Ontario Disability Support Program - Employment Supports Directives

Size: px
Start display at page:

Download "Ontario Disability Support Program - Employment Supports Directives"

Transcription

1 Ontario Disability Support Program - Employment Supports Directives Workplace Accident Insurance Coverage Legislative Authority Not applicable Summary of Directive To outline coverage available for work-related injury or illness and to identify actions to be taken when a client has a work-related injury or illness while participating in an ODSP Employment Supports workplace training placement. Intent of Policy To ensure clients and the employers who provide workplace training are protected in the event of a workplace accident or illness and to outline the responsibility of ODSP Employment Supports staff and service providers when a claim is made under the Workplace Safety and Insurance Act or Ontario's Accident Insurance Plan. Application of Policy Where clients participate in workplace training in a work environment arranged by the service provider, claims arising from a work-related injury or illness are covered by either the Workplace Safety and Insurance Act, 1997 or Ontario's Accident Insurance Plan. Where the employer is required to carry coverage under the Workplace Safety and Insurance Act, 1997, clients in a paid work placement are considered to be employees and would be included under the employer's regular WSIB coverage. Clients participating in an unpaid training placement (e.g. job trial or work experience) with an employer are also extended WSIB coverage, but any costs incurred as a result of a work-related accident or illness are paid by the Ministry. Where the employer is not required to carry coverage under the Workplace Safety and Insurance Act, 1997, the client is Page 1 of 5

2 Coverage for Workplace Safety and Insurance Benefits - Unpaid Placements Clients participating in an unpaid work/ training placement with employers who are required to carry Workplace Safety and Insurance coverage are covered under the Workplace Safety and Insurance Act, The costs of any workplace safety and insurance benefits paid to the client by the Workplace Safety and Insurance Board (WSIB) will be charged to the Ministry. If an accident occurs while a client is attending an unpaid work/ training placement, the following occurs: The client must inform the employer immediately of the accident. The employer gives the client a Workplace Safety and Insurance Treatment Memorandum (Form 156) to be completed by the doctor or hospital department providing the initial treatment. The employer notifies the service provider who informs the ODSP Employment Supports staff of the accident. The ODSP Employment Supports staff completes the first part of the Letter of Authorization, outlining Ministry information, the name of the client and the date of the accident. The Letter is then forwarded to the employer, who completes the remaining part and signs it. The Letter informs the Board that the Ministry will represent the employer in matters pertaining to this claim including claims management. As per the usual WSIB process, the employer immediately completes the Workplace Safety and Insurance Employer's Report of Injury/Disease (Form 7) and forwards it, along with the Letter of Authorization, to the WSIB within three days. The employer forwards a copy of the completed Form 7 to the service provider who forwards a copy of the completed Form 7 to the ODSP Employment Supports staff along with any other relevant information. Please note that the firm number to be completed on the Form 7 is that of the Ministry, and not that of the employer. This ensures that the accident costs are not applied in the employer's account. Page 2 of 5

3 The corresponding firm numbers are as follows: Toronto Region Eastern Central West South West North East South East Central East Hamilton/Niagara Northern Any correspondence relating to the accident is sent to the ODSP Employment Supports by the WSIB claims adjudicator. The WSIB pays all eligible costs related to the claim, including doctor's visits and medication. These costs are forwarded to the identified by the firm number on the Form 7. ODSP Employment Supports staff, with assistance from the service provider, will verify the information on any invoice from WSIB including statements related to the claim (e.g. eligibility of the client, whether the accident happened on the job, the legitimacy of expenses) and forward the verification to staff at the Business Unit. Based on verification of information on the invoice, the Business Unit will provide a budget code and authorization for payment from Ontario Shared Services. When an accident occurs, but the participant does not require medical attention, the Form 7 should be completed and kept on file by the service provider. Coverage under Ontario's Accident Insurance Plan Where employers are not required to carry Workplace Safety and Insurance coverage, Ontario's Accident Insurance Plan will cover the eligible costs of a work-related accident or illness suffered by a client in an unpaid or paid work/ training placement arranged by the service provider. The plan is a group plan with other training ministries and arranged with the ACE INA Insurance Company. The cost of the insurance is borne corporately by the Ministry. Page 3 of 5

