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SHORT TERM DISABILITY (STD) INSURANCE

If you are disabled due to sickness or injury, Short Term Disability provides you with an income while you are away from work. You are automatically covered and this is a company paid benefit.

	Coverage
Option 1	66 2/3% of weekly earnings Benefit period - 17 weeks Benefits begin on - 1^st day for accident - 8^th day for sickness Maximum benefit - $2,500/week

■ The total benefit includes other income which includes any salary replacement or retirement benefit which is payable or which would have been payable had you made satisfactory application under a provincial auto insurance law, CPP/QPP Pension Plans or under any government plan recognized by Human Resources Development Canada other than any Workmen’s/Workers’ Compensation Act or similar law.

SHORT TERM DISABILITY (STD) INSURANCE DETAILS

The following is a further description of some of the specific elements of your STD plan.

g Successive Periods of Disability	■ If you return to active work and again become disabled within two consecutive weeks of the first disability resulting from the same cause or related causes it is considered to be a continuation of the previous disability.
g Disability Definition	■ Disability is assessed on the basis of the duties you regularly performed for the employer before disability started. You are considered disabled if, because of disease or injury, there is no combination of duties you can perform that regularly took at least 60% of your time at work to complete. If disease or injury prevents you from performing a duty, it will also be considered to prevent you from performing: 1. others that are performed only in order to complete that duty; and 2. others that can only be performed after that duty is completed.
g Exclusions	■ No benefit is payable: - for the portion of a period of disability you are not under treatment by a physician; - for any disability resulting from intentionally self-inflicted injuries, whether sane or insane; - for any disability resulting from voluntary participation in war, riot or insurrection; - for the portion of a period of disability during a) imprisonment in a penal institution; or b) confined in a hospital, or similar institution, as a result of criminal proceedings; - during any leave of absence; - for a disability which commences on or after the date a strike or layoff begins, subject to any provincial Employment or Labour Standards Act. - for the portion of a period of disability you are eligible to receive benefits under any Workers’ Compensation Law or any similar law; unless due proof is submitted to Great-West Life that you have been disqualified for benefits.
g Subrogation	■ If you are entitled to recover compensation for loss of income from a third party as a result of the incident which caused or contributed to the disability, Great-West Life will be subrogated to all your rights of recovery for loss of income, to the extent of the sum of benefits paid or payable by Great-West Life. You shall execute such documents as required by Great-West Life. Should you choose to settle the matter prior to judicial determination, it is understood that the sum reached in settlement will be deemed to be full compensation for loss of income, and Great-West Life’s right of subrogation will apply. The term compensation shall include any lump sum or periodic payments which you receive or are entitled to receive on account of past, present or future loss of income.
g Termination of Benefit	■ Age 65 or earlier retirement.

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