Claims related to the COVID-19 situation will be processed in accordance with the contractual clauses stipulated in our group creditor insurance contracts.

As long as all contractual clauses are met, a death resulting from COVID-19 will be eligible for a death benefit.

As long as all contractual clauses are met, total disability resulting from COVID-19 will be eligible for disability benefits.

Remember that the waiting period stipulated in your contract must elapse before benefits can start.

Preventive quarantines (self-imposed or sanctioned) when the insured has no disabling symptoms and/or when no COVID-19 diagnosis was given are not events that are eligible for benefits.

If you are diagnosed with COVID-19 (positive COVID-19 test result) and are disabled (unable to perform the main duties of your job, including telework), you are eligible for disability benefits.

However, it’s important to remember that the waiting period under your contract must elapse before benefits can begin.

If you cannot have your physician complete the attending physician statement in the disability claim form, you can fill out one of the forms below.

First claim

• Plan Member Confirmation of Illness Form for COVID-19 diagnosis
• Plan Member Confirmation of Injury/Illness Form – New Claim

Current claim

• Plan Member Confirmation of Injury/Illness Form – Ongoing claim

SSQ Insurance will continue to require the initial statement from the employer and employee.

* This information replaces the information in the previous memo.

No, disability insurance is intended to cover payments under a vehicle financing contract (loan or lease) for an insured who is unable to perform the main tasks of his or her regular work as a result of an illness or an accident.

Because your creditor has given you a financial reprieve and that certain financial obligations under your financing contract (loan or lease) are therefore deferred, we will not cover the payments impacted by the reprieve for as they are not due. Our group creditor insurance contract exclusively covers overdue payments that must be paid to the creditor or financial institution.

However, once these payments become due, you may be eligible for benefits for the period during which payments are applicable if you are still disabled. We will reimburse the payments to your creditor or financial institution.

COVID-19 is not eligible for critical illness benefits under the critical illness coverage of our group creditor insurance products because it does not appear on the list of covered critical illnesses in our contracts.