1 A Member s Guide to Long Term Disability LTD Elementary Teachers Federation of Ontario January 2012
2 Long Term Disability Whatever entitlement to benefits you have is based on the language of the Long Term Disability (LTD) policy covering your disability. That is also where you will find the conditions you have to meet to maintain your claim. Every LTD policy is different and the insurers vary. This booklet is intended to be a broad description based on our experience with carriers and claims to date. LTD or Accommodation? If you have not been able to continue to perform your assignment because of a medical condition you should consider at least two possibilities: (a) whether workplace accommodation of your medical condition might enable you to continue working or (b) applying for LTD. School Boards have a legal obligation to accommodate workers with disabilities. This is discussed further in the Return to Work section of this booklet. Filing an LTD Claim The decision to apply for long term disability benefits should be made in consultation with your health care practitioners, who have the best understanding of your medical condition, its implications, and whether or not you are disabled from working. To apply, you must complete an LTD application package or kit. This may be obtained from your local ETFO office, 1
3 your school board, and if necessary, directly from the LTD insurance carrier. There are three parts to the package that must be completed and returned to the insurer: 1. Attending Physician s Statement This is to be completed by your primary physician, often a family doctor. Your specialist should also complete a statement which can then be submitted to the insurer. 2. Plan Administrator s Statement This statement is to be completed by the LTD policy administrator. In most cases, this is either your school board or your ETFO local. 3. Member s Claim Statement or Submission This is your document to complete. It is your version of your illness, its impact on your life and your career, and any medical treatments you may be undergoing. It is imperative that any information you provide be accurate. It should also be consistent with the information your doctors have reported in the Attending Physician s Statement. 2
4 Timing of Application and Benefits LTD policies have time limits for completing an application for benefits. You must meet these deadlines. If you are having difficulty with this, contact your ETFO local. Most LTD policies have a waiting period or elimination period between the start of the disability and the start of benefit payments. The length of this waiting period depends on the policy and sometimes on elections you may have made when arranging for initial coverage under the policy. During the waiting periods, members might access sick credits accumulated with their school board, short-term sickness benefits bargained in their collective agreement, or Employment Insurance sick benefits. LTD benefits will not be approved unless the LTD carrier accepts that total disability persisted continuously through the waiting period and beyond. Pursuing reasonable medical treatment during this time is imperative. What Does Total Disability Mean? Normally, you are only entitled to LTD benefits if you have sufficient proof that you are totally disabled. The meaning of totally disabled depends on the LTD policy covering you at the time disability commenced. Commonly, LTD benefits will be payable if you are disabled from your own occupation which, may be your specific assignment or your 3
5 job as a teacher. After an initial period of time, the carrier may only continue benefit payments if you are disabled from any occupation, which will have its own definition under your policy but which is not restricted to teaching. In other words, at some point in your claim when you still are not well enough to teach, you may no longer be entitled to LTD benefits because you are well enough to perform other work. Medical Treatment and Medical Proof of Disability For most LTD claims, medical evidence is the key to a successful claim, and you are responsible for providing this information to the insurer. Medical evidence from your doctors that you have a medical condition is not enough to qualify for LTD benefits. There must be evidence that your medical condition renders you totally disabled. If your doctors disagree about the exact diagnosis of your condition, this may not be a barrier to claiming benefits as long as your doctors share a medical opinion that you are totally disabled because of illness or injury. After a doctor completes an Attending Physician s Statement, they may also be asked to prepare a report or provide clinical records. Sometimes the LTD carrier will contact your doctor for clarification or input. You should be recorded in the clinical notes and form part of the LTD carrier s assessment. 4
6 The family physician s report is an important element but the insurer relies most heavily on the opinion of a specialist in assessing whether you are totally disabled. It is crucial that such an opinion be obtained as soon as possible. Specialists opinions are only persuasive where they relate to a health condition within the doctor s field of expertise. For example, your psychologist s perspective of how disabling your physical condition is will likely be of limited use. The more objective and professional the doctors appear in their correspondence, the more credible and reliable the insurer or an adjudicator is likely to perceive their opinions. For this reason, you should not encourage your doctor to act as an advocate for you in the claim. That is not the doctor s role. The LTD insurer looks for objective medical evidence in assessing the merits of a claim. Objective evidence includes, but is not limited to, test results, medications, x-rays, CT scans, MRIs, etc. which may help to illustrate the severity of the disability. The insurers are often resistant to accepting claims based on subjective complaints (ie. symptoms you report experiencing) where there is no objective evidence verifying a basis for disability. In order to be eligible for LTD benefits, you must be receiving reasonable and customary care for your medical condition on an ongoing basis. The insurer will expect you to be receiving care and treatment with a recognized specialist who has expertise in your area of illness. For example, they will expect a report from an oncologist if the condition is cancer-related, an orthopedic surgeon if there 5
