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)||
|Long Term Disability (LTD)||
|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||
|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.
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