Income Protection

Voluntary Benefits

Short-Term Disability & Long-Term Disability

These benefits can help replace part of your income if an illness, injury, surgery, pregnancy, or recovery period keeps you from working.

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Shorter Recovery Period

Short-Term Disability Insurance

Helps replace part of your income for a limited period of time if you are unable to work due to a covered illness, injury, surgery, or pregnancy.

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Extended Absence

Long-Term Disability Insurance

Helps replace part of your income if a serious illness or injury keeps you from working for an extended period of time.

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Why income protection matters

Your paycheck helps cover everyday expenses like housing, utilities, groceries, transportation, and family needs. If you are unable to work, disability coverage can help reduce the financial stress of missing income.

Helps replace part of your paycheck
Supports everyday expenses during recovery
Can help during illness, injury, surgery, or pregnancy
Provides added financial stability when you cannot work

Example

You need time to recover after surgery.

Short-Term Disability may help replace part of your income while you recover and are temporarily unable to work.

Example

A serious condition keeps you out longer.

Long-Term Disability may provide income support if a covered illness or injury keeps you from working for an extended period.

Still not sure where to start?

Use the Best Fit tool to see which voluntary benefits may match your needs.

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