7 are broken bones or spinal problems, or a psychiatrist or psychologist if there are mental health issues such as depression. You are expected to be compliant with reasonable treatment recommendations made by each of your treating healthcare providers. Surveillance As part of its assessment of a claim for LTD benefits, an insurer may conduct surveillance on you, without your knowledge. The insurer sometimes uses this as a means of assessing your functional abilities and the veracity of your reporting to them and your doctors. Duration of Benefits As long as you can prove that you are totally disabled and comply with your obligations under the LTD policy, LTD benefits should continue to be paid. Your policy will set out when payments will cease. Frequently, termination of benefit payments will occur on the earliest date of a number of possible circumstances such as: an age limit, a minimum pension level having been reached, or death. Your policy may provide for termination or suspension of benefit payments in the event of a range of other circumstances. Consult your policy for specifics. Appealing a Negative Decision If your claim is denied, you will receive a letter explaining the reasons for the denial and your appeal rights. 6
8 When an LTD claim is denied, this is often because the insurer does not feel that the medical evidence proves you are disabled. It may be that there is no report on file from a specialist or there are no objective tests outlining the nature and severity of the illness. It is imperative that all your health-treating physicians provide this information when it is requested of them. You should share the denial letter with your doctor and specialist in order to decide what additional information is needed to support an appeal. LTD policies commonly have time limits for pursuing legal action against an insurer and many have deadlines for pursuing an appeal. The length of these time limits vary depending on the insurance contract. You should make yourself aware of such time limits. Often a denial letter will include information about contractual time limits but this is not always explained. If you miss a time limit for pursuing legal action, you may not be able to pursue your claim any further. This is an important issue to discuss with a legal representative well before the expiry of any time limit. Denied Appeals If you file an appeal and it is denied, suing the LTD carrier may be your only recourse. ETFO provides some assistance in pursuing claims (through litigation or arbitration) after an appeal is denied. It is imperative that you contact ETFO to see if you qualify for such assistance long before any time limit is set to expire in your claim. 7
9 Provincial Assistance with LTD Claims Procedure The ETFO Executive has established guidelines for assisting members in LTD disputes. The provincial office may only become involved with a member s claim once all appeal avenues have been exhausted. To qualify for support, all cases must also meet ETFO s LTD Case Selection Criteria. Legal assistance will not be provided automatically. If ETFO agrees to extend legal support, a member will be asked to execute a joint retainer agreement which will set out the extent of the legal services ETFO is supporting. Included in the retainer will be a clause where the member agrees that in the event of a lump sum settlement the member will contribute to ETFO the lesser of five percent (5%) of the negotiated lump sum settlement amount or $ Return to work and medical accommodation issues associated with an LTD claim will be dealt with by ETFO locals, and where necessary, in consultation with ETFO s Professional Relations Services (PRS) staff. Depending on the applicable LTD policy language, a rehabilitative consultant with the insurance carrier may also be involved. ETFO Case Selection Criteria ETFO will not provide representation to members in the following LTD circumstances: 8
10 1. If the member has retired or resigned from employment with the school board, and the provincial office was not involved in the member s claim prior to the retirement/resignation date. 2. If the time limit for initiating a legal action against an insurer has expired or there is insufficient time to review a claim prior to the expiration of a time limit. 3. If the member has retained their own legal counsel. 4. If, in ETFO s opinion, the claim is not sufficiently strong to succeed in litigation against the insurer. (i.e. case insufficiently supported by medical documentation and/or no ability to obtain any additional supportive medical evidence.) Financial Assistance If you are without any income because benefits have not yet commenced or your LTD claim is denied, you may seek financial aid through one or more of the following agencies or government programs. Employment Insurance (EI) Sickness Benefits These benefits are available from the federal government. They may be paid for a maximum of 15 weeks after a two-week waiting period. You must have accumulated 600 hours of insurable employment in the 52 weeks preceding the claim. There is an application process that requires your record of employment (ROE) from the school board along with 9
11 a medical certificate signed by your doctor confirming you are medically unable to work. The ROE is completed by the employer after your last day of paid work and the exhaustion of any sick leave. For more information please see ETFO s A Member s Guide to Employment Insurance at.etfo.ca>resources>teachers. Ontario Disability Support Program (ODSP) This form of social assistance from the Ontario Government includes financial assistance provided to a person with a disability, accommodation resources, basic living expenses, prescription drugs, and basic dental care. There are eligibility requirements. For more information please check the website at or look for the telephone number in the blue pages of the telephone book under Provincial Government: Disability. Canada Pension Plan (CPP) Disability Pension This disability pension is available to anyone who has made sufficient contributions to the Canada Pension Plan, and whose disability prevents them from working in any capacity on a long term basis. There is an application process, and there are eligibility requirements. Further information about this process can be found at Ontario Teachers Pension Plan (OTPP) Disability Pension As a member of the Ontario Teachers Pension Plan, 10
