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This plan will no longer be available to new applicants after December 31, 2016.

If you are currently a CDSPI Long Term Disability plan policyholder and have purchased the Future Insurance Guarantee (FIG) Option, you can continue to exercise this option under your existing policy.
(See the “Options” section in the Long-Term Disability Insurance Plan Sheet for a definition of Future Insurance Guarantee)

Starting January 1, 2017:

• If you apply for disability coverage through CDSPI; or
• If you currently have disability coverage through the CDSPI Long-Term Disability plan, and want to increase your coverage (other than through the FIG option);

then, you will apply for coverage under the DisabilityGuard™ plan.

You can also make the following changes to your CDSPI Long-Term Disability coverage:
• Increasing the elimination period (waiting period)
• Reducing your coverage amounts
• Rating or Exclusion reconsideration

If you have any questions, please contact a licensed insurance advisor at 1-800-561-9401 or email

Underwritten by The Manufacturers Life Insurance Company (Manulife),
PO Box 4213 Stn A, Toronto, ON, M5W 5M3

Download Long Term Disability Insurance Plan Sheet

You can switch to DisabilityGuard™ Insurance

You can choose to switch all of your current CDSPI LTD plan to DisabilityGuard™. This option is available with no medical questions or tests until July 31, 2017. Call us to find out your competitive new rate.


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