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). 

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:  

Our experts can help you figure out an approach that works for your business.

Our dedicated support teams are available to help your employees with every stage of a short-term or long-term disability claim: 

Our experts can help you figure out an approach that works for your business.

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	Benefits can be non-taxable if the premium is 100% employee paid Any benefits paid are taxable when you pay part of the premium Can help lower your EI premiums	Benefits can be non-taxable if the premium is 100% employee paid Any benefits paid are taxable when you pay part of the premium

View and manage your plan and employee claims through GroupNet for Plan Adminstration. 

Related to disability plans for your employees