4 Employers and clients are to be advised of the accident insurance coverage. Copies of a brochure, available from ACE INA Insurance, explaining the coverage can be obtained by calling the Distribution Centre at (416) For the Distribution Centre's purposes, the brochure is identified as number ITTP01. The Ministry's client number will also be required by the Distribution Centre for billing purposes. The Ministry's Social Assistance and Municipal Operations Branch estimates annually the number of work/ training placement weeks with employers. Within approximately one month from the end of each fiscal-year quarter, the Employment Support System Managers will be asked by the Social Assistance and Municipal Operations Branch to report the quarterly number of placement weeks based on information provided by the service providers in their region. This data is rolled up at the along with the data from other Ministry programs that provide workplace training placements (e.g. Ontario Works and Developmental Services) and forwarded to the Social Assistance and Municipal Operations Branch. This information is required in order to determine the annual cost of the insurance which is based on a premium rate multiplied by the number of placement weeks. If an accident occurs while a client is attending a workplace training placement where no Workplace Safety and Insurance coverage is required, the following occurs: The initial claim must be made within 30 days of the accident. Service provider provides the employer with the Accident Report - Statement of Work Placement Employer and Training Agency form from ACE INA Insurance. The employer completes the Accident Report - Statement of Work Placement Employer and Training Agency form in conjunction with the service provider. The form must be signed by an authorized representative of both parties and maintained on file. ONLY in the event of a claim should the form be sent to ACE INA. Service provider provides participant/trainee with the appropriate claim form from ACE Insurance. o Where claims are made for medical, or vision care benefits the client should complete the Accidental Medical Claim form and supply other information as required by the insurer. Other forms which cover weekly disability benefits and dental care benefits are the Claimant's Statement of Disability and the Accidental Dental Expenses Claim, respectively. o For claims that are not for medical, dental, vision care, i.e. accidental death, loss or loss of use of limb(s), sight, speech, hearing or paralysis, the service provider will contact the Claims Department of ACE INA Insurance at ACE INA Page 4 of 5

5 Insurance will provide the necessary claim forms and assist in completing the forms. The ACE INA Insurance Authorization to Obtain Information form should be obtained by the service provider and completed by the participant/trainee. The Authorization to Obtain Information form provides the trainee's authorization to medical practitioners and others to give information to ACE INA Insurance. In the event of a claim, the service provider sends the Accident Report, the claim form, the Authorization to Obtain Information form with the work placement agreement to: ACE INA Insurance The Exchange Tower 130 King Street West, 12th floor Toronto, Ontario M5X 1A6 ATTENTION: Claims Department Policy No should be noted in any correspondence to ACE Insurance. Copies of the submission to ACE Insurance are sent by the service provider to the ODSP Employment Supports. Related Directives 4.1 Job Placement 4.2 Job Retention and Career Advancement Page 5 of 5

WORKERS COMPENSATION/PRIVATE INSURANCE COVERAGE FOR LEARNERS ON UNPAID TRAINING PLACEMENT

WORKERS COMPENSATION/PRIVATE INSURANCE COVERAGE FOR LEARNERS ON UNPAID TRAINING PLACEMENT WORKERS COMPENSATION/PRIVATE INSURANCE COVERAGE FOR LEARNERS ON UNPAID TRAINING PLACEMENT OVERVIEW Effective July 1, 1993, all students (learners) in unpaid training placements who are placed in agencies

More information

WORPLACE SAFETY & INSURANCE BOARD/PRIVATE INSURANCE COVERAGE FOR STUDENTS ON UNPAID WORK PLACEMENTS

WORPLACE SAFETY & INSURANCE BOARD/PRIVATE INSURANCE COVERAGE FOR STUDENTS ON UNPAID WORK PLACEMENTS WORPLACE SAFETY & INSURANCE BOARD/PRIVATE INSURANCE COVERAGE FOR STUDENTS ON UNPAID WORK PLACEMENTS OVERVIEW All students who complete unpaid work placements as part of their academic program, on a required

More information

Ministry of Training, Colleges and Universities Postsecondary Student Unpaid Work Placement Workplace Insurance Claim

Ministry of Training, Colleges and Universities Postsecondary Student Unpaid Work Placement Workplace Insurance Claim Ministry of Training, Colleges and Universities Postsecondary Student Unpaid Work Placement Workplace Insurance Claim Coverage and Eligibility Q.1: What type of insurance coverage does the Ministry of

More information

Guidelines for Workplace Insurance for Postsecondary Students of Publicly Assisted Institutions on Unpaid Work Placements

Guidelines for Workplace Insurance for Postsecondary Students of Publicly Assisted Institutions on Unpaid Work Placements Guidelines for Workplace Insurance for Postsecondary Students of Publicly Assisted Institutions on Unpaid Work Placements Revised: June 2014 Table of Contents 1. Definitions :... 3 2. Relevant Statutory

More information

Administrative Procedures Memorandum A4002

Administrative Procedures Memorandum A4002 Page 1 of 8 Date of Issue May 2015 Original Date of Issue September 1985 Subject References Links Contact REPORTING OF WORKPLACE INJURY/ILLNESS Workplace Safety & Insurance Act Occupational Health & Safety

More information

What about Money? Understanding Income Sources after a Motor Vehicle Accident

What about Money? Understanding Income Sources after a Motor Vehicle Accident What about Money? Understanding Income Sources after a Motor Vehicle Accident clinical excellence human focus 15 Barrie Blvd., St. Thomas, ON N5P4B9 Ph: 519-637-0981 Fx: 519-637-6997 www.novusrehab.ca

More information

Income Protection Disability

Income Protection Disability Income Protection Disability Protecting loved ones from financial hardship in the event of premature death of a primary income earner is usually a high priority for most Canadians. Unfortunately, while

More information

Public records. Division: Employment & Social Services. Introduction

Public records. Division: Employment & Social Services. Introduction Introduction Records held by municipal governments are regulated by the provincial Municipal Freedom of Information and Protection of Privacy Act (MFIPPA) and the City of Toronto Act. MFIPPA states that,

