Wellness and disability programs
Putting your health first
Our programs try to prevent a disability but provide financial, physical and emotional support to get you healthy and back at work.
Avoid absences
Our tools and services can help prevent a disability and proactively support you.
Monthly income
Disability benefits can provide you a source of income and sense of security.
Expert advice
Work with medical experts and case workers to find solutions that work best for you.
What is workplace disability insurance?
Disability insurance provided by your employer or association works when you can’t, giving you a tax-free monthly payment to replace your income. While a disability can often be visible to the naked eye, not all disabilities are so easily recognized. Chronic pain or a mental health issue can also qualify as a disability.
It’s usually more affordable than a personal disability policy. But you have less flexibility to tailor your coverage to your needs and you typically can’t take coverage if you leave.
Have benefits through your employer?
Use your online account to submit a claim, manage your plan and explore additional coverage options.
What types of workplace disability are there?
| Short-term disability insurance | Long-term disability insurance | |
|---|---|---|
| How long does it last? | Up to 6 months | Extended periods until age 65 |
| How long do you have to wait before receiving benefits? | Less than 14 days | Typically 90-120 days |
| How much of your gross monthly income can it replace? | Up to 80% | Up to 60% |
Already have workplace disability coverage?
You can easily submit your disability claims, check your coverage and visit our health and wellness site with GroupNet for plan member and the mobile app.
Working with you every step of the way
Nobody wants the physical, emotional and financial stress of a disability so we try and prevent it before it happens. But if you do experience a disability, we'll help you with a recovery plan to get you back to work.
Prevention
Use our resources to maintain a healthy lifestyle and stay ahead of any issues that could lead to a disability.
Create a health plan
Health Connect provides resources from health experts and you can complete a health risk assessment, create a wellness plan and track your progress.
Try it on GroupNet - Opens in a new windowMental health strategies
Workplace Strategies for Mental Health provides free tools, resources and training to develop strategies to help you thrive at home and work.
Visit the site - Opens in a new windowCounselling and consultation
Don't face your problems alone - our employee and family assistance program can help you and your family if it's part of your plan.
Learn moreSupporting your recovery
We work quickly to find someone who will guide you through the process, keep you positive and help you recover to go back to work.
Quick response
Your claim will be processed in 24 hours and a case manager will contact you and your employer to discuss the details.
Personal support
You’ll only have one case manager who will be there for you every step of the way as you begin your recovery until you’re ready to go back to work.
Return to work
Communicate and stay connected with your co-workers and leaders, as we work together to explore alternate tasks or roles and a modified schedule if needed.
Do you need personal insurance if you have workplace coverage?
Workplace insurance is a great start, but it usually only provides basic coverage. A personal disability policy complements your existing coverage – together, they can help protect you, your family and your lifestyle should the worst happen.
| Workplace coverage | Individual coverage | |
|---|---|---|
| How much coverage do you get? | Coverage amounts are often limited | You choose your coverage amount |
|
How flexible is it? | Your employer often picks the coverage options | You choose the coverage amount and how long you need it |
| Can you change your coverage? | Typically, you can make changes once a year or if there’s a life-changing event | Yes, you can adjust coverage |
| What happens if you leave your employer? | Your coverage ends unless there’s an option to convert to individual coverage | Your coverage stays the same because it’s not tied to a job or membership |
| How much does it cost? | Typically, it’s low cost | Typically, it’s a higher cost than workplace coverage |
| Will the cost ever change? | Costs can change every year | Costs stay the same for the duration of your policy |
| Learn more about disability insurance |
