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Long Term Disability

This benefit offers income replacement against long term loss of income due to injury or illness. This benefit is a core benefit and is typically designed to integrate with our Short Term Disability protection, but can also coordinate with Employment Insurance or a sick leave plan.

Long Term Disability insurance commonly includes:

  • Benefit amount can be based on a percentage of monthly income or a flat monthly benefit amount
  • The monthly maximum benefit available depends on the size of your group
  • Worker's Compensation, no-fault auto insurance, group retirement or pension plan and primary CPP/QPP payments are direct benefit offsets

It's important to note that the disability definition is commonly based on the '2-year own occupation' definition. This means that the employee is considered disabled for his or her own occupation during the first 2 years of disability and thereafter is considered disabled for any occupation that is suitable by virtue of past training, education or experience. Some restrictions apply with respect to pre-existing medical conditions.

The taxable status of the LTD benefit is determined by whoever pays the premium. If the employees pay 100% of the premium, the benefit amount in the employee's hands is non-taxable if they become disabled. When the employer pays the premium (or any portion of the premium) the benefit is taxable when collected. Note that this applies to the employee group as a whole. All employees insured in the applicable class must pay the LTD premium in order for the benefit amount to be tax-free.

Short Term Disability

Short Term Disability or Weekly Indemnity insurance, as it is often called, provides employees with protection against short term loss of income due to injury or illness. We offer competitively priced Short Term Disability as an optional benefit you may wish to add to your benefits solution. 

Some of the most common features of Short Term Disability Insurance that can be formulated to meet your needs include:

  • Different options for the waiting period are available. Benefit payments usually
         begin on the 1st day of disability for an accident and the 8th day for sickness.
  • Maximum benefit duration is typically 17 weeks
  • Benefit amounts are usually 66 2/3% of weekly income, but other option are
  • Coverage terminates at the earlier of age 65 or retirement

     To get a quote or to find out more information, please contact us at:

    1 800 665 1077

    604 683 7353

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    The government of Manitoba has announced a reduction of the retail sales tax (RST) from 8% to 7% effective July 1, 2019. If you have employees who live and work in Manitoba, you will notice a reduction in taxes charged for these individuals on your July 1, 2019 bill.


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