Long-term Disability

Long-term disability (LTD) benefits are intended to supplement a portion of your salary during the period when you are unable to work due to illness, injury, or a degenerative condition. You must be unable to work and be under the regular care of a physician in order to apply.

Long-term Disability

LTD Insurance Requirements

There is an elimination period for LTD coverage, meaning that there is a waiting period before payments begin. You must be unable to perform the essential duties of your occupation, and not working at any other job. For midwife plan members, you must be unable to perform the essential duties of any occupation for which you are, or could be, qualified.

Health and dental coverage may be retained or discontinued while on disability leave. If you choose not to continue these benefits, you will need to reapply within 31 days of returning to work.

All members have access to LTD coverage if unable to work for a long period due to injury or illness if eligible. Login to Understanding your plan to find out what’s available for you, or contact us for more information.