More information

The Accident Insurance Plan Supporting Training Participants

The Accident Insurance Plan Supporting Training Participants The Accident Insurance Plan Supporting Training Participants Policy Number: SCG 10 28 45 BASIC ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE PLAN Every year in Ontario, over 100,000 people are involved

More information

Workplace Injury and Exposure to Infectious/Environmental Hazards in the Clinical Setting for Learners in the Faculty of Health Sciences

Workplace Injury and Exposure to Infectious/Environmental Hazards in the Clinical Setting for Learners in the Faculty of Health Sciences Workplace Injury and Exposure to Infectious/Environmental Hazards in the Clinical Setting for Learners in the Faculty of Health Sciences Introduction The Faculty of Health Sciences is committed to promoting

More information

Accidental Death & Dismemberment Conversion Package

Accidental Death & Dismemberment Conversion Package Accidental Death & Dismemberment Conversion Package Accidental Death & Dismemberment Conversion Package Converting your Accidental Death & Dismemberment Coverage from the Group Policy to an Individual

More information

Work Injury Compensation Act. A Guide to the Work Injury Compensation Benefits and Claim Process

Work Injury Compensation Act. A Guide to the Work Injury Compensation Benefits and Claim Process Work Injury Compensation Act A Guide to the Work Injury Compensation Benefits and Claim Process Foreword This booklet provides a brief guide to the Work Injury Compensation Act which replaces the Workmen

More information

Long Term Disability Insurance Plan

Long Term Disability Insurance Plan Long Term Disability Insurance Plan LONG TERM DISABILITY INSURANCE PROGRAM DESIGNED EXCLUSIVELY FOR QMA MEMBERS* Insured by : Eligibility : Period of coverage: Maximum Benefit Period : Maximum Monthly

More information

Protection For Your Mortgage

Protection For Your Mortgage Protection For Your Mortgage Protect What s Important Distribution Guide and Certificate of Insurance 592150 (0715) For use in Quebec only Protection For Your Mortgage Protect What s Important Distribution

More information

UNDERGRADUATE 95-498

UNDERGRADUATE 95-498 UNDERGRADUATE 95-498 CONTENTS: 1. Undergraduate Internship Program Description 2. Application for an Undergraduate Intern Form 3. Internship Agreement Form 4. Letter to Placement Employers 5. Student Declaration

More information

NORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE

NORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE NORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE LIFE INSURANCE ACCIDENTAL DEATH AND DISMEMBERMENT INTRODUCTION Life Insurance and Accidental Death & Dismemberment

More information

WORKERS GUIDE YUKON WORKERS COMPENSATION HEALTH AND SAFETY BOARD. working together WITH YUKON WORKERS AND EMPLOYERS

WORKERS GUIDE YUKON WORKERS COMPENSATION HEALTH AND SAFETY BOARD. working together WITH YUKON WORKERS AND EMPLOYERS WORKERS GUIDE YUKON WORKERS COMPENSATION HEALTH AND SAFETY BOARD working together WITH YUKON WORKERS AND EMPLOYERS workers compensation WORKERS COMPENSATION Workers compensation is an employer-funded insurance

More information

A Guide to Appealing Disability Benefits in the Broader Public Service (BPS)

A Guide to Appealing Disability Benefits in the Broader Public Service (BPS) A Guide to Appealing Disability Benefits in the Broader Public Service (BPS) OPSEU Pensions and Benefits Unit April 2013 Table of Contents Introduction... 3 Overview... 3 Know and Meet the Deadline(s)

More information

AVON MAITLAND DISTRICT SCHOOL BOARD ADMINISTRATIVE PROCEDURE NO. 402

AVON MAITLAND DISTRICT SCHOOL BOARD ADMINISTRATIVE PROCEDURE NO. 402 AVON MAITLAND DISTRICT SCHOOL BOARD ADMINISTRATIVE PROCEDURE NO. 402 SUBJECT: Legal References: ATTENDANCE REPORTING: STAFF Education Act: Section 283 Chief Executive Officer: Maintain an Effective Organization;

More information

Assistive Devices Program Authorizer Roles and Responsibilities

Assistive Devices Program Authorizer Roles and Responsibilities Purpose This Authorizer Roles and Responsibilities document is solely intended to provide general information to healthcare professionals who are currently, or are seeking to become, Registered Assistive

More information

The Corporation of the TOWN OF MILTON

The Corporation of the TOWN OF MILTON Report To: From: Committee of the Whole Linda Leeds, Director, Corporate Services and Treasurer Date: February 9, 2015 Report No: Subject: Recommendation: 2014 Corporate Health and Safety Annual Report

More information

When an employer with more than one account closes an account, the employer remains liable for any amount owing on the closed account.

