Disability Benefits

Disability benefits provide you with a continuing source of income in the event of a serious illness or injury that keeps you from working.

There are two types of disability benefits: short term and long term. Short term disability (weekly indemnity) provides you with an income for the early portion of a disability period. Long term disability provides income replacement when you are off for an extended period of time.  For more information on short and long term disability see below.

Short Term Disability Plan

Service Plan

• not available

Gold Plan

• 60% of earnings to a maximum of $468/week

Premium Plan

• 60% of earnings to a maximum of $468/week

Your coverage for short term disability provides a benefit if you become totally disabled because of an accident or illness.

• eligibility generally starts the first day after an accident or hospitalization
• eligibility generally starts from the 14th day after illness
• covers you for up to 119 days
• must be supported by a medically approved claim

To view your group benefit plan, please click here.

Long Term Disability

Service Plan

• 60% of earnings to a maximum of $1,500 per month

Gold Plan

• 60% of earnings to a maximum of $2,000 per month

Premium Plan

• 60% of earnings to a maximum of $2,500 per month

Your coverage provides non-taxable benefits if you become totally disabled because of an accident or illness. Coverage starts 119 days after the onset of illness or the date of accident. This must be supported by a medically approved claim.

Benefits are paid until you are able to return to work or you turn 65 years of age, whichever occurs first.

To view your group benefit plan, please click here.