Income Continuance (optional)

Short-Term Disability (STD) insurance provides partial replacement of lost income if an employee is temporarily unable to work due to becoming totally disabled. It covers injuries and illnesses not related to work, and bridges the period until the employee is able to return to work or until long-term disability benefits start.

Long-Term Disability (LTD) insurance assures financial assistance if an employee cannot work for an extended period because of being totally disabled. It supplements disability benefits available from government programs such as the Canada or Quebec Pension Plan and Workplace Safety and Insurance Board.

To find out more, complete the request for information form.