If you are ill or injured and cannot work for an extended period, medical coverage will help with the cost of your care, but not with household and living expenses such as rent, mortgage, utilities and groceries. That’s where Short-Term (STD) and Long-Term Disability (LTD) coverage can help – they can provide you with a portion of your pay if you become disabled and are unable to work.

  • Short-Term Disability (STD)

    Short-Term Disability (STD) is available at no cost to you for a maximum duration of 26 weeks. The first nine weeks are paid out at 100% of your base pay and the remaining 17 weeks are paid out at 60% of your base pay.

  • Long-Term Disability (LTD)

    Long-Term Disability (LTD) protects you if you are still disabled when STD ends. You are automatically enrolled, at no cost to you, for LTD coverage at 50% of your Benefits Base Rate. Note that you have the option to purchase additional LTD coverage up to a maximum monthly benefit amount of $25,000. You may elect or cancel the buy-up LTD benefit during Annual Enrollment.

John Hancock and Manulife Financial reserve the right to modify or amend, at any time and in any way whatsoever, the terms of these plans, including eligibility requirements, and to terminate the plans completely.