Disability
Short-Term & Long-Term Disability CoverageDisability Coverage
Michaels offers you disability insurance to replace part of your income if you are unable to work for an extended period of time.
Short-Term Disability (STD)
The short-term disability (STD) plan provides income protection if you cannot work due to an illness or non-work-related injury.
Michaels provides this benefit at no cost to all eligible full-time Team Members. Coverage depends on whether you are a full-time Salaried or Hourly Team Member. You can file a claim if you have completed the waiting period, are working the required 32-hour average, and are enroled in the STD.
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STD Coverage for Full-Time Salaried Team Members
If you are a full-time salaried Team Member, STD replaces 100% of pay for the first 17 weeks of disability.
| HeaderPercent of Earnings Replaced | How Long Benefits Are Paid | Waiting Period |
| Header100% of weekly earnings | Up to 17 weeks | 7 consecutive days |
Full-Time Hourly Team Members
If you are a full-time hourly Team Member, STD replaces 66.67% of pay, up to $1,000 per week, for the first 17 weeks of disability.
| HeaderPercent of Earnings Replaced | Maximum Weekly Benefit | How Long Benefits Are Paid | Waiting Period |
| Header66.67% of weekly earnings | $1,000 | Up to 17 weeks | 7 consecutive days |
Long-Term Disability (LTD)
If you are eligible for Extended Health, long-term disability (LTD) coverage is mandatory. After your short-term disability (STD) benefits end, you may be eligible to receive LTD benefits.
| HeaderPercent of Earnings Replaced | Maximum Monthly Benefit | How Long Benefits Are Paid | Waiting Period |
| Header60% of base monthly earnings | $10,000 | Until you reach age 65 or are no longer disabled | 17 consecutive weeks |
Claims
To request a Leave of Absence (LOA) or file a disability insurance claim, either call CBML at 1-844-636-9622 or visit cbml.ca/michaels.
Helpful Resources
Provider
Canada Life
Medical, Dental, Disability, Life & Critical Illness
Contact
Phone: 1-800-957-9777
TTY: 711