• Short-term Disability

This coverage provides income protection for periods when an employee needs to be away from work for an extended period due to a non-work related disability such as maternity, illness or injury. Short term disability programs help provide partial income protection.

• Long-term Disability

Long-term disability coverage typically begins after the short-term disability coverage period ends. It covers a portion of salary in case an employee is out of work for an extended period because of illness or disability.