| There are several optional items : |
| waiting period : 3, 6, 9, 12, 24 months or 1 or 2 months |
| Percent of replacement income |
| Indexation rate of benefit in course of payment |
| Length of the period defined as short term disability : 12,
24, 36 months |
| Age limit for payment of the benefits : 60 or 65 years |