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About

Long Term Disability Insurance

Back to Income Protection 
  • Plan Effective Date: April 1, 2016 
  • Eligible Group(s): All active employees working at least three-quarter time. 

Waiting Period

1st of the month coinciding with or following 12 months of employment.

The employee must be in continuous active employment in an eligible group during the specified waiting period. If a break in service occurs where premiums are not being paid, upon returning to work, the waiting period must be met again before an employee may participate in the Long Term Disability Plan.

Who Pays for the Coverage

Your Employer pays the cost of your coverage.

Elimination Period

180 calendar days of Disability caused by the same or a related sickness or injury, which must be accumulated within a 360 Calendar day period.

Monthly Benefit

60% of monthly earnings up to a maximum benefit of $10,000 per month.

 

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