Disability Guide

There are a number of steps an employer must take when an employee becomes disabled, here is a guide to help you through the necessary actions you are required to take when an employee is off work due to a health or injury disability. 

Weekly Indemnity

• Contact our service centre immediately
• Weekly indemnity claims need to be completed no later than 90 days after the date of disability

Long Term Disability 

• Contact our service centre after 60 days of the date of disability
• LTD claim forms must be completed after 90 days of the disability

What's Next?

• An assessor might call to discuss the duties of the insured and a possible return to work date
• Underwriting will send an edited version of the approval or denial letter for your records
• If the claim is approved, the plan will waive the disability premiums for the first day of the month following six months of disability