Disability Guide

There are a number of steps an employer must take when an employee becomes disabled, here is a guide to help you through the necessary actions you are required to take when an employee is off work due to a health or injury disability. 

Weekly Indemnity

  • Contact our service centre immediately
  • Weekly indemnity claims need to be completed no later than 90 days after the date of disability

Long Term Disability 

  • Contact our service centre after 60 days of the date of disability
  • LTD claim forms must be completed after 90 days of the disability

What's Next?

  • An assessor might call to discuss the duties of the insured and a possible return to work date
  • Underwriting will send an edited version of the approval or denial letter for your records
  • If the claim is approved, the plan will waive the disability premiums for the first day of the month following six months of disability

Disability Insurance

Easing the Financial Burden of a Work Absence

Disability insurance, whether short or long term, gives employees a financial cushion in the event they become disabled due to an injury or illness and are unable to work for a period of time.

Although health insurance will typically cover the costs of treating an injury or illness, the vast majority of people will have a difficult time paying for basic necessities, plus costs of living, if they aren't able to work.

Disability insurance under the Chambers Plan provides employees with weekly or monthly income replacement and can replace from 60% to 75% of an employee's earnings.
 

Comprehensive Protection: Short Term & Long Term Disability Insurance

Two forms of Chambers Plan disability insurance are available:

Short Term Disability Insurance (Weekly Indemnity) replaces an employee's salary if they are unable to work due to injury or illness for up to six months. Benefit maximums range from $800 to $1,200 per week of income replacement.

Long Term Disability Insurance replaces salaries for employees who are disabled for an extended period of time due to illness or injury. Monthly benefits of up to $7,000 are payable for up to 2 years, 5 years or to age 65.