Short and Long Term Disability

VMware offers Short and Long Term Disability Insurance to full-time, regular employees as of your hire date.

Short Term Disability Benefits

Weekly Benefit: 75% of weekly benefit salary with a maximum weekly benefit up to $3,000
Benefit Payments:
- If you are absent from work due to an illness or sickness, you are eligible for short term disability benefits after an absence of five (5) consecutive working days
- If you are absent from work due to an injury or hospitalization, you are eligible for short term disability benefits immediately
Benefit Payment Duration: Seventeen (17) weeks
Premiums will be covered by VMware

Applying for Short Term Disability

Inform your manager of your leave as soon as reasonably possible. This will allow adequate time for the proper arrangements to be made prior to your leave period.
Open an HR Source ticket [VMware network access required] to report your Leave. Please include your leave start date and approximate return to work date.
Complete the Disability Claim Form pages 1-3 and return it to RBC using the instructions on page 3 on the form. Any delay in providing this information could result in a delay in claim processing and delay of any possible payments.
Send Attending Physician’s Statement pages 5-6 to your medical provider.

Returning to Work

Once you return to work, open an HR Source ticket [VMware network access required] confirming your leave end date and return to work date. This is important for payroll purposes.

Important Note: If you are on short term disability for longer than 17 weeks, your disability will become a long-term disability claim. RBC will send you additional documentation with long term disability payment information.

When Coverage Ends

Your coverage terminates when your employment ends, you are no longer eligible, or you retire, whichever is earliest.

Long Term Disability Benefits

You must be actively at work when coverage takes effect, otherwise the coverage will not be effective until you return to work.

You will be responsible for LTD Premium payment. LTD Benefits are non-taxable.

Coverage Table

Class	Eligibility	Monthly Benefit
1	All permanent full-time employees with a base salary of $140,000 or more annually	Basic monthly benefit is 66.67% of the first $2,250 of pretax monthly earnings plus 50% of any portion of pretax monthly earnings in excess of $2,250 less the sum of $5,000 and 100% of direct deductible sources of income to a max of $10,000; plus $5,000 of professional monthly benefit
2	All permanent full-time employees with a base salary more than $120,000 and less than $140,000 annually	Basic monthly benefit is 66.67% of the first $2,250 of pretax monthly earnings plus 50% of any portion of pretax monthly earnings in excess of $2,250 less the sum of $3,000 and 100% of direct deductible sources of income to a max of $10,000; plus $3,000 of professional monthly benefit.
3	All other permanent full-time employees	Basic monthly benefit is 66.67% of the first $2,250 of pretax monthly earnings plus 50% of the next $17,000 of pretax monthly earnings less 100% of direct deductible sources of income to a maximum of $10,000

Termination of Coverage

Your coverage under the policy or a plan ends on the earliest of:

The date the policy or a plan is cancelled;
The date you no longer are in an eligible group;
The date your eligible group is no longer covered;
The last day of the period for which you made any required contributions;
The last day you are actively employed except as provided under approved leave of absence provisions; or
Your 65th birthday.

In the event your employment is terminated by VMware, and VMware has not provided you with written notification of your termination, coverage will be extended for the period of notice as required by federal or provincial employment standards legislation. In no event will your coverage extend beyond the date this policy terminates.

If you work and reside in Quebec, your coverage will terminate automatically and without notice as soon as anything happens which otherwise would cause RBC Insurance to violate the Revised Statutes of Quebec, Chapter A-29.01, as amended.