Disability
Disability insurance provides financial protection if you’re unable to work due to illness or injury. It replaces a portion of your income, helping you manage everyday expenses and maintain stability while you recover. Short-Term Disability (STD) typically covers temporary conditions, while Long-Term Disability (LTD) offers extended support for more serious or long-lasting health issues. This coverage offers peace of mind, ensuring you’ll still receive a steady income if the unexpected happens.
Short-Term Disability (STD)
- You are eligible to receive STD benefits after you have been disabled for 7 days due to a non-work-related illness or injury
- Up to a maximum of $170 per week
- Benefits end after 26 weeks
Long-Term Disability (LTD)
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You are eligible to receive LTD benefits after 26 weeks of disability
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Replaces up to 60% of your eligible income, up to a maximum of $10,000 per month for up to 1-3 years, depending on your age at the time of disablement