Long Term Disability is one key component of your benefits package. This component is designed to assist members and their families with an income during periods of extended absence from work due to illness or injury.
Before you are eligible to receive benefits, several criteria must be met:
Your disability must be medically documented and you must currently be under the care of a medical doctor.
Your illness or injury must span the elimination period of 100 consecutive work days. Typically, income loss during this time period is covered by Short Term Illness (STI).
You must be totally disabled. For the 24 months after the elimination period, you must be totally disabled from your own job, and thereafter, from any occupation, as defined in the LTD Plan Document.
Please select from the menu to your left for more detailed information.
If you have questions about a current claim, please contact our Claims Administrator. Otherwise, please email us your question at
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