How to submit a claim

  1. Tell your plan administrator that you’ll be off work, so they can check to make sure you’re covered. Once they’ve confirmed your coverage, they’ll fill out the Employer Statement (PDF, 1.6 MB) Opens in a new window.Employer Statement (PDF, 1.6 MB) Opens in a new window. and send it to us.
  2. Fill out the Employee Statement (PDF, 1.1 MB) Opens in a new window.Employee Statement (PDF, 1.1 MB) Opens in a new window. and send it to us as soon as possible. The various ways of sending it to us are explained on the form.
  3. Give your doctor the Initial Attending Physician’s Statement (PDF, 1.2 MB) Opens in a new window.Initial Attending Physician’s Statement (PDF, 1.4 MB) Opens in a new window. that applies to your specific situation and province, and ask them to fill it out and return it to us as soon as possible.

When to submit your claim

Every insurance contract has a time limit for submitting short- and long-term disability claims. But no matter what the timeframe is, it’s always best to send it as soon as possible. There’s no reason to wait – and the earlier you start the process, the sooner you’ll start receiving payments.

Type of insuranceWe recommend you submit your claim…
Short-term disabilityWithin 10 days of the last day you worked
Long-term disabilityNo later than 4 weeks before you become eligible for long-term benefits

If you’ve already submitted a short-term disability claim, you don’t need to submit a new claim.

Speed up the process!

We need 3 completed forms to process your claim: your plan administrator’s, your doctor’s and yours.

Here’s what you have to do:

  • Fill out the Employee Statement and send it to us right away. Don’t wait for the Employer Statement and the Initial Attending Physician’s Statement.
  • Check in with your doctor to make sure they’ve sent us the completed form. If you haven’t given them the form yet, there’s no need to make an appointment; just ask the receptionist to get the doctor to fill it out and return it to us as quickly as possible.

Don’t worry about following up with your plan administrator about the Employer Statement—we’ll take care of that for you.