Disability Insurance

The Short Term Disability plan replaces 60% of base salary and commences on the 8th calendar day of absence following a qualifying illness or injury, up to a maximum of 90 days. Maternity benefits provide twelve weeks of paid leave. This benefit is 100% employer paid so when a qualifying disability occurs, the benefit received is taxable.

The Long-term Disability plan replaces 50% of base salary and commences on the 91st day of disability for the duration of the disability, up to age 65. It is 100% employer paid; therefore, the benefit received is considered taxable income. However, employees may elect a “Tax Choice” LTD benefit and pay the imputed taxes on the employer premium in order to receive a non- taxable LTD benefit.