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- Short Term Disability: For non-occupational disabilities there is a 0 day Benefit Eligibility Waiting Period if you have been unable to work for 15 days
- (During the first 60 days of continuous disability, we will deduct all sick leave pay and annual leave pay, including donated amounts that you receive or are entitled to receive from your employer.)
- For occupational injuries there is NO Benefit Waiting Period.
- Long Term Disability: For all conditions there is a 365 day Waiting Period.