Long Term Disability
Long Term Disability is designed to provide employees with an income when they are absent from work for a long period of time due to illness or accident and may never be able to return to work.
This benefit provides a regular income, after a ‘Deferred Period’, that can be co-ordinated with the company’s standard sick pay arrangements.
Waiver of Premium is available to cover other premiums such as life, accidental cover or pension contributions, should an employee be absent from work for a long period due to illness or injury.
Total and Permanent Disability
Total and Permanent Disability is where benefit is paid as a lump sum in the event that the employee is totally, permanently and irreversibly disabled.