Long-term Disability (LTD)

The Long-term Disability (LTD) benefit provides you with a percentage of your salary for the duration of your disability.

Longt-term Disability coverage is mandatory. Two options are available:

· a taxable indemnity equivalent to 66.67% of your monthly salary, rounded up to the next $1, and where the cost is entirely paid with credits

· a non-taxable indemnity equivalent to 60% of the first $2,500 of your monthly salary, plus 45% of exceeding amount, rounded up to the next $1, and where the cost is entirely paid through payroll deductions

Regardless of selected option, your indemnity is indexed on January 1 of each year according to the annuity index published every year by the Régie des rentes du Québec, up to 3% per year.

Salary : gross base salary excluding overtime pay, bonuses and other types of compensation.