This is an important type of coverage for working-age people to consider. The purpose is to provide individuals with protection against financial hardships resulting from disability, sickness, and accidents. The Plan provides continued income during the period an individual is unable to work and receive a regular paycheck up to the age of 65.

Long Term Disability

 Ø 60% and 80% of Salary options available

 Ø $80,000 Maximum Benefit (Dependent upon successful completion of
            the enrollment, application and Actively At Work forms).

 Ø $60,000 Non-Medical limit

 Ø Waiting period options of 13, 26 or 52 weeks

Short Term Disability

 Ø Maximum benefit period of 5 years

 Ø 60% and 80% of salary options available

 Ø Waiting period of 13, 26, or 52 weeks