Disability benefits are governed by a Member’s earnings, as such if your salary has changed, so has the amount you’re insured for under the disability benefits.

Earnings are defined as:

• For LTD: the normal basic remuneration paid to the Employee by the Employer, including any regular overtime pay, bonus or other shift premium forming an integral part of normal remuneration as defined under the Employment Insurance Act, and which is declared to the Insurer by the Employer.