I was employed by another Desjardin component - Group Insurance Plan

I am a regular employee (full-time or part-time) and:

I was employed by a caisse or by another Desjardins component, I am a regular employee (full-time or part-time) and I benefited from regular employee insurance

If your interruption was less than or equal to 120 days and you benefited from regular employee insurance with your previous employer, you will continue to benefit from the same coverage. You do not have to sign up again for the Group Insurance Plan.

However, you must fill out the Beneficiary Designation form (pdf - 38 kb). The form must then be signed and given to your new employer, to be kept in your personal file. Upon your death, the insurer will ask your employer for the form in order to pay the insured amounts to the beneficiaries.

If your interruption was more than 120 days, you are considered a new employee. In this case, the rules relative to new employees apply.

I was employed by a caisse or by another Desjardins component, I am a regular employee (full-time or part-time) and I benefited from temporary employee insurance

If your interruption was less than or equal to 120 days: Since you were a temporary employee with your previous employer, you were covered by the insurance plan for temporary employees. Now that you are a regular employee, your life insurance coverage will continue, but you are now entitled to long-term disability insurance and you have access to the four Health Care Insurance options. If you like, you can go on-line, to the Group Insurance Plan site, to select the Health Care Insurance option that best suits your needs.

You must also fill out the Beneficiary Designation form (pdf - 38 kb). The form must then be signed and given to your new employer, to be kept in your personal file. Upon your death, the insurer will ask your employer for the form in order to pay the insured amounts to the beneficiaries.

If your interruption was more than 120 days, you are considered a new employee. In this case, the rules relative to new employees apply.

I was employed by a caisse or by another Desjardins component, I am a regular employee (full-time or part-time) and I am currently a member of the Insurance Plan for Desjardins retirees

If you are currently a member of the Group Insurance Plan for retirees,you will continue to be covered under this plan. You cannot join the Group Insurance Plan for employees. As a retiree, even if you come back with the status of an employee, you can no longer sign up for the Group Insurance Plan for employees.

I was employed by a caisse or by another Desjardins component, I am a regular employee (full-time or part-time) and I was not a Group Insurance Plan member

The Group Insurance Plan for Desjardins employees and retirees offers you and your family attractive coverage.

Eligibility for the Group Insurance Plan

If you are a regular employee and you work at least 10 hours per week, you are eligible for the Group Insurance Plan.

Plan coverage available to regular employees
 

  • Life insurance coverage
  • Critical Illness Insurance coverage
  • Short-term or long-term disability insurance benefits
  • Healthcare coverage offering more or less extensive coverage depending on the option chosen: Preventive, Comprehensive, Comprehensive+, Enhanced.
  • Four types of coverage: individual, couple, family or single-parent
     

Under the provisions of Quebec’s Act respecting prescription drug insurance, a person under age 65 who has access to a drug insurance plan with their employer, as is your case, must participate in the plan and cover dependent persons if the latter don’t have access to this type of plan.

You can be exempt from healthcare coverage if you benefit from equivalent protection through your spouse. Rather than choosing one of the four types of protection above, you would choose to be exempted.

If you and/or your spouse are over age 65, you must contact our insurer, Desjardins Insurance, at 1-866-666-7039, on the subject of drug insurance.

Sharing premiums

The Board of Directors of the Fédération des Caisses Desjardins du Québec recommends that employers pay 80% of the premiums for the entire plan (based on the Comprehensive option in the Health Care Component), except for additional life and additional critical illness insurance for which the employee pays 100% of the premium

For more information
 

On-line registration

To register on-line for the Group Insurance Plan

Designating a beneficiary

You must fill out the “Beneficiary Designationform. The form must then be signed and given to your employer, to be kept in your personal file. Upon your death, the insurer will ask your employer for the form in order to pay the insured amounts to the beneficiaries.