Short-Term Disability & Long-Term Disability

Short and Long Term Disability offered by Synuity, is an important aspect if you have an employee that is suddenly injured off the job. Chances are, the injured employee would want to know if they will still have some sort of income while they’re away from the job. That’s where short and long term disability programs come in.

Short and long term disability insurance are the type of plans that pay a percentage of an employee’s salary for a specified amount of time, if they are ill or injured, and cannot perform the duties of their job. Disability insurance replaces the income of someone due to their inability to work, be it from injury, pregnancy, medical condition, or accident. The important thing to note is that the injury, condition or accident would be from their personal life and did not happen in the workplace.

There is a key difference between disability insurance and workers’ compensation. The difference is "where" the illness, accident, injury, or condition occurs.

Short-Term Disability

  • Replaces a portion of your income due to sickness, pregnancy, or accidental injury.

  • Benefit amount of 60% of pre-disability earnings.

  • Maximum weekly benefit of $1,000.

  • Elimination period of 7 days for injury or sickness including pregnancy.

  • Benefits continue for as long as you are disabled up to 12 weeks maximum.

Long-Term Disability

  • Replaces a portion of your income due to sickness, pregnancy, or accidental injury for an extended period of time.

  • Benefit amount of 60% of pre-disability earnings.

  • Maximum monthly benefit of $6,000.

  • Elimination period of 90 days for injury or sickness including pregnancy.

  • Benefits continue for as long as you are disabled up to 24 months maximum.

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