LTD Options
You have four LTD options to choose from. Coverage provides income protection if you become totally disabled due to illness or injury.
| Feature | Option 1 | Option 2 | Option 3 | Option 4 |
|---|---|---|---|---|
| Benefit as a % of monthly pay | 50% of first $2,500 45% of next $1,500 30% of balance |
Option 1 + cost of living adjustment | 60% of first $2,500 50% of next $2,500 40% of balance |
Option 3 + cost of living adjustment |
| Approximate net income replacement from all sources (including C/QPP) | 65% | 65% | 80% | 80% |