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Group Insurance Plans
FNIS Group Insurance Association Plan
Weekly Income (Short Term Income)

Insurance that provides weekly payments to the employee (insured), based on the employer’s plan design and subject to policy conditions, maximums and exclusions, when the insured is unable to work as a result of illness, hospitalization or accidental injury.  The elimination period for STD is dependent on the plan chosen by the employer.  The FNIS Association Plan separates the levels of coverage available to Status and Non-status employees.  The different levels of coverage for Plan A Status and Non-status for example reflect an equivalent take-home benefit when the status employee’s income is tax-exempt.  Levels of coverage for Status employee’s include 75% with a 7 day waiting period, 75% with a 14 day waiting period, 60% with a 14 day waiting period and 66 2/3% with a 7 day waiting period.  Levels of coverage for Non-status employee’s include 60% with a 7 day waiting period, 60% with a 14 day waiting period and 66 2/3% with a 7 day waiting period.  Sun Life is the insurer for Short Term Disability.

 

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