Disability Benefits

Long-Term Disability Benefit Amount
If your disability is not work-related, and you complete the benefit waiting period, you might be eligible for a long-term disability (LTD) benefit.  The LTD benefit equals 60% of your pre-disability earnings, reduced by deductible income.

  • The maximum LTD benefit is $15,000 per month before reduction by deductible income.
  • LTD benefits are not payable if work-related disability benefits are payable.

Work-Related Disability Benefit Amount
If your disability arises out of or in the course of your employment and you complete the benefit-waiting period, you will be eligible for a work-related disability benefit as set out below.  The work-related disability benefit equals the lesser of:

  1. 70% of your monthly pre-disability earnings (not offset by deductible income).
  2. 90% of your monthly pre-disability earnings offset by any deductible income.

The maximum work-related disability benefit is $15,000 per month before reduction by deductible income.

 

Disability Handbook - cover