Learn how elimination periods impact insurance costs and benefits. Discover tips for choosing the right waiting period for ...

For Canadians on long-term disability (LTD), a reassessment often occurs at the two-year mark. Insurance companies use this opportunity to determine if an individual is still “totally disabled” under ...

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Short-Term Disability Insurance (STD) replaces a portion of your pay if you cannot work due to an illness or injury. The STD plan pays a benefit to replace 66.67% of your pre-disability income.

Should a serious illness or injury prevent you from working on a partial or total basis for an extended period of time, you may be eligible for long-term disability (LTD) benefits, paid by the college ...