Help with a disability claim in group insurance

In case of short-term disability coverage:

• As soon as possible from the first day of absence.

In case of long-term disability coverage only:

• 6 to 8 weeks prior to the end of the waiting period stipulated in your insurance policy.

If you meet the definition of disability as well as other requirements of your insurance contract, you will receive disability benefits. Payments are due following the waiting period stipulated in your insurance policy. Payments will depend on the type of your disability.

Short-term disability benefits are paid every two weeks.

Long-term disability benefits are paid on a monthly basis at the end of each month.

It is your responsibility to stay in contact with your analyst while your disability claim is in effect.

You must inform your analyst of any change in your medical condition during the course of your disability claim.

You must also provide all the documents your analyst requests, be they medical (clinical notes, X-rays or specialist reports), financial (from CSST), or administrative (medical history form).

It is our responsibility to keep you informed at each step of your disability claim procedure and to explain any of our decisions.

It is also our job to keep your personal and medical information confidential.

When you feel fit to return to work, whenever it is appropriate and possible, we will work with you and your employer to make any necessary accommodations to your work schedule or duties.

Requests for medical information for assessment of your disability claim may include:

• Clinical notes from your family doctor;
• A consultation report from a specialist;
• Progress reports from any of your health professionals such as a psychologist or a physiotherapist;
• Results from your medical exams;
• Your hospitalization report (if you have been hospitalized);
• An independent medical evaluation requested by Humania Assurance;
• Results from interventions carried out by a rehabilitation consultant, mandated by Humania Assurance.

Yes, it is important to continue paying your insurance premiums.

If Humania Assurance recognizes your disability, and your insurance policy includes a waiver of premiums provision for some of your coverages, you may be entitled to a premium waiver. In this case, your premium waiver would begin after the waiting period stipulated in your contract. Any overpayment of premiums will also be reimbursed. For further information, please review your insurance policy.

Make sure to complete, sign and attach all of the sections of the document required for your Disability Claim Form.

1. Claimant statement
2. Policyholder statement
3. Attending physician statement and any necessary medical information (consultation report, progress notes or reports, medical exam results, hospitalization report, etc.)
4. Humania Assurance's Standard Authorizations.