Disability Insurance

Help with disability claims

An illness or injury can be worrisome, especially when it prevents you from working.
Disability insurance offers income protection when you are unable to work so that you can continue to respect your financial obligations.

Don’t waste time!

  • Send all the documents required to submit a disability insurance claim together.
  • Respect the deadline by which to submit your claim.

Your disability claim in 4 steps

Start of disability

When a doctor places you on a leave of absence from work, contact your employer as soon as possible. Your employer will be able to tell you what disability insurance coverage you have and how to submit a claim.

Your employer will also provide you with all the documents required to submit a claim.

Sending documents

To make your claim easier to process, you or your employer must send in all the documents required together by:

Quebec office

Email: salaire@ssq.ca

Fax: 418-651-5569

Mail:
SSQ, Life Insurance Company Inc.
Disability Management
2525 Laurier Boulevard
PO Box 10500, Stn Sainte-Foy
Quebec City, QC G1V 4H6

Toronto office

Email: disabilitymanagement@ssq.ca

Fax: 1-866-411-9248

Mail:
SSQ, Life Insurance Company Inc.
Disability Management
110 Sheppard Avenue East, Suite 500
Toronto, ON M2N 6Y8

Claims analysis

Your claim will be processed as soon as all the required documents are received.

To determine eligibility for disability benefits, the case manager considers the following information :

  • Your insurance policy
  • Your medical condition including current treatments, limitations and restrictions, etc..
  • Your job description
  • The coordination of benefits stipulated in the contract in the event where benefits are paid by a government agency (e.g., Canada Pension Plan, Retraite Québec, etc.)

In order to make an informed decision, the case manager may also contact you by phone to obtain additional information. In some cases, additional documents may be required.

Decision notice

Once all the documents are received and analyzed, a decision is rendered and you will be informed in writing. When your claim is accepted, benefits will be deposited in your bank account.

Frequently Asked Questions

How do I submit a disability insurance claim?

To make sure your claim is processed as efficiently as possible, be sure to send in all the duly completed forms below together: 

  • Application for Disability Insurance Benefits – Statement of insured
    This section is for you to provide your contact details, your sources of income and the information required for the bank deposit.
  • Application for Disability Insurance Benefits – Statement of plan administrator
    This section is for your employer to provide details about your job, salary and tasks.
  • Statement of attending physician

There are three ways to send in documents:

Quebec office

Email: salaire@ssq.ca

Fax: 418-651-5569

Mail:
SSQ, Life Insurance Company Inc.
Disability Management
2525 Laurier Boulevard
PO Box 10500, Stn Sainte-Foy
Quebec City, QC G1V 4H6

Toronto office

Email: disabilitymanagement@ssq.ca

Fax: 1-866-411-9248

Mail:
SSQ, Life Insurance Company Inc.
Disability Management
110 Sheppard Avenue East, Suite 500
Toronto, ON M2N 6Y8

When must I submit a claim?
Short Term Disability Insurance As soon as possible after your disability  
Long Term Disability Insurance Whose benefits start within the first six months of disability 30 days prior to the start of benefits as stipulated in your contract
  Whose benefits start more than six months after disability  90 days prior to the start of benefits as stipulated in your contract

 

How can I make sure my claim is processed as quickly as possible?

To make sure your claim is processed as quickly as possible, send all duly completed documents together.

What happens after I submit my disability insurance claim?

Your claim will be sent to a case manager who will analyze the documents provided and determine, based on your policy, whether or not you are eligible for disability insurance benefits. 

We will inform you in writing of our decision.

When accepted, benefits will be deposited directly into your bank account. 

What information is considered when analyzing a claim?

In addition to the information you provided for your disability claim, we consider the information provided in the Statement of attending physician. The case manager may also contact you to obtain more information. The purpose of this call is to understand your situation to assure a better follow up of your claim and make sure you get the support you need for a successful recovery.

Do I continue to pay insurance premiums while on disability leave?

Contracts include a waiver of premiums clause. However, the period before the waiver applies varies from one contract to another. Please consult your insurance booklet, which is available in the Customer Centre, for more information on this clause.

Will my claim be automatically accepted?

A doctor’s diagnosis is not the only criterion that determines disability. Your medical condition must also meet the definition of disability in your contract. 

This definition has two components: In general, the first component applies to your regular employment and the second to all other gainful employment. For more information, consult your insurance booklet in the Customer Centre.

What happens if my claim is denied?

If your claim is denied and you disagree with the decision, you have 90 days upon receipt of the decision to request a review.  

You must submit a request for review in writing along with all new medical information, if any, that supports your request. Remember that the fees for medical exams and new documents (e.g., lab analysis, medical report) are at your expense.

When will my first benefit be paid?

To receive benefits, you must first apply for direct deposit by providing a void cheque. This ensures quick benefit payment once the claim is approved. 

How and how often are benefits paid?
  • Short-term disability insurance: Benefits are paid every Tuesday
  • Long-term disability insurance: Benefits are paid on the 3rd business day before the end of the month

However, you must sign up for direct deposit by appending a void cheque to your disability claim. This method enables us to pay your benefits quicker after your claim is approved.

Depending on your financial institution, it can take 24 to 48 hours for a benefit to be deposited in your bank account.

Are disability benefits taxable?

To know whether your benefits are taxable or not, refer to your group insurance booklet available in the Customer Centre.

If you do not find the information there, please refer to your employer.

What are my obligations as an insured?

When submitting a claim, you are responsible for sending in all required documents, duly completed.  

Once on disability, you must provide, upon request, with all additional medical documentation or pertinent information requested of you to maintain your disability leave.

 

 

Who do I contact if my health condition changes?

Any change in your health condition must be reported to our disability insurance team at one of the numbers below:  

  • Quebec City Office: 1-888-651-2307 
  • Toronto Office: 1-866-885-6772 
Will SSQ Insurance contact me while I’m on disability leave?

During your disability leave, a case manager may contact you to find about your health, functional capacities and progress.

Understanding your situation enables us to continue paying your disability benefits.

This also enables us to refer you to specialized healthcare services or professionals that can help you recover.

What is a waiting period?

The waiting period is the amount of time that must elapse from the date on which your disability leave starts until the date on which you begin to receive disability insurance benefits. 

The waiting period applicable to your contract is stipulated in your group insurance booklet in your Customer Centre. You can also ask your plan administrator.  

What is the definition of disability?

The definition of disability is specific to each plan. Refer to the booklet in the Customer Centre for more information.  

What is the difference between short- and long-term disability benefits?

In short term disability insurance, the waiting period can range from a few days to a few weeks. Disability benefits serve as income replacement over the weeks or years of disability as stipulated in the contract. 


Long term disability insurance benefits are normally provided over months or years. These benefits serve as income replacement for years, even up to age 65, as per the contract.  

For information on the coverage in your plan, please refer to the booklet in the Customer Centre.

Who can I ask my disability Insurance questions to?

If you have questions about SSQ Insurance disability benefits, please contact the disability insurance team at

  • Quebec City Office: 1-888-651-2307 
  • Toronto Office: 1-866-885-6772 

However, if your questions concern disability benefits payable by your employer, please contact your plan administrator. 

Contact us