We give employers flexible options for when they select the plan. Our disability plans provide comprehensive benefits to assist employees during short- or long-term disability. These plans safeguard a portion of income. They might include a Work Incentive Benefit, allowing employees to receive up to 100% of pre-disability earnings through a combination of benefits and part-time earnings. Additionally, we offer a Vocational Rehabilitation Incentive which includes up to a 20% incentive benefit to help accommodate return-to-work. With our claims process, we provide a holistic experience, making sure employees feel fully supported throughout the process. You can check your Certificate of Coverage found in your portal for details. 

Disability insurance can be an important part of your financial safety net. If you find yourself unable to work due to sickness, injury, or recovery from childbirth, our disability insurance helps replace a portion of your income, allowing you to focus on your recovery without added financial stress.

Our short-term disability benefits are typically paid weekly, providing timely support, while long-term disability benefits are paid monthly, offering continued assistance during longer recovery periods.

There is no out-of-pocket payment required for enrollment. If any portion of the plan premium is paid for by the employee, your employer will conveniently deduct the amount from your paycheck.

Your disability benefits will typically cover a portion of your paycheck to help you meet your financial needs while you are away from work. These benefits are usually paid out weekly for short-term disability and monthly for long-term disability.

Our plans include many ways to support you during disability so that when you are able, you’re ready to return to work. Plan designs vary but examples of these may include work incentives, vocational rehabilitation incentives, and optional benefits to cover dependent care expenses, for example. Our long-term disability plans also include an Employee Assistance Program (EAP) by TELUS Health at no additional cost to you and provide services like confidential, free counseling and resources for mental health, work-life balance, and legal and financial matters. 

Your online Pacific Life Portal gives you the ability to manage all your benefits in one convenient location. After you enroll, you’ll receive an email invitation with a link to create your account. If you need additional support, call us at (855) 810-3301. Once your account is set up, you can sign in.

You can start a claim by calling us at (855) 810-3301. We use an innovative event-based claims approach to automatically create all applicable claims from one intake, ensuring we maximize your benefits. This saves you considerable time by eliminating the need to enter duplicate information. As you begin, it may be helpful to have certain information ready including names and contact information for doctors, treatment dates, and your last day worked.

If you have a surgery planned or know when your baby is due, it’s a good idea to file your disability claim as early as possible. We suggest doing this at least 30 days before the expected date. This helps ensure everything is processed in time, so your benefits are ready when you need them.

Your disability payments vary depending on the plan design. Typically, short-term disability payments are made weekly, whereas long-term disability payments are commonly made monthly. These payments may include direct deposit or check by mail.

If your plan includes this benefit, Pacific Life waives your premium payments while you are on disability. This means that during the period you are receiving disability benefits, you do not need to make premium payments for your disability insurance.

Disability benefits might be taxable, depending on how the premiums are paid. If your employer paid the premiums or you paid with pre-tax dollars, the benefits are usually taxable. If you paid with post-tax dollars, the benefits are generally not taxable. Check with your employer to confirm how your premium is paid and learn more about the taxability of your benefits.

When you leave the company, you may be eligible to continue coverage. You can check your Certificate of Coverage found in your portal for details. If your coverage terminates, you will be notified of all options that may be available to you.

If you have Pacific Life employee benefits insurance, you chat with us in your portal or contact us at (855) 810-3301 with any questions. We are here to help you get the most out of your Pacific Life benefits.