When an employer with more than one account closes an account, the employer remains liable for any amount owing on the closed account. When an employer ceases business, the WSIB does not relieve the employer of its financial obligations until the employer has paid all amounts owing to the WSIB. An employer who ceases business and does

More information

Group Life And AD&D Insurance Coverage

Group Life And AD&D Insurance Coverage Group Life And AD&D Insurance Coverage The California State University Standard Insurance Company Group Life Insurance The following is a brief description of some of the coverage highlights for The California

More information

The Ottawa Hospital Cancer Centre Psychosocial Oncology Program

The Ottawa Hospital Cancer Centre Psychosocial Oncology Program The Ottawa Hospital Cancer Centre Psychosocial Oncology Program Coping... With Loss of Income and Other Financial Issues Disclaimer This is general information developed by The Ottawa Hospital. It is not

More information

Industrial Accident Compensation Insurance Application Guidance for Foreign Workers

Industrial Accident Compensation Insurance Application Guidance for Foreign Workers <Volume 1> [ For foreign workers in Japan ] 英 語 版 Industrial Accident Compensation Insurance Application Guidance for Foreign Workers Applicable Insurance Benefits Industrial Accident Compensation Insurance

More information

Voluntary Accidental Death and Dismemberment (AD&D) Insurance

Voluntary Accidental Death and Dismemberment (AD&D) Insurance Voluntary Accidental Death and Dismemberment (AD&D) Insurance For Employees of The California State University Standard Insurance Company Voluntary AD&D Insurance About This Brochure This booklet is designed

More information

Ontario Disability Support Program - Income Support Directives

Ontario Disability Support Program - Income Support Directives Ontario Disability Support Program - Income Support Directives 9.11 - Hearing Aids Legislative Authority Section 44(1)1 ii of the ODSP Regulation Summary of Directive The items and services that are covered

More information

Policy Title OTHER INSURANCE Guide Adopted AUGUST 21, 1989

Policy Title OTHER INSURANCE Guide Adopted AUGUST 21, 1989 Policy No. 813 KEYSTONE OAKS SCHOOL DISTRICT Section OPERATIONS Policy Title Guide Adopted AUGUST 21, 1989 Revised MARCH 19, 2001 POLICY NO. 813 1. Purpose Proper School District operation requires that

More information

Memorial Hermann Employer Occupational Accident Program Houston, Texas

Memorial Hermann Employer Occupational Accident Program Houston, Texas Memorial Hermann Employer Occupational Accident Program Houston, Texas Memorial Hermann Health Solutions, Inc. Employer Occupational Accident Program Insurance underwritten by ACE American Insurance Company

More information

High Adventure BOY SCOUTS OF AMERICA. Base Campers Accident & Sickness Plan

High Adventure BOY SCOUTS OF AMERICA. Base Campers Accident & Sickness Plan High Adventure BOY SCOUTS OF AMERICA Base Campers Accident & Sickness Plan 2 This booklet describes the Accident and Sickness Insurance that will be provided for each Scout, Venturer, Learning for Life

More information

Student Accident Insurance for Ontario Pharmacists Association

Student Accident Insurance for Ontario Pharmacists Association Student Accident Insurance for Ontario Pharmacists Association JMT/CGD 1. PLAN DESIGN Coverage Coverage is applicable to any injury sustained while participating in the work experience program sponsored

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN For Employees of State of South Dakota All Eligible Employees 6CC000 B-14517 (03-15) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF

More information

ODSP: Know Your Benefits. ODSP Action Coalition February 2013

ODSP: Know Your Benefits. ODSP Action Coalition February 2013 ODSP: Know Your Benefits ODSP Action Coalition February 2013 1 Who We Are ODSP Action Coalition has been around for more than 10 years Advocate for changes to ODSP Have a shared leadership model: Made

More information

Additional Life Insurance with AD&D Coverage Highlights The Salvation Army

Additional Life Insurance with AD&D Coverage Highlights The Salvation Army Accidental Death and Dismemberment (AD&D) Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select through. Written in non-technical

More information

Public Employees Benefits Agency. Public Employees Disability Income Plan

Public Employees Benefits Agency. Public Employees Disability Income Plan Public Employees Benefits Agency Public Employees Disability Income Plan Table of Contents INTRODUCTION...4 Overview Administration Employee Booklet ELIGIBILITY...5 Employer Responsibility Enrolment BENEFITS...7

More information

Disability. Guidelines for Disability Leave. Lawrence Livermore National Security, LLC

Disability. Guidelines for Disability Leave. Lawrence Livermore National Security, LLC Lawrence Livermore National Security, LLC This checklist explains how your benefits are affected when you are on disability. You may wish to review this information with the Benefits Office to be sure

More information

Workers Compensation: Making a claim

Workers Compensation: Making a claim Workers Compensation: Making a claim What are workers compensation benefits? Workers compensation benefits are payments for injuries or diseases that are related to the work you were doing. Workers compensation

More information

A CONSUMER'S GUIDE TO DISABILITY INCOME INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE

A CONSUMER'S GUIDE TO DISABILITY INCOME INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A CONSUMER'S GUIDE TO DISABILITY INCOME INSURANCE from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A MESSAGE FROM YOUR INSURANCE COMMISSIONER Greetings, The North Carolina Department of

More information

APPENDIX 5 - DETAILS OF DISABILITY INSURANCE. 1.0 Disability Insurance. Topics in this section include:

