Short Term Disability (“STD”) benefits can provide income support for a prescribed period of time and are usually capped. These benefits can start as early as one week from the onset of a specific disability resulting in absence from work, and continue up to 52 weeks, depending on the particular group policy guidelines. Long Term Disability (“LTD”) benefits become accessible after what is known as a waiting period, which is usually covered by the STD benefits coverage period.
STD benefits are calculated based on your weekly earnings, while in contrast, LTD benefits are calculated based on your monthly earnings. While STD benefits are not subject to a definition change after a period of time; LTD benefits are subject to the test of “Total Disability”.
In other contracts, “totally disabled” means that a person is unable to perform any occupation including any type of work for which he or she is reasonably qualified by education, training or experience. Your group benefits booklet usually serves to clarify how your contract defines “Total Disability”.
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