Originally Posted by Mizzen wizzen

Looks like the 365-day requirement is only for your first year of employment. Can't get hired and 3 months later go on LTD. Once you've been here a year this restriction no longer applies and you need only cover the 90 days until LTD kicks in.

Max sick bank is 400 hours which gets you 5 and a half months at guarantee IF your sick bank was full. Who has that? 216 in your sick bank gets you to LTD.