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 Matrix Absence Management.​

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)
  • Replaces 70% to 100% of your base pay (or applicable Benefits Base Rate for certain commissioned employees) for 100 days, depending on your years of service.
  • Generally, STD benefits become payable after 10 consecutive business days of non-work related disability.
  • The 10-day waiting period prior to STD benefits starting is
    unpaid unless you want to use available paid sick or vacation time.
Long Term Disability (LTD)
  • Replaces 60% of your pre-disability base pay (or applicable Benefits Base Rate for certain commissioned employees) as of the last business day before your disability began.
  • LTD benefits begin after 110 consecutive business day of non-work related disability.
Supplemental 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
  • Your benefits coverage will continue during your STD leave and premiums will continue to be deducted from your pay.
  • If your pay doesn’t cover your benefit deductions, your premiums will accumulate in arrears. When you return from leave, your regular deductions will resume and any arrears will be collected at a rate of one additional deduction per pay until your balance is zero.
  • You may be billed directly for missed premiums depending on the amount you owe and expected length of your leave.
  • If you transition to LTD, you may still be eligible to continue your benefits coverage. You will be billed directly for your premiums.
Applying for Disability Leave

To initiate a Disability Leave, notify your supervisor then contact Matrix Absence Management to file a claim:

You’ll receive an Absence Packet within 24 hours of requesting leave. For details, review How to File a Leave of Absence or Disability Claim.

Pre-existing conditions

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 pre-existing condition for which you received medical care three months prior to your coverage effective date, LTD benefits will not be paid for that condition.