APPENDIX 5 - DETAILS OF DISABILITY INSURANCE. 1.0 Disability Insurance. Topics in this section include: APPENDIX 5 - DETAILS OF DISABILITY INSURANCE Topics in this section include: 1.0 Disability Insurance 1.1 Income covered by disability insurance 1.2 Taxation of disability benefits 1.3 Coordination of

More information

Extended Health Care Dental Care Life Insurance Disability Insurance. Benefits Information for Executives

Extended Health Care Dental Care Life Insurance Disability Insurance. Benefits Information for Executives Extended Health Care Dental Care Life Insurance Disability Insurance Benefits Information for Executives SICKKIDS BENEFITS PLAN This brochure provides a brief description of the benefits plan offered by

More information

Council Accident & Sickness Plan

Council Accident & Sickness Plan Council Accident & Sickness Plan 2 This brochure describes the Council Accident & Sickness Insurance Plan, arranged for you by the Boy Scouts of America which we recommend. Although Scouting programs are

More information

Life Insurance & Voluntary AD&D Insurance

Life Insurance & Voluntary AD&D Insurance 30 Life Insurance & Voluntary AD&D Insurance Elective Benefits The Standard Life Insurance Plan Basic and Additional (Supplemental) Life Insurance Group Policy Effective Date January 1, 2012 It s not easy

More information

THE ALUMNI INSURANCE PLAN

THE ALUMNI INSURANCE PLAN SPONSOR AND PRESENT THE ALUMNI INSURANCE PLAN GROUP INSURANCE UNDER YOUR PERSONAL CONTROL OPTIONAL ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE AVAILABLE DEVELOPED and ADMINISTERED by UNDERWRITTEN BY 1

More information

Group Term Life Insurance

Group Term Life Insurance Group Term Life Insurance For groups with 2-50 employees For the state of Virginia Plan Design Rate basis Rate guarantee 2-14 employees: Age banded rates (Each employee s premium is based on the group

More information

Permanent Disability Plan. No matter what happens, your family s well being is always protected

Permanent Disability Plan. No matter what happens, your family s well being is always protected Permanent Disability Plan No matter what happens, your family s well being is always protected MSIG Permanent Disability Plan takes care of your family when you can t. You want to succeed in work without

More information

Facts & Tips about Long-term Disability (LTD)

Facts & Tips about Long-term Disability (LTD) Facts & Tips about Long-term Disability (LTD) Revised June 2008 Please keep this document handy for reference It offers general information about LTD benefits under an insurance policy or contract. It

More information

Group Optional Life Insurance and Voluntary Accidental Death and Dismemberment Insurance

Group Optional Life Insurance and Voluntary Accidental Death and Dismemberment Insurance Group Optional Life Insurance and Voluntary Accidental Death and Dismemberment Insurance For University of Alaska Employees Standard Insurance Company Group Optional Life Insurance Group Accidental Death

More information

Personal Accident Insurance for Students

Personal Accident Insurance for Students Personal Accident Insurance for Students The Deakin University Personal Accident Insurance Policy provides personal accident insurance cover for Deakin University Students, including postgraduate Students,

More information

It is our sincere hope that this information will be helpful as you go through these difficult times.

It is our sincere hope that this information will be helpful as you go through these difficult times. Benefit Guide Extended Illness Disability or Death In situations of extended illness, disability, or death, you and your family members will need to know specific details regarding benefit information.

More information

GROUP LIFE / ACCIDENTAL DEATH NOTICE OF CLAIM

GROUP LIFE / ACCIDENTAL DEATH NOTICE OF CLAIM GROUP LIFE / ACCIDENTAL DEATH NOTICE OF CLAIM EMPLOYER INSTRUCTIONS Send the Claimant s Statement to the beneficiary for completion and have it returned to you. Complete the Employer s Statement. These

More information

Protection for your business

Protection for your business TD Insurance Protection for your business Protect what s important Distribution Guide and Certificate of Insurance 592306 (1012) For use in Quebec only Protection for your Business Protect what s important

More information

Learning for Life Accident Plan

Learning for Life Accident Plan Learning for Life Accident Plan 2 This brochure describes the Learning for Life Accident Insurance Plan, arranged for you by Learning for Life which we recommend. Although Learning for Life programs are

More information

Health and dental coverage that begins when your group health benefits end.

Health and dental coverage that begins when your group health benefits end. Health and dental coverage that begins when your group health benefits end. Gain the security that individual healthcare coverage can provide. Regardless of what path in life you take. Life is full of

More information

Policy Number: 022 Injury Management and Return to Work

Policy Number: 022 Injury Management and Return to Work Policy Number: 022 Injury Management and Return to Work July 2015 Policy Details 1. Owner Manager, Business Operations 2. Compliance is required by Staff, contractors and volunteers 3. Approved by The

More information

1 YOUR SALARY AND BENEFITS

1 YOUR SALARY AND BENEFITS 1 YOUR SALARY AND BENEFITS 1.1 Salaries Mike Wiseman, Director, Pension, Payroll and Employee Benefits: 416-397-4143; mwisema@toronto.ca The remuneration and severance for Members of Council are set out

