Short Term Disability Coverage (Weekly Indemnity)

This coverage provides salary replacement benefits should you become disabled as a result of injury or sickness, require the attendance of a specialist, and unable to perform the usual and customary duties of your occupation. Your employer has two options for short term disability.

Check with your employer to find out if short term disability coverage is offered and which of the following two options you have.

OPTION 1

  • Your benefit is calculated at 60% of your weekly salary, to a maximum weekly benefit of $1,535, or 85% of your pre-disability net salary, whichever is less. This benefit is non-taxable.

OPTION 2

  • Your benefit is calculated at 70% of your weekly salary to a maximum weekly benefit of $1,535 or 85% of your pre-disability gross salary, whichever is less. This benefit is taxable.

Your benefits will commence on the 1st day if your disability is due to injury and the 8th day if your disability is due to sickness.

Benefits are payable for a maximum of 17 weeks but will terminate if you retire, take another job, refuse to take a medical examination or participate in a rehabilitation program, or on your 65th birthday.

Benefits will be adjusted for any disability benefits you may receive from Workers’ Compensation or Canada Pension.

Your claim must be made within 90 days from your disability.