Making a LTD Claim

When members first become ill or injured, a Health Care Management Specialist (HCMS) from Desjardins Insurance (Desjardins) contacts them as part of the Joint Early Intervention Service.

If necessary, the HCMS follows members through their treatment and recovery and helps them return to work during the 120-day elimination period for Core Long Term Disability (LTD) benefits.

During this period, the HCMS makes sure members receive the best available care and, if appropriate, a coordinated rehabilitation plan.

If members are unable to return to work after the LTD elimination period, the HCMS helps them transfer seamlessly to the LTD program.

Members must submit the Member Authorization Form and the Attending Physician’s Statement within 60 days of the expiry of the elimination period. Also within this timeframe the employer must submit the Initial Employer’s Report. The HCMS will help members gather any required documentation and guide them through the LTD claim process.

For more information about LTD coverage and claims, please read the complete plan provisions in the Core Long Term Disability Program(PDF) document.