More information

Group Term Life Insurance and Optional Coverages

Group Term Life Insurance and Optional Coverages Active Employees Benefits Book ERS - Texas Employees Group Benefits Program Effective January 1, 2012 Group Term Life Insurance and Optional Coverages m A Securian Company IMPORTANT NOTICE To obtain information

More information

WORKPLACE SAFETY AND INSURANCE APPEALS TRIBUNAL DECISION NO. 2289/08

WORKPLACE SAFETY AND INSURANCE APPEALS TRIBUNAL DECISION NO. 2289/08 WORKPLACE SAFETY AND INSURANCE APPEALS TRIBUNAL DECISION NO. 2289/08 BEFORE: M. Crystal: Vice-Chair HEARING: October 31, 2008 at Toronto Written case DATE OF DECISION: October 31, 2008 NEUTRAL CITATION:

More information

OUTLINE OF BENEFITS College of the North Atlantic Student Health and Dental Plan

OUTLINE OF BENEFITS College of the North Atlantic Student Health and Dental Plan OUTLINE OF BENEFITS College of the North Atlantic Student Health and Dental Plan Services shown below will be eligible if they are usual, reasonable and customary, and are medically necessary for the treatment

More information

LIFE & DISABILITY BENEFITS HEALTH INSURANCE. FOR YOU. WHEREVER. WHENEVER.

LIFE & DISABILITY BENEFITS HEALTH INSURANCE. FOR YOU. WHEREVER. WHENEVER. LIFE & DISABILITY BENEFITS HEALTH INSURANCE. FOR YOU. WHEREVER. WHENEVER. LIFE & DISABILITY BENEFITS OFFERS YOUR EMPLOYEES' FAMILIES FINANCIAL PROTECTION Employees on assignment abroad need and expect

More information

Applying for financial benefits money concerns and cancer

Applying for financial benefits money concerns and cancer Applying for financial benefits money concerns and cancer Your doctor has discussed the possibility of cancer and has referred you to an oncologist (cancer doctor) and/or cancer centre. Often with a serious

More information

Supplemental Life and AD&D Insurance Benefit Highlights

Supplemental Life and AD&D Insurance Benefit Highlights Supplemental Life and AD&D Insurance Benefit Highlights Benefit Highlights Southern Orthopedic Associates What is supplemental life and AD&D insurance? Am I eligible? When can I enroll? When is it effective?

More information

Self-Employed Persons Voluntary Accident Insurance

Self-Employed Persons Voluntary Accident Insurance PRODUCT DESCRIPTION Valid as of January 1, 2008 Self-Employed Persons Voluntary Accident Insurance Low-Cost Cover for Self-Employed Persons in Case of Accidents Self-employed persons are dependent on the

More information

Protection for your personal loan

Protection for your personal loan Protection for your personal loan Protect what s important Distribution Guide and Certificate of Insurance 592148 (0314) For use in Quebec only Protection for your personal loan Protect what s important

More information

Additional Employee Life and AD&D Insurance

Additional Employee Life and AD&D Insurance Additional Employee Life and AD&D Insurance Employee Life and Accidental Death & Dismemberment (AD&D) Insurance provides a source of income to your beneficiary in the event of your death while you are

More information

A VICTIM S GUIDE TO FINANCIAL ASSISTANCE IN ONTARIO

A VICTIM S GUIDE TO FINANCIAL ASSISTANCE IN ONTARIO A VICTIM S GUIDE TO FINANCIAL ASSISTANCE IN ONTARIO There are many ways that victims of crime can seek financial assistance in Ontario. The province has specific financial programs for victims of crime,

More information

School of Nutrition Graduate Programs Practicum Policies and Procedures

School of Nutrition Graduate Programs Practicum Policies and Procedures School of Nutrition Graduate Programs Practicum Policies and Procedures Ryerson University, School of Nutrition 2015 Table of Contents 1. ACADEMIC AND NON- ACADEMIC CODES OF CONDUCT... 4 2. ACCEPTANCE

More information

Additional Life Coverage Highlights Johnson County Community College

Additional Life Coverage Highlights Johnson County Community College Additional Life and Accidental Death and Dismemberment (AD&D) Insurance Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select

More information

THE CORPORATION OF THE CITY OF WINDSOR POLICY

THE CORPORATION OF THE CITY OF WINDSOR POLICY THE CORPORATION OF THE CITY OF WINDSOR POLICY Service Area: Office of the City Clerk Policy No.: HRATT POL - 0001 Department: Human Resources Approval Date: January 21, 2013 Division: Employment and WSIB

More information

GROUP DISABILITY INCOME INSURANCE PLAN

GROUP DISABILITY INCOME INSURANCE PLAN GROUP DISABILITY INCOME INSURANCE PLAN FOR MEMBERS OF THE PENNSYLVANIA STATE EDUCATION ASSOCIATION Underwritten by New York Life Insurance Company COVERAGE DETAILS AND BENEFITS WHO IS ELIGIBLE? If you

