desjardinslifeinsurance.com

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1 GROUP INSURANCE

2 Introducing the 360 solution: a comprehensive, value-added approach to disability management for group insurance plans.

3 Good health is one of our most valuable assets, for our families, our loved ones and ourselves. It is also important to businesses, since healthy workers are happier and perform better. That s why we have developed our 360 solution a comprehensive approach to workplace health promotion, that includes prevention strategies, timely intervention, and the very best support and guidance for employees who are unable to work. Good disability management means looking after people first Whether it is short-term or long-term, an employee s absence is costly. On top of disability benefits and medical expenses, there is overtime by co-workers, the cost of hiring a replacement, training expenses, and losses due to lower productivity. Our role as an insurer is to help you keep your disability management costs in check. Our approach is personalized, proactive and responsible. Here is what makes our approach stand out: a claims specialist and a rehabilitation specialist in disability management and prevention (RSDMP) take care of everything, even after a switch from short-term to long-term disability treatment plans developed with the help of our experts workplace disability statistics and related recommendations and high-level reports comparing your data with a benchmark 1

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5 Critical illness insurance Critical illness insurance allows employees to focus on getting better without putting their finances at risk. Our enhanced plan is one of the most comprehensive on the market. Advisory services If your company has decided to self-finance its shortterm disability income plan, our disability management Advisory services can provide you with invaluable support. Our RSDMPs are there to help you manage absenteeism and reduce the risk of employees going on long-term disability. Convalescent care It is important to achieve a full recovery after surgery, for example so employees can be confident that their return to work will be sustainable. Convalescent care includes various services to help employees who have been hospitalized return to work. 3

6 Health and Wellness 360 Workplace health, particularly mental health, is a hot topic right now in the group insurance industry. Consequently, prevention and health promotion are essential components of disability management. We want to be your partner in disability management and support you in your efforts to improve your claims experience and your company s productivity. Health is Cool 360 platform We know that healthy employees are the key to a company s success. That s why we ve added the Health is Cool 360 platform to our service offer. The platform, which is accessible online or by phone, provides your employees with information and advice, while helping them navigate their way around the healthcare system. The platform also includes a Health evaluation tool that provides employees with a comprehensive, confidential report on the state of their health. You can also use this tool to get a global snapshot of your employees health so you can identify the most common health issues and plan preventive health promotion campaigns accordingly. 4

7 Workplace assistance program Today s workplace can be a demanding environment. Employees and managers have to deal with all kinds of challenges, both personal and professional. To help them cope with the stress of modern life and stay productive at work, we offer employees and their immediate families the Posaction employee assistance program (EAP). Health assistance service Healthy employees who have the tools they need to deal with stress and everyday problems miss work less often and are more productive. The Health assistance service is a telephone helpline staffed by healthcare professionals 24 hours a day, seven days a week. Health PACT This service focuses on Prevention, Assistance and Counselling by Telephone, providing a proactive approach to keeping employees at work. An integral part of the Health is Cool 360 platform, it specifically targets chronic conditions that are frequent causes of absenteeism and high group plan costs. 5

8 Specialized training Because we know that prevention plays a crucial role in disability management, our team of experts has developed a specialized training program. The purpose of the program is to share our extensive expertise in health promotion and absence management and help you implement effective processes adapted to your organization. Referrals to external providers We can refer you to external providers who will organize prevention activities to help you detect health problems or encourage employees to adopt healthy lifestyle habits. These activities might include vaccination clinics, an anti-smoking campaign or blood pressure screenings. 6

9 Our interdisciplinary team Our disability management team is made up of 175 claims specialists and 50 disability management and prevention specialists. These specialists have experience in fields such as: medicine nursing psychology counselling physical rehabilitation We can also count on a team of 30 healthcare professionals, including general practitioners, psychiatrists, cardiologists, dentists, pharmacists and other health specialists. About the service offer Our service offer was developed based on over 50 years of experience in disability management and prevention. It is the result of a collaborative effort by our RSDMPs, our team of healthcare professionals, the actuaries in our research and development department and our long-standing clients. About Desjardins Insurance Desjardins Insurance has been offering a wide range of life and health insurance and retirement savings products to individuals, groups and businesses for more than a century. As one of Canada s five largest insurers, it oversees the financial security of over five million Canadians from offices across the country. Desjardins Insurance is part of Desjardins Group, the country s leading cooperative financial group. 7

10 Please don t hesitate to contact us for additional information on our products and services. Vancouver Calgary Edmonton Winnipeg Toronto Ottawa Montreal Lévis Dartmouth St. John s Visit our website: desjardinslifeinsurance.com Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company. Proud Partner of 11234E (15-07)