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)
STD is provided at no cost to you. You are automatically covered as a full-time, non-union employee — no enrolment is needed. This benefit is subject to income tax when it is paid. This benefit ends at retirement or age 65, whichever is earlier.
| Coverage | Benefit |
| Short-Term Disability | 70% of your weekly earnings up to a $1,500 weekly maximum |
| Benefits are payable immediately following an injury, or on the 8th day of illness, up to a maximum of 17 weeks |
Long-Term Disability (LTD)
Long-Term Disability benefits are intended to be a source of income replacement if you become totally disabled due to non-work related injury or illness. This benefit ends at retirement or age 65, whichever is earlier. Coverage is provided to eligible employees with no payroll deduction. As a result, the benefit is subject to income tax when it is paid.
| Coverage | Benefit |
| Long-Term Disability | 66.67% of your monthly earnings up to a maximum of $7,500 per month |
| Benefit begins after the 119th day of disability | |
| Monthly earnings exclude bonuses, dividends, overtime, or profit sharing, etc. |
If you are part of a Union and covered under a Collective Bargaining Agreement (CBA) that offers Disability benefits, your coverage may vary. Please refer to your CBA.
How STD and LTD Can Work Together
Let’s say you have an accident on the ski slopes and you must be away from work due to your injuries.
Here’s how your disability benefits would work:
- For the first seven days away from work due to an illness, you may use your accrued sick and/or vacation time and receive your regular pay. Note that you are able to collect STD benefits immediately following an injury.
- For the next 17 weeks, you would receive STD benefits equal to 70% of your pay, up to $1,500 per week.
- If you are out longer than 119 days and cannot perform your job, LTD benefits would begin and would replace 66.67% of your pay, up to a maximum of $7,500 per month. These benefits would continue until you no longer meet the definition of disabled as defined by the insurance company.
A qualifying disability is a sickness or injury that causes you to be unable to perform any other work for which you are or could be qualified by education, training, or experience.
- After 119 days: LTD begins if approved
- Next 17 weeks:* Approved STD replaces 70% of your weekly pay
- First week:* Elimination period, then benefits begin