More information

BMO Common Carrier C E R T I F I C A T E O F I N S U R A N C E

BMO Common Carrier C E R T I F I C A T E O F I N S U R A N C E BMO Common Carrier C E R T I F I C A T E O F I N S U R A N C E Inside You ll find all You need to know about the BMO Common Carrier features and benefits included with Your BMO REWARDS MasterCard *. CERTIFICATE

More information

YOUR BENEFITS as an Employee of the City of High Point

YOUR BENEFITS as an Employee of the City of High Point YOUR BENEFITS as an Employee of the City of High Point This handbook is a brief outline of benefits available to employees of the City of High Point. It is not intended to constitute an expressed or implied

More information

Members Salary and Benefits

Members Salary and Benefits Members Salary and Benefits Table of Contents 1. Introduction 2 2. Members Pay 3 3. Insurance Plans 4 3.1 Public Service Management Insurance Plan 4 3.2 Public Service Health Care Plan 5 3.3 Dental Care

More information

7-48 (a) PERSONNEL COMPENSATION REGULATION. 7-48 Workers' Compensation. A. Purpose

7-48 (a) PERSONNEL COMPENSATION REGULATION. 7-48 Workers' Compensation. A. Purpose (a) 7-48 Workers' Compensation A. Purpose 1. The purpose of the Virginia Workers' Compensation Act is to provide compensation to employees for the loss of their opportunity to engage in work when their

More information

Coping with Cancer: Know how to get financial help

Coping with Cancer: Know how to get financial help Coping with Cancer: Know how to get financial help For patients living with cancer UHN Read this booklet to learn about: What programs are available to you How to apply for and use the programs Programs

More information

LTD (Long Term Disability Plan)

LTD (Long Term Disability Plan) 1 LTD (Long Term Disability Plan) 2.1 Eligibility (a) (1) Regular full-time employees shall be covered by the Long Term Disability Plan upon completion of six months active employment with the Employer.

More information

INJURY PREVENTION AND MANAGEMENT

INJURY PREVENTION AND MANAGEMENT INJURY PREVENTION AND MANAGEMENT PERFORMANCE MEASUREMENT FOR SENIOR OFFICERS KEY ACCOUNTABILITY ACTPS and Agency injury prevention and injury management policies and procedures are implemented and operating

More information

12505-645820-BROKERED

12505-645820-BROKERED Voluntary Life Insurance Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select through your employer. Written in non-technical

More information

A-301 1 st Edition, 2008. (Updated: December 2012)

A-301 1 st Edition, 2008. (Updated: December 2012) A-301 1 st Edition, 2008 (Updated: December 2012) Chapter 3 General Clauses of a Contract 107 3.4. Benefits and endorsements 3.4.1. Basic benefit In simple terms, the basic benefit means the insured risk.

More information

Group Basic Life Insurance

Group Basic Life Insurance Group Basic Life Insurance For employees participating in OEBB plans Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Brochure This brochure

More information

Ontario Lawn Bowls Association

Ontario Lawn Bowls Association COMMERCIAL INSURANCE PROGRAM FOR: November 1, 2015 January 1, 2017 PRESENTED BY: Dan Lawrie Insurance Brokers Brenda McClung, CIP Associate Broker bmcclung@danlawrie.com Sport Liability Insurance- an Overview

More information

TEAMSTERS CANADA RAIL CONFERENCE HEALTH AND WELFARE TRUST LONG TERM DISABILITY GROUP PLAN

TEAMSTERS CANADA RAIL CONFERENCE HEALTH AND WELFARE TRUST LONG TERM DISABILITY GROUP PLAN TEAMSTERS CANADA RAIL CONFERENCE HEALTH AND WELFARE TRUST LONG TERM DISABILITY GROUP PLAN LOCOMOTIVE ENGINEERS OF CANADIAN PACIFIC RAILWAY This Booklet Contains Important Information And Should Be Kept

More information

Don t let the loss of your group benefits take away your peace-of-mind. Call 1-877-COVER ME (1-877-268-3763) For more information,

Don t let the loss of your group benefits take away your peace-of-mind. Call 1-877-COVER ME (1-877-268-3763) For more information, For more information, Call 1-877-COVER ME (1-877-268-3763) Our Customer Service Representatives will be glad to assist you. Or visit our website at www.coverme.com FollowMe is offered through Manulife

More information

Additional General Information regarding Personal Protection

Additional General Information regarding Personal Protection Additional General Information regarding Personal Protection Information regarding the research we used The research house we subscribe to regarding personal protection is Omnium. In a separate document

More information

FOR WHEN LIFE DOESN T GO ACCORDING TO PLAN

FOR WHEN LIFE DOESN T GO ACCORDING TO PLAN FOR WHEN LIFE DOESN T GO ACCORDING TO PLAN ASCE GROUP HIGH-LIMIT ACCIDENT INSURANCE INNOVATIVE SOLUTIONS: THE WAY YOU WOULD ENGINEER THEM UNDERWRITTEN BY New York Life Insurance Company WHY PURCHASE HIGH-LIMIT

More information

York University Graduate Program in Psychology Clinical & CD Practicum Agreement Form

