All Credit Balance Insurance - Individuals claims must be submitted to Desjardins Financial Security (DFS):
Desjardins Financial Security may ask you to provide, as quickly as possible, additional information required to assess your claim.
You may submit a claim once you have been totally disabled for at least:
It is important to include the insured's death certificate with your claim.
You must submit your claim as of the 31st day following the initial diagnosis of a critical illness1.
You must submit a claim once you have been unemployed for at least 31 consecutive days (benefits are payable as of the 31st day following the loss of employment).
1. Critical illness means cancer, heart attack, stroke or terminal illness diagnosed by a physician.