Absence & Disability Management





What is WellConnected®?

WellConnected
® is Commonwealth Financial's suite of disability and absence management products and services, that is provided to you by your employer sponsored Group Benefits plan.

When it comes to disability and absence management, our focus is on promoting health - physical, social and emotional well-being that we believe helps to generate energy for every-day life and assist you with a successful return to work.

When you become disabled because of an illness or injury, and you need to overcome the medical impairments that may prevent you from productive work and an enjoyable lifestyle – our products, services and network of experts - are there to assist you every step of the way.

At Commonwealth Financial, we understand that when disability strikes, it can be a time of great stress and the unknown for you, your family and your employer. That's why WellConnected® helps to provide the financial protection, tools and support that allow you to focus on getting healthy so you can recover and get back to a normal routine as soon as possible.

As you read on, you will find useful information about our products and services that will help you to better understand what is available to you through your employer sponsored benefits*.

* Please refer to your benefits booklet for specific details related to your plan

Did you know?

  • That the average work days lost in a year per employee due to illness or disability is 8 days 1
  • that at any time, 1 in 20 employees can experience some form of depression 2
  • lost productivity due to mental health issues costs the Canadian economy more than $14 billion per year 2

1 Statistics Canada CANSIM table 2006
2 The Canadian Mental Health Association

What does WellConnected® include ?

WellConnected® is a suite of absence and disability management products and services offered by Commonwealth Financial under your employer sponsored Group Benefits plan, and may include the following:

Short Term Disability

Short term disability provides income replacement when you, as an employee, become ill or injured and are not capable of performing the essential duties of your own occupation. Benefit payments, offered through your employer sponsored plan, are made to you based on Manulife's evidence-based adjudication. For complex claim situations, we also provide additional support to manage the duration of your absence and promote a safe and timely return to work.

Long Term Disability

Long term disability provides income replacement when you, as an employee, become ill or injured and are not capable of performing the essential duties of your own occupation for an extended period of time. Benefit payments and eligibility, provided through your employer sponsored plan, are determined through Manulife's evidence-based adjudication. For complex claim situations, we also provide additional support to manage the duration of your absence and in turn promote a safe and timely return to work. Rehabilitation is another important tool that is used to support you during the return to work process.


For more information about short or long term disability programs offered by your employer, please refer to your benefits booklet, speak to your employer or plan administrator or call the Commonwealth Financial Group Benefits Customer Service Centre.




One company. One network of absence-to-disability management expertise.

More in this category: Emergency Travel Assistance »