Aurora Workplace Solutions is based in Saskatchewan and continues to grow and adjust to changing “skies.” We are knowledgeable and up-to-date with the latest industry changes and forecasts. The Aurora Workplace Solutions team is passionate about helping organizations and their employees. Each month, Collin explores a different aspect of group benefits. This series is to help business owners and HR professionals make informed decisions about their employee benefits programs. This month, for Collins Corner, he talks about Long-Term Disability Insurance.

Why Long-Term Disability (LTD) Insurance Belongs in Your Benefits Plan

When most people think of group benefits, they picture dental, vision, and prescription coverage. But there’s one benefit that quietly carries tremendous value: Long-Term Disability (LTD) insurance.

At Aurora Workplace Solutions, we know that offering LTD coverage isn’t just smart business—it’s a powerful way to protect your people and your workplace.

Why LTD Matters More Than You Think

Imagine one of your best employees suddenly facing a serious illness or injury that keeps them off work for months—or even years. Without LTD coverage, they’re on their own financially after short-term benefits run out. That’s a tough burden to carry, both for them and for their family.

LTD replaces a portion of an employee’s income (often around 60–70%) if they’re unable to work due to medical reasons for an extended period of time. It offers peace of mind during one of life’s most stressful moments.

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It’s Not Just for “Dangerous” Jobs

Disability doesn’t discriminate. Back injuries, cancer, mental health conditions, and chronic illnesses are among the top reasons Canadians go on long-term disability—and they can affect anyone in any industry.

Even in an office environment, the risk is real. LTD is a foundation of financial protection that’s often overlooked until it’s urgently needed.

A Business Decision That Builds Loyalty

Offering LTD shows employees that you’ve got their back—not just when they’re at work, but when life throws a curveball. It’s an investment in their well-being, and it fosters loyalty and trust in your organization.

Employees who feel protected and valued are more likely to stay, more likely to refer others, and more likely to perform at their best.

Let’s Talk About the Right Fit

There are many ways to structure LTD coverage; benefit maximums, elimination periods, tax treatment, and more. At Aurora, we help Saskatchewan businesses find plans that strike the right balance of cost and coverage.

Let’s chat about how LTD can fit into your overall benefits strategy. Because protecting your people is always good business.

Until next time,

–Collin Willms 

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Collin Willms   

Group Benefits Expert, Aurora Workplace Solutions

More about Collin

Collin Willms is a seasoned expert in group benefits and retirement solutions, specializing in helping business owners and their employees build comprehensive plans that attract and retain top talent. With over 20 years of experience managing employee benefits and group retirement programs for organizations ranging from self-employed individuals to companies with over 500 employees; Collin has earned a reputation for delivering tailored solutions with precision and care.  

Holding a Professional Financial Planning (PFP) designation, Collin is known for his thorough, informative, and approachable style. As a business owner, he understands organizations’ challenges and takes pride in crafting strategies that meet their unique needs. 

‘Creating Brilliant Futures’

Aurora Workplace Solutions is Your Trusted Saskatoon Group Benefits and Insurance Professionals!