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.

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%

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.

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.

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.

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

What types of workplace disability are there?

More on disability insurance

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