Short-Term and Long-Term
Disability Insurance

Brookfield pays 100% of the cost for Short-Term Disability and Long-Term Disability insurance coverage. These plans are fully insured by Unum.

SHORT-TERM DISABILITY INSURANCE

Short-Term Disability (STD) insurance is a company provided benefit providing benefits-eligible employees with a benefit for each day they are absent due to illness or injury, up to a maximum of 26 weeks in a period of 12 consecutive months.

All active full-time employees are eligible for this plan, unless employed in a state which provides state-covered disability insurance. For more information about this benefit, refer to your Leave of Absence policy, available on the HR Policies section of the Brookfield intranet, or contact your HR representative or the Benefits Department. 


Planning a Leave?

Visit BrookfieldProperties.leavelogic.com to help you make important decisions about your leave. 

LONG-TERM DISABILITY INSURANCE

Long-Term Disability (LTD) insurance through Unum is designed to replace a portion of your income if you become totally disabled and cannot work for an extended period of time. LTD benefits begin after you have been totally disabled for at least 180 consecutive days.

The benefit is equal to 66 2/3% of your base salary up to a maximum of $17,000 per month. A monthly maximum benefit will apply. Payment of the benefit is subject to approval by the insurance company.

Long-Term Care Insurance

Long-Term Care insurance is an additional insurance program Brookfield offers so that employees have the convenience of payroll deduction and discounted group premiums for other coverage required to support their individual and family needs. Long-Term Care (LTC) provides services which help meet both the medical and non-medical needs of people with a chronic illness or disability who cannot care for themselves for long periods.

It is common for Long-Term Care to provide custodial and non-skilled care, such as assisting with normal daily tasks — like dressing, feeding, using the bathroom — by providing a level of medical care that requires the expertise of skilled practitioners to address multiple chronic conditions.
 

  • This policy is owned by the employee and the employee pays 100% of the cost of coverage
  • Employees will have 31 days from the date of hire to request an application for enrollment in this policy through the Benefits Department. Once this 31-day window is missed, the only opportunity to enroll will be during future voluntary program open enrollments which are held periodically
  • Employees may discontinue this policy at any time upon notification to the insurance company and to payroll. To enroll in Long-Term Care, use the step-by-step instructions provided in this link: www.myltcguide.com/technologyservicesgroup 
  • This policy is also portable, meaning that if employment is terminated for any reason, upon termination employees have the right to take the coverage as an individual policy and continue to pay premiums directly to Unum