York University Graduate Program in Psychology Clinical & CD Practicum Agreement Form York University Graduate Program in Psychology Clinical & CD Practicum Agreement Form (revised spring 2014) Student Name: Student number: Please circle one: Clinical Area 6440P 6.0 CD Area 6910P (Assessment

More information

Life Insurance Benefits

Life Insurance Benefits Understanding Your Life Insurance Benefits Table of Contents Welcome 1 Eligibility 2 Insurance Types 2 Employee Life Insurance 3 Basic Life Insurance 3 Optional Life Insurance 3 Insurance Benefits - Basic

More information

ACCIDENT AND SICKNESS PLAN

ACCIDENT AND SICKNESS PLAN High Adventure Base Campers ACCIDENT AND SICKNESS PLAN 2 This booklet describes the Accident and Sickness Insurance that will be provided for each Scout, Venturer, Learning for Life (Exploring and Curriculum-based

More information

SECTION 2: Support to Employees HEALTH AND SAFETY POLICY: WORKPLACE SAFETY AND INSURANCE BOARD (WSIB)

SECTION 2: Support to Employees HEALTH AND SAFETY POLICY: WORKPLACE SAFETY AND INSURANCE BOARD (WSIB) Page 1 of 5 POLICY 1. Community Living Quinte West shall take all reasonable precautions to protect all employees from illness and injury. 2. The employer shall work cooperatively with employees, the bargaining

More information

Monthly Cost for Voluntary Accidental Death & Dismemberment (AD&D) Insurance:

Monthly Cost for Voluntary Accidental Death & Dismemberment (AD&D) Insurance: UMB Financial Corporation Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Voluntary Accidental Death and Dismemberment

More information

My Life CHOICE. Annual Renewable Term Life Insurance Accidental Death Benefit

My Life CHOICE. Annual Renewable Term Life Insurance Accidental Death Benefit My Life CHOICE Annual Renewable Term Life Insurance Accidental Death Benefit The following policy wording is provided solely for your convenience and reference. It is incomplete and reflects only some

More information

RE: STAFF BRIEF: INSURANCE APPROPRIATION REQUESTS FOR FY 16

RE: STAFF BRIEF: INSURANCE APPROPRIATION REQUESTS FOR FY 16 October 13, 2014 MEMORANDUM TO: FR: Legislative Education Study Committee David T. Craig RE: STAFF BRIEF: INSURANCE APPROPRIATION REQUESTS FOR FY 16 INTRODUCTION Each year, if funding is available, the

More information

Certificate of Currency Our Ref: 076719. Surf Life Saving Western Australia, including clubs, branches and/or affiliated entities.

Certificate of Currency Our Ref: 076719. Surf Life Saving Western Australia, including clubs, branches and/or affiliated entities. 24 October 2014 Jardine Lloyd Thompson Pty Ltd ABN 69 009 098 864 27 Evelyn Street NEWSTEAD QLD 4006 PO Box 2321 Fortitude Valley BC QLD 4006 Tel +61 7 3246 7555 Fax +61 7 3246 7590 www.jlta.com.au Certificate

More information

Trans$ure SM interest sensitive whole life insurance

Trans$ure SM interest sensitive whole life insurance YOUR FAMILY DESERVES A BETTER TOMORROW Trans$ure SM Underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. 4% guaranteed interest rate and coverage for your eligible family members. Now

More information

Health and Life Insurance, Disability and Death Benefits

Health and Life Insurance, Disability and Death Benefits 3021595.G.P.1-2_07979_BenefitGuide 4/9/12 2:16 PM Page 1 A GUIDE TO BENEFITS FOR DEFINED CONTRIBUTION RETIREMENT PLAN PARTICIPANTS WITH THE GRADED PREMIUM SUBSIDY Health and Life Insurance, Disability

More information

YOUTH CONSULTATION SERVICE (YCS) WORKERS COMPENSATION POLICY AND PROCEDURES

YOUTH CONSULTATION SERVICE (YCS) WORKERS COMPENSATION POLICY AND PROCEDURES YOUTH CONSULTATION SERVICE (YCS) WORKERS COMPENSATION POLICY AND PROCEDURES - 1 -Revised 02/05 PHILOSOPHY STATEMENT It shall be the philosophy of Youth Consultation Service to value its employees as important

More information

Disability Income Protection

Disability Income Protection Disability Income Protection Table of contents Introduction... 1 Highlights...2 Sick Leave plan... 4 Joining the plan...4 Cost...4...4 Exclusions... 5 In the event... 5 How to submit claims... 5 Group

More information

Local 3906 Policy #97528 Class B

Local 3906 Policy #97528 Class B Canadian Union of Public Employees Syndicat Canadien de la Fonction Publique Local 3906 Policy #97528 Class B Canadian Union of Public Employees Syndicat Canadien de la Fonction Publique Policy #97528

More information

VISION MISSION VALUES WORKERS RIGHTS. Eliminate workplace diseases and injuries.

VISION MISSION VALUES WORKERS RIGHTS. Eliminate workplace diseases and injuries. Worker s Handbook VISION Eliminate workplace diseases and injuries. MISSION In partnership with stakeholders, we ensure workplace safety, and care for workers. VALUES Respect We demonstrate care, compassion,

More information