Disability Income

Disability income benefits provide financial protection if you're unable to work due to illness or injury. This coverage replaces a portion of your income, helping you manage everyday expenses while you recover. Both short-term (STD) and long-term (LTD) disability options are available, offering peace of mind and financial stability when you need it most.

Note: all claims start in the STD period. If you cannot return to work once the maximum STD period has been reached, you will be automatically considered for LTD approval. 

Disability Coverage

SHORT-TERM & LONG-TERM DISABILITY COVERAGE

Claim Type

Short-Term*

Long-Term

Coverage Amount

66% of base earnings.

Salaried Employees: 66.7% of the first $2,250 of base monthly earnings, plus 50% of the balance. Maximum: $9,000/month.

Hourly Employees: 50% of base monthly earnings. Maximum: $7,000/month.

Maximum Benefits Period

182 days

Duration of disability

Waiting Period

5 business days

182 Days (STD period)

Termination of Coverage

Upon termination of benefits eligibility.

Upon termination of benefits eligibility, retirement, or 65 years old.

*Benefit payment amounts will be calculated beginning on the sixth consecutive business day of absence, based on assigned/regular work schedule. Please contact your HRBP for the STD Policy.

To submit a claim, please contact your HR Business Partner. 

Premiums and Tax Status

Short-term disability benefits are provided 100% by Samuel Son & Co. As an employer paid benefit, any benefit payment amounts received are taxable. If applicable, any benefit payment amounts for the year will be included in your annual T4 statement issued by the company in the following calendar year. 

Long-term disability premiums are 100% employee paid. Monthly premium amounts are calculated in accordance with your base earnings and are collected through payroll deductions. LTD benefits have been set up to be non-taxable; this means that any benefit payment amounts received do not have to be claimed as income for tax purposes.

Disability Income

Disability Coverage

Premiums and Tax Status

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