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I work for a company that uses SSQ for invalidity/salary insurance for their employees obviously for protecting employees who are signed off work by a health professional. Unfortunately, SSQ does not send the salary to it's paying costumers/members, on time and/or simply stop sending it without notice. You have to spend countless hours with them to figure out what's happening, they always come up with new demands from a health professional (cost +/- 100$ each time ), reports, assessment, etc and this is ongoing. Even if you are 100% on top of their demands they still stop payments at any time for their own pleasure, then good luck getting things moving, grab a coffee and a magazine cause you ll be busy all day with their request, phone calls and emails! I ended up having to send my emails directly to SSQ Insurance CEO, he's too busy to answer you but he does get the email and normally he delegates his work to the other employees). If your company wonders if they should go with SSQ, do your self a huge favour and encourage them not to do business with these crooks, the cost per employee is not only expensive but it doesn't protect you! In my opinion, take it for what its worth!