Coverage when it counts
Protect your business and support your employees with short-term and long-term disability plans
What are disability benefits?
There may be times when a disability causes an employee to be unable to work. To help both your employees and your business through times like these, we offer 2 types of disability plans - short-term disability (STD) and long-term disability (LTD).
Why offer disability benefits?
Disability coverage offers your employees the financial and emotional support they need to recover and return to work.
Offering the right support at the right time can help keep your employees and your workplace healthy and productive, while still supporting those employees who need to be absent because of a disability.
It can also help to prevent claims altogether, with some plans offering tools and online resources available to support employee wellbeing.
With you every step of the way
We’re as committed to your employee’s wellbeing as you are. Our disability plans take a holistic approach to preventing disability and managing claims:
We offer resources and support to help employees stay healthy and prevent health-related absences.
We’ll work with employees who have made a claim to help them recover and get back on the job.
Return to work
Support is available to help employees return to work after a short-term or long-term absence.
Dedicated claims support
Our dedicated support teams are available to help your employees with every stage of a short-term or long-term disability claim:
Quick response times
Our case managers will contact you and your employee quickly to gather information and details about absences.
Dedicated case managers
One person will handle your employees’ case from start to finish to help ensure nothing falls through the cracks.
Disability benefits can help provide your employees a source of income if they are unable to work due to an illness, accident or injury.
A closer look at our disability plans
Short-term and long-term disability benefits plans can work together to help provide your employees the coverage they need if they’re unable to work because of disability.
Short-term disability (STD)
|Long-term disability (LTD)|
What does it cover?
|Absences of up to 6 months||
Absences of 6 months or longer|
|How much of your employee’s salary does it replace?||Between 55 to 80% of their income||
Between 60 to 80% of their income|
|Other advantages|| || |