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:
- 70% of your monthly pre-disability earnings (not offset by deductible income).
- 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.