Disability Insurance (Income Protection)
Disability insurance plans help you when you can't work for weeks or months due to an illness, injury, or pregnancy-related condition.
- You do not need to use your personal or vacation time before filing a claim for your short-term coverage. Short term disability benefits will be paid in addition to your sick time (monthly benefit may be reduced if Workers' Compensation is received).
- You need to miss a certain number of work days before your disability pay starts. This is called an elimination period.
- If you don't meet the waiting period but are hospitalized, you are still able to file a claim and benefits are increased when hospitalized.
- Pre-existing conditions limitations may apply.
Short and Long Term Disability Information