What the plan covers

• While working under age 65: 1 x salary (max. $130,000).
• If working at age 65 or older: 1/2 x salary (max: $50,000).

Who the plan covers

Member only.

Who pays for coverage

McGill pays the full cost.

If you leave McGill before retirement

Coverage continues for 31 days.

You may convert up to $200,000 to an individual policy within 31 days of your termination (includes coverage under the optional plan).

If you become disabled

Coverage continues at no cost while you are eligible for benefits under the McGill LTD Plan.

If you die

Tax-free benefit payable to your beneficiary(ies).