If you have a disability, contact your human resources associate or personnel assistant.
You should not wait until all of your sick leave is exhausted before applying for LTD. You should apply for LTD benefits as soon as possible. If you are able to return to work before you satisfy your waiting period, you can cancel or withdraw your application for LTD benefits.
The Standard strives to make a determination before benefits would start to be payable (assuming approval of the claim). In general, it usually takes The Standard six to eight weeks after an LTD application is received to arrive at a decision. Depending on the specific factors in each case, this timeframe can vary considerably.
For more information about your coverage, please contact your human resources associate.