Long-Term Disability (LTD)

Long-Term Disability insurance provides income protection when an employee is unable to work due to illness or injury. LTD is one of the most important benefits an employer can offer, helping employees maintain financial stability while focusing on recovery and returning to work safely.

LTD replaces a portion of an employee’s income if they cannot work for an extended period due to a qualifying disability, whether the condition is visible or not.
This includes

• Physical injuries
• Chronic pain
• Long-term illness
• Mental health conditions

If an employee is unable to work, LTD provides monthly income replacement, helping them cover essential expenses such as housing, groceries, childcare, and medical bills.
This financial security allows employees to focus on treatment, rehabilitation, and long‑term recovery without the added pressure of lost wages.

LTD is typically integrated with:

• Short‑Term Disability (if included), or
• Employment Insurance (EI) sickness benefits, or
• Your internal sick leave plan

This coordinated approach ensures a seamless transition for employees who move from short‑term recovery to long‑term disability support.

LTD protects your employees’ most valuable asset, their ability to earn an income. Offering LTD helps

• Reduce financial hardship for employees facing long term illness or injury
• Support worker recovery and long term wellbeing
• Build employee loyalty and trust
• Improve retention in a physically demanding industry
• Reduce workplace stress by providing predictable, stable support for families

For employers, LTD demonstrates a high standard of care and ensures your benefits plan aligns with industry risks and expectations.

LTD is included within the core suite of group benefits and is designed to work alongside other supports like Extended Health Care, Dental, Life Insurance, and EFAP services, providing holistic care for your employees and their families.

To explore options or tailor a plan for your team, please contact us.

The maximum benefit period for LTD can be customized to fit your plan design:

• 2 years
• 5 years
• To age 65 (most comprehensive option)

Eligibility terminates at age 65 or earlier retirement.