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Why Short Term Disability over EI?

Many companies have Sick Leave policies addressing time off due to illness. When employees continue to be off work beyond the period covered by these policies, many of these employees end up using Employment Insurance (EI), as their income source, until they return to work. In prolonged periods of illness, EI bridges the gap until employees qualify for Long Term Disability – typically 120 days. EI "does the job” but is it the best solution for your company and your employees?

A Short Term Disability plan offers your company the flexibility of choosing an overall benefit maximum and waiting period that satisfies your company’s needs, strengthens your retention strategy, and protects your employees in a cost effective way. Companies providing an insured Short Term Disability benefit to their employees, providing, at minimum, as much as EI, qualify for a reduction in their EI premium rate. Additionally, an insured Short Term Disability plan covers all employees including owners, whereas EI only covers employees.

While the immediate savings on the EI premiums are certainly an attractive advantage, the long term savings realized by an insured Short Term Disability plan are the real advantage. The real savings are realized over the long term, through early intervention at the time of disability. The potential costs when an employee is off due to illness can be many …

  1. Loss of that employee’s production
  2. Increased workload for co-workers
  3. Increased LTD rates potentially

Early intervention can result in shorter disability periods, and gets employees back to work doing what they do best – moving your business forward.

Call us to discuss adding this benefit to your Employee Benefits program. We’ll ensure the details of the STD plan qualify for the EI reduction program and well as your organizational needs.

Colleen Cadez

604 296 3255

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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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