Weekly Indemnity (Short Term Disability) provides a tax free benefit to you if you become ill, injured or hospitalized.
The Benefit Calculation is 66 2/3% of your weekly earnings up to a maximum weekly amount of $750.00.
There is no elimination period for injury or hospitalization and a 7 day elimination period for illness or disease.
The maximum benefit period is 17 weeks (119 days).
Please check with your Agency Admin Contact to see if your Agency has weekly indemnity coverage.
Long Term Disability
Long term disability provides a tax free benefit to you if you become totally disabled.
The Benefit calculation is 55% of the first $3,500 of your basic monthly earnings plus 40% of the balance to a maximum benefit of $3,500.
There is a 119 day elimination period which is a waiting period before benefits start from the date you were unable to attend work.
The elimination period and the following 6 months is considered the Own Occupation Period – you will be considered totally disabled while you are continuously unable due to illness to perform the essential duties of your own occupation; after this period the definition changes to “any occupation” for which you are or may become reasonably qualified to perform (by education, training or experience).
In addition to income replacement this benefit also includes rehabilitation and return to work support.