• Premiums are a shared cost between you and the employer.

• The benefit is taxable.

• You have the option to continue your coverage for up to 18 months on an approved leave of absence. The employer will send you a letter to explain all your options while on your approved leave. If you choose to continue your coverage, you would be responsible to pay both employee and employer shares of premiums and provide choice of payment (post-dated cheques). You will need to provide this to the employer within 30 days of starting the leave of absence.

• If you are receiving long-term disability benefits, coverage will end the DAY you turn 65.

For more information in the disability income benefits, visit https://www.3shealth.ca/employee-benefit-plans