My wife had a long term disability (LTD) policy with Desjardins and despite having had 2 strokes these dirt bags refused to pay anything because and I quote "we have determined that she can perform her work". They never met or saw wife or assessed her in any way. They made this decision despite our doctors reports stating she could not work safely. Do not Insure yourself with this company unless you want to *** your money away and have no protection.
Do all you can to move any group policy to another company. They did not honor her agreement and may not honor yours. They have elevated the runaround to an art form. They demonstrated a lack of integrity and a lack caring in the least. Their interest was lining their own pockets.
Be very aware of this company. This could happen to you!