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Short Term Disability insurance provides employees with an income if they have a sickness or injury that prevents them from working.  

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It provides you first dollar cash benefits to do with as you see fit.   

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There are 2 short-term disability plans to choose from, a 13 or 26 week benefit period.  

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Your benefits start within days of the illness or injury and are payable for up to the elected period of time.  

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Your weekly benefit amount cannot be greater than 60% of your annual salary.


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Benefits are not payable if your disability is due to a pre-existing condition, and you became disabled during the first 6 months your insurance is in effect. 

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A pre-existing condition is a sickness or accidental injury for which, during the 3 months immediately before the effective date of your insurance or increased amount of insurance, 

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you did one or more of the following: received medical treatment, care, services or advice; or took prescribed drugs; or had medications prescribed.