DEFINITION: Short-Term Disability (Canada)Short-Term Disability refers to a type of insurance coverage that provides income replacement for individuals who are unable to work due to a temporary illness or injury. This coverage typically lasts for a predetermined period, generally ranging from a few weeks to several months.
FAQs:
1. Who provides short-term disability benefits in Canada?
In Canada, short-term disability benefits are usually provided through employer-sponsored group insurance plans or government programs such as the Employment Insurance (EI) Sickness Benefits.
2. How long can I receive short-term disability benefits in Canada?
The duration of short-term disability benefits can vary depending on the specific policy or program. Typically, individuals can receive benefits for a maximum period of 15 weeks under EI Sickness Benefits, while employer-sponsored plans may offer coverage for a few weeks to several months.
3. Do I need to pay premiums for short-term disability coverage in Canada?
For employer-sponsored plans, premiums are often shared between the employer and the employee. The specific cost-sharing arrangement may vary depending on the employer’s policy. However, government programs like EI Sickness Benefits are funded through mandatory contributions from employees and employers.
4. Do I need to meet any eligibility criteria to qualify for short-term disability benefits in Canada?
Yes, to be eligible for short-term disability benefits, individuals must typically meet certain criteria, such as being unable to work due to a medically certified illness or injury, being employed and actively contributing to the EI program (in the case of EI Sickness Benefits), and meeting the minimum required hours of work or contribution period.
5. How much will I receive in short-term disability benefits?
The amount of short-term disability benefits you will receive varies depending on the specific policy or program. In Canada, EI Sickness Benefits are typically calculated as 55% of your average weekly earnings, up to a maximum amount determined by the government. However, employer-sponsored plans may have different benefit structures.
6. What documents do I need to support my short-term disability claim in Canada?
To support your short-term disability claim, you will typically need to provide medical documentation from a healthcare professional certifying your illness or injury, as well as any other supporting documents required by the specific program or insurance provider.
7. Can I appeal a denied short-term disability claim in Canada?
Yes, if your short-term disability claim is denied, you have the right to appeal the decision. The specific appeal process may vary depending on the program or insurance provider, but it typically involves submitting additional documents or providing further clarification regarding your condition.