Long Term Disability (LTD) insurance is designed to pay a monthly benefit to you in the event you cannot work beyond the 90 day benefit waiting period because of a covered illness or injury. This LTD benefit replaces a portion of your income, helping you to meet your financial commitments in a time of need.

As a benefits-eligible employee, you may enroll in the Long Term Disability (LTD) program, starting with your first day of work.

If your LTD claim is approved by The Standard, LTD benefits become payable at the end of the 90 day benefit waiting period. No benefits are payable during the benefit waiting period. The monthly LTD benefit is based on your earnings from APS. Your monthly LTD benefit is 60% of the first $8,333 of your monthly earnings.* The maximum LTD benefit is $5,000 per month.