In the Long Term Disability Plan policy, this term refers to a "waiting period” before LTD benefits can begin and usually coincides with the period of time during which Sick Leave benefits are payable, although there are some exceptions. The elimination period begins with the first full day of total disability and ends
- after a period of total disability of 66 working days, or
- on the last day that a benefit under any loss of income or salary continuance plan is payable, if earlier.
If your total disability starts while you are on strike; temporary layoff; an approved leave of absence without pay; or a period of absence recognized as the normal non-work period if you are working a reduced workload or partial year; the elimination period begins on the date you would have normally been scheduled to return to work.
If you are considered to be a reduced workload or partial year employee, and your total disability starts while you are actively at work and continues until the date recognized as the non-work period, the elimination period will be suspended, if not yet completed, and will restart on the date you would have normally been scheduled to return to work.
If your total disability starts while you are on an approved leave of absence with pay, the elimination period begins on the date you become totally disabled.
In the case of pregnancy, the elimination period starts on the earlier of the date pregnancy terminates and the date the employee is totally disabled.