawyers right away through a FREE Consultation. You are entitled to compensation.

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Get Expert Help with Your Desjardins Long-Term Disability Claim

If your Desjardins long-term disability claim has been denied, delayed, or cut off, you don’t have to go through it alone. Samfiru Tumarkin LLP is Canada’s leading disability law firm, with extensive experience successfully representing clients against Desjardins. We understand how Desjardins handles LTD claims — and we know how to challenge unfair denials.

Whether you need help appealing a denial or want to know your rights, our lawyers can review your Desjardins disability claim and get the compensation you’re legally entitled to. We’ve helped thousands of Canadians get the benefits they were promised — and we can help you, too.

We also assist clients with related claims, including life insurance, critical illness, and mortgage insurance, providing full support for various types of insurance disputes in all Canadian provinces (excluding Quebec).

Whether you’re having trouble getting approved for benefits, appealing a denial, or dealing with a claim cut-off after two years, we’re here to help. Contact Samfiru Tumarkin LLP today for a FREE consultation. We’ll deal with Desjardins so you can focus on your health — with peace of mind.

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