Disability insurance provides financial support if you become ill or injured and unable to work for an extended period of time. You will receive a percentage of your income, as long as you qualify for disability leave under the AECOM plans.
Short-term disability (STD) insurance and long-term disability (LTD) insurance are both required for all AECOM employees.
LTD benefits end when you no longer meet the definition of disability, when you recover or when you reach age 65.
Short-Term Disability Plan
If you’ve been ill or injured for five consecutive business days and are unable to perform your normal work, you may qualify for Short-Term Disability (STD) benefits, which replace 67% of your base pay, for up to 16 weeks (after an elimination period of five business days).
AECOM pays the premium for Short-Term Disability, which means the benefit amount you receive once your STD claim is approved will be taxed as income in alignment with CRA requirements.
How to Submit a Claim
The Plan Member Statement and Disability Insurance Medical Statement (DIMS) (formerly Attending Physician Statement) are required for absences of more than 5 consecutive business days for the same illness or disability. Those two forms are sent directly to Sun Life.
The Short-Term Disability Request Form is returned to the Leave of Absence Partner (Katy.veilleu@aecom.com).
There is a one-week elimination period (5 business days) before STD benefits begin. During this time, you may use paid flexible time-off (FTO) (Project: 04001001, Task: 100, Type: Sick_FTO).
Sun Life, AECOM’s disability administrator, will become the source of your STD payments after the 5-day elimination period.
You do not need to complete timesheets after the first 5 days, unless the leave starts in the middle of the week — in this case, you can use the LOA code for the remainder of the week (starting on day 6): Project: 0400100, Task: 60, Type: LOA (leave without pay).
Starting on day six of the leave, there shouldn’t be any earnings from AECOM as it would be covered by Sun Life under the short-term disability program.
Long-Term Disability Plan
If you are still unable to work after being on approved STD for 17 weeks, you may qualify for LTD benefits.
Your LTD benefits will continue for as long as you are totally disabled (up to age 65) and under the care of a medical doctor.
LTD Benefit Formula
70% of the first $2,000 of your monthly pre-disability base pay
+
55% of the next $1,500 of your monthly pre-disability base pay
+
45% of the balance of your base pay, up to a maximum monthly benefit of $12,000