La Capitale launches a new disability claims management approach

Québec, QC (Nov. 25, 2019) – La Capitale Insurance and Financial Services is launching an integrated disability claims management process that is based on a comprehensive approach to mental health. Three innovative solutions have now been made available to insureds under a La Capitale group insurance plan, enabling them to optimize their treatment and improve their well-being.

The continually rising costs associated with disability related to mental health pose a challenge for employers wishing to offer affordable, quality coverage to their employees.

In order to promote a faster return to health and thus shorten disability periods, La Capitale will use:

  • Internet-based cognitive behavioural therapy (CBT),
  • pharmacogenetics, and
  • medication use optimization.

This innovative approach to mental health stems from partnerships with firms specializing in healthcare.

“Knowing that psychological illnesses represent approximately 70% of disability benefit costs and that 70% of patients in Canada do not take their medication as instructed by their physician, we considered it necessary to offer complementary disability management services in a mental health context. Each of these services individually has a positive impact on recovery. We are confident that, when combined, they will have an even stronger impact,” said Mario Albert, Executive Vice-President of Group Insurance at La Capitale.

Disability Claims Management Approach (La Capitale Insurance and Financial Services)

In partnership with MindBeacon Health, La Capitale offers online self-management to those with mental health issues. Eligible disability claimants also have access to a mental health therapist through a digital platform. The service, which uses the proven CBT approach to help reduce symptoms, is personalized and available 24/7, thus offering greater autonomy.

In partnership with BiogeniQ, La Capitale is offering optimization of the therapeutic approach through pharmacogenetics. Certain insureds who agree to be involved in the process will have an opportunity to undergo genetic testing that can predict their response to medication. The test results are confidential and are not shared with La Capitale. The information is sent only to the attending physician, allowing him or her to identify the preferred medications and optimize the treatment prescribed.

Lastly, in partnership with MedHelper, La Capitale is offering certain disability claimants a mobile app that promotes optimal medication compliance. This user-friendly tool will enable participants to plan their dosages, schedule reminders, keep track of their medication supply and know when to renew their prescription.

This innovative integrated approach is part of La Capitale’s health and wellness continuum, which offers interventions that focus on individual participants and their specific needs.

About La Capitale

La Capitale Insurance and Financial Services, created in 1940, has a strong presence across Quebec and throughout Canada. With over 2,686 employees and guided by the values of mutualism on which it was founded, La Capitale works with clients to build, protect and value what they feel counts for their financial security. It offers insurance products and financial services to the general public, as well as to Quebec public service employees. With assets of $7.4 billion, La Capitale occupies a choice position among leading insurers in Canada. For more information, visit

About MindBeacon Group

The MindBeacon Group is committed to providing evidence-based mental health therapy that is accessible whenever and wherever it is needed. With the goal of empowering individuals to live their best lives, MindBeacon Group brings ground-breaking innovation and current clinical best practice to the development and delivery of mental healthcare. Their clinical practice began with CBT Associates, a network of Greater Toronto Area-based clinics that provides in-person and virtual care to individuals across Ontario. In 2017, the BEACON™ digital platform was introduced as the first commercially-available clinician-guided iCBT service available across Canada. Learn more at

About BiogeniQ

BiogeniQ helps people take control of their health by offering simple, appropriate and relevant recommendations based on their DNA. Through collaboration with healthcare professionals, genetic testing is delivered in a responsible and ethical manner. Since its foundation in 2013, BiogeniQ has won numerous awards in the area of health and new technologies, including the life sciences innovation award from the Association pour le développement de la recherche et de l’innovation du Québec (ADRIQ), as well as the award for most innovative young company in Quebec. Since 2018, BiogeniQ has been a division of Biron Groupe Santé. For more information, please visit

About MedHelper

We are passionate about helping our users lead healthier lives. Founded in 2013, MedHelper began as a medication reminder app. From real-life experiences in caring for loved ones and managing their illnesses we have worked to add unique features and an enhanced user experience to our platform. We are integrating with pharmacies across Canada, insurers, associations and other partners involved in your treatment. We want to make it easy for you to manage your health. We remain socially committed to providing the accessibility of these tools to all individuals, free of charge. For more information, please visit

SOURCE: La Capitale Insurance and Financial Services

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