If you’re unable to work due to an illness or injury that will last more than 10 days, BMO has you covered. Disability benefits are administered by The Hartford.
BMO’s Disability Leave benefits provide paid time off when you need to be away from work for a longer term absence.
Here’s a high-level overview of Disability Leave. For details, review the Disability Leave SPD.
|Short Term Disability (STD)||
|Long Term Disability (LTD)||
You can elect to purchase supplemental LTD coverage that will provide you with a total of 75% of your base pay (or applicable Benefits Base Rate for certain commissioned employees) while you are disabled.
|Benefits While on Disability Leave||
|Applying for Disability Leave||To initiate a Disability Leave, contact Leave Administration at
1-888-927-7700 within 30 days before your planned leave or as soon as possible following an illness or injury where you expect to be out more than 10 days.
Special rules apply to disabilities resulting from an illness or injury that began before your disability coverage takes effect.
If you have a disability in your first six months of employment due to a