Disability


​​​​​​Desjardins Group Pension Plan​​ (DGPP)

If you require disability leave, the following is what is stipulated by your plans:

​​​​​I am a regular (full- or part-time) employee or an employee who has been re-hired by Desjardins Group as a temporary employee 120 days or less after my employment as a regular Desjardins Group employee ended

The first part of the disability period, until the end of the 2nd week, is known as the waiting period and is covered by your employer.

During this period, your Desjardins Group Pension Plan (DGPP) membership continue. Your contributions must be paid.

The period from the 3rd to the 26th week is called the short-term disability period.​

During these 24 weeks, your Desjardins Group Pension Plan (DGPP) membership continue. You must continue to pay your contributions to the DGPP, based on your salary. The reference salary used to establish your dues is your regular salary prior to your disability leave, if you are a full-time employee. If you are not a full-time employee, the average of the salaries for the last 13 weeks worked, up to the normal average number of hours for your employment category, is used to calculate your contributions.

The period starting as of the 27th week is the long-term disability period.

If you are on long-term disability, you are exempt from paying DGPP contributions. This means that you have no contributions to pay to the DGPP.

For the purposes of the DGPP, your years of credited service continue to accumulate as long as you are on disability leave. For each year in this period, the DGPP recognizes your salary as being at the same level as when you began your disability leave. This salary is indexed annually, up to a maximum of 4% per year.

I am a temporary employee with insurance

The Group Insurance Plan provides that the disability period (maximum of 24 months) will end on the employment end date stipulated in your contract. As for the Desjardins Group Pension Plan (DGPP), even if you are no longer eligible for disability benefits, you can continue to contribute to the DGPP provided your disability is recognized by the insurer. You will need to submit your medical file to the insurer. You must pay your contributions to your employer up until the 26th week of disability.

The first part of the disability period, until the end of the 2nd week, is known as the waiting period and is covered by your employer.

During this period, your Desjardins Group Pension Plan (DGPP) membership continue. Your contributions must be paid.

The period from the 3rd to the 26th week is called the short-term disability period.​

During these 24 weeks, your Desjardins Group Pension Plan (DGPP) membership continue. You must continue to pay your contributions to the DGPP, based on your salary. The reference salary used to establish your dues is your regular salary prior to your disability leave, if you are a full-time employee. If you are not a full-time employee, the average of the salaries for the last 13 weeks worked, up to the normal average number of hours for your employment category, is used to calculate your contributions.

As of week 27

Even though you are not eligible for long-term disability income benefits, you could be exempted from making your DGPP contributions. This means that you will not have to make any contributions to the DGPP. You will be exempted if you are still disabled, and you will need to submit your medical file to the insurer.

I am a temporary or occasional employee without insurance

From the disability start date up to the end of week 26

Even though you are not eligible for short-term disability benefits, your participation in the Desjardins Group Pension Plan (DGPP) continues during this period if your disability is recognized by the insurer. You will need to submit your medical file to the insurer. You will also need to remit your contributions to your employer.

As of week 27

Even though you are not eligible for long-term disability income benefits, you could be exempted from making your DGPP contributions if you are still disabled. This means that you will not have to make any contributions to the DGPP. You will be exempted if you are still disabled, and you will need to submit your medical file to the insurer.

Group Insurance

​To find out how this life event could affect your group insurance plan, please visit My Health Is Cool 360°.

​You can also access My Health Is Cool 360° from the Desjardins Insurance secure site.​