Employees who become unable to work as a result of a sickness or injury will often have access to group disability insurance. Many employers obtain group policies from insurance companies such as Manulife, Sun Life, Great-West Life, and Desjardins. The policies are for the benefit of employees and are designed to provide them with short-term disability (STD) and long-term disability (LTD) income replacement benefits in the event they can no longer work.

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