The claimant sought entitlement to income replacement benefits. The insurer agreed benefits were payable but asserted that a deduction of gross short and long term disability benefits was needed to calculate the appropriate quantum. The claimant stated that the deduction involved the net of short and long term disability payments. Adjudicator Ian Maedel determined that the gross of STD and LTD benefits was deductible. The IRB quantum was ordered to reflect a deduction of gross STD and LTD benefits.