12 you may apply for a full or partial disability pension if you are unable to work due to a disability or illness. However, accessing this pension is commonly an absolute last resort since doing so has serious implications for your long-term pension status as well as your employment status with the school board. For more information about this pension please contact the ETFO provincial office or go to In addition, there may be other resources for financial aid within individual communities and these should be investigated as well. Return to Work You have the right to return to work at any time following an LTD leave if you are medically fit to work. You are required to provide the school board with a medical certificate stating you are cleared to return to work, and you must give the employer prior notice of the date of your return. If you are not fully recovered but are well enough to return to work in some capacity, a medical accommodation may be requested. Consult your local. School Boards have legal obligations to accommodate workers with disabilities back to work. They are not required to do this if the accommodation would cause undue hardship. However, their obligations are quite extensive. 11
13 If you require a medical accommodation, you will need to produce a list of medical restrictions and limitations from your treating physician. Entitlements to accommodations are based on medical need, not worker preference. You should discuss any return to work plan with your doctor(s) and your ETFO local prior to accepting a school board s offer. Some employers will request your permission to write to your doctor for additional information or to speak directly with your doctor for reasons related to your absence under the collective agreement. There are limits to what information an employer may require. There may also be limits on how the employer is entitled to obtain such information. Although every circumstance needs to be carefully considered, in general, you should never sign away your right to privacy by giving your employer full and open-ended access to your medical history. You should review the request with your local ETFO office before signing. If the school board wants information, it can put its request/concerns in writing to you and you can return to your doctor for a further report. This also applies to any medical information needed if you request a medical accommodation as part of a return to work plan. ETFO s Role in Return to Work ETFO will participate in return to work plans or medical accommodation discussions. Members have a right to union representation throughout the entire process. Local representatives regularly advocate on behalf of members returning from medical leaves, including LTD leaves. 12
14 Rehabilitation Consultants Sometimes, a rehabilitation consultant may be involved in a member s return to work as part of the LTD process. This consultant can be helpful but is not your advocate. The consultant is hired by the LTD carrier. The consultant may not fully know or appreciate the local collective agreement provisions or the school board s protocols and human rights obligations. Even where a consultant is involved, you should consult your local ETFO representative for assistance. Local representatives seek to ensure fairness and reasonableness in safely and efficiently returning members to the workplace. Possible Return To Work Outcomes Every return to work plan is different and each case is based on the member s medical documentation. In general, you might return to: 1) your prior assignment; 2) your prior assignment with modifications in duties or hours (accommodation); 3) your same school with a different but comparable assignment on a temporary or long-term basis; 4) a different school with a different assignment. Your physician or specialist does not decide what type of assignment you should have. The workplace parties, which include the school board, ETFO and the members, must have input and are responsible for the process. 13
15 The Right To Return To Work When Ready Your school board may try to persuade you to return to work at a different time other than what you are seeking. For example, the board may prefer that you return at the beginning of a school year (even if LTD benefits stopped in May), or at the start of the next term (often January). A principal may claim it is not possible to insert you into the school when you are actually ready to work due to staffing issues. They may point to the fact that a long-term occasional teacher was in place during your absence and the principal may want the LTO to remain for the sake of continuity and so as not to disrupt the students. Despite the above, you still have the right to return to work from LTD when you are medically cleared as fit to return to work with or without modifications. If you are medically cleared to return to work your LTD benefits will likely end and you will often need to return to work to have any income. ETFO understands this may sometimes provide challenges for a school board but your right to return still prevails. It is imperative that there be local or provincial Federation involvement, such as a Professional Relations Services (PRS) counsellor from the ETFO provincial office. The PRS counsellor will be able to assess whether there are actually collective bargaining barriers for returning to work or whether a grievance needs to be filed because the employer appears to be thwarting the process. 14
