Short Term Disability Protection (Income Replacement)

The Short-Term Disability or Weekly Indemnity benefit is designed to compensate an employee for income lost as a result of short-term absences from work from an accident or sickness. Employers that provide a Short-Term Disability plan qualify for a reduced E.I. premium rate, if the plan meets certain standards established by the Employment Insurance Regulations. Your waiting period will depend on the benefits your employer is able to offer. Some plans start STD immediately, some after other benefits such as sick time have been exhausted. Many people utilize EI Sickness Benefits after completing STD but prior to LTD benefits starting. Most STD benefits last between 6 months and 1 year. Most STD benefits pay 60%-100% of your pre-illness income.

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