16 Ongoing LTD Claims: Applying for Canada Pension Plan Disability Benefits Under many group LTD policies, if your LTD claim is approved, you will be obligated to apply for CPP disability benefits. If it is approved, the amount of CPP benefits you receive will normally be offset against your LTD benefit. In other words, your LTD benefits will be reduced by the amount of CPP you receive. You may feel this is unfair given most teacher group benefits are non-taxable and CPP disability benefits are taxable. Some insurance contracts provide for a slight adjustment of the off-set to take this into account. CPP disability benefits may be paid on an individual basis and on behalf of dependents. Some policies require that both amounts reduce the LTD amount while others exclude the dependent portion from the off-set. As long as you are disabled and are not receiving CPP benefits, you will be viewed as a non-contributor for CPP for your period of disability. When CPP calculates your pension at age 65 the amount of pension available to you will be less. If CPP disability benefits are approved you are deemed a disabled contributor and your pension will be richer at age 65. For further information about CPP disability benefits go to Service Canada at If you are approved for CPP disability, you should also apply for the Federal Disability Tax Credit. This may help you reduce any tax payable. For further information about 15
17 the Federal Disability Tax Credit, go to Canada Revenue Agency at LTD Premiums While On Leave A member going on non-medical leave from work commonly has the option of either (a) suspending LTD premium payments and coverage or (b) continuing to pay the premium and maintaining the coverage throughout the leave. If you are going on leave, ETFO generally recommends that you continue to pay the LTD premium so that your coverage is maintained. If you do not continue coverage and become disabled during your leave, you will not receive LTD benefits for this disability even when the leave expires. If you become disabled while still covered on a leave, you can apply for LTD as usual. The waiting period may only start counting during the leave period and you may not be eligible to start receiving benefits until the first day you would have been scheduled to return to work from the leave, provided the waiting period has been completed. If the waiting period is still in effect at the end of the leave, you may be able to access your sick leave credits. If you discontinue paying the LTD premium during the leave and restart payment when the leave is over the insurance carrier may consider you to be a new hire for coverage purposes. As a result, you might have to satisfy medical eligibility provisions in the contract. Also, the pre-existing illness provisions might now apply to you even though they did not before the leave. If you submitted a claim within 16
18 the first year (or often a longer period specified by your contract) following your return to work, you may not be paid benefits for the entire period of disability if you received treatment or medical care for the disabling condition prior to your return to work. Pregnancy and Parental Leaves and LTD It is important to continue paying LTD premiums for ongoing coverage throughout pregnancy and parental leaves. If you are in receipt of LTD benefits and you become pregnant, your LTD benefits should not be affected by your pregnancy. You are not generally obligated to report your pregnancy to anyone while you are on LTD. However, if the original disability resolves and complications from your pregnancy are the reason for ongoing disability, this will have to be reported. Further, this information tends to be revealed to the insurer when regular medical updates are requested for the LTD claim. If you are on a pregnancy or parental leave when you develop a disabling illness, you should file a claim immediately in order to commence your waiting period. You likely may not be eligible to receive LTD benefits until the end of your leave. You may only ever receive benefits if you have continued premium payments through the leave. Hopefully, the end of your waiting period will coincide with the end of the leave. 17
19 You need to consult your LTD contract to be certain of how these issues will be determined. ETFO Membership Fees and LTD The membership fees of a member on an approved LTD leave are waived during the LTD period. Ontario College of Teachers (OCT) A member on long term disability is not required to pay the Ontario College of Teachers (OCT) fee. However, if you are going to be off for a short period of time it is recommended that you continue to pay the fee. If your membership lapses, the OCT levies a re-instatement charge in addition to the actual fee. If you will be off indefinitely or for a significant period of time it may not make much sense to continue payment of the fee. Nevertheless, payment of the OCT fee is ultimately your choice. LTD Buyouts Occasionally, a member on LTD will be approached by an LTD carrier about the possibility of receiving a one time lump sum settlement of the member s ongoing LTD claim for monthly benefits. Whether a lump sum figure is in a member s best interests will depend on the member s own personal circumstances, including financial needs and 18
20 opportunities as a whole. The member may wish to obtain legal and/or financial advice before accepting such an offer. While such an offer may appear attractive in order to cease contact with the insurer, there are some issues specific to teachers that should be considered before making any decision. For example, pension plan rules may affect how the lump sum settlement will be treated in terms of future pension contributions. If a member has been offered a buy-out they may call and request to speak to the LTD counselor-on-duty at the provincial office for more information on issues to consider. MB:LMR January,
23 Elementary Teachers Federation of Ontario 136 Isabella St. Toronto, ON M4Y 1P6 Phone: or Fax:
A Member s Guide to the Workplace Safety and Insurance Board w s i b Elementary Teachers Federation of Ontario Revised January 2012 Workplace Safety and Insurance Board (WSIB) Applying for WSIB benefits
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.
OPSEU Guide to the Hospitals of Ontario Disability Income Plan (HOODIP) OPSEU Membership Benefits Department April 2010 Page 2 of 28 Table of Contents 1. INTRODUCTION... 5 2. HOODIP AND YOUR COLLECTIVE
Section D Long Term Disability (LTD) Insurance Section Page When Coverage Begins...D. 1 When Coverage Terminates...D. 1 What are the Benefits...D. 1 Duration of Benefits...D. 2 What is Total Disability...D.
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
HOW TO FILE A DISABILITY CLAIM (For Benefits Provided Pursuant to an Employer Provided Benefit Plan) If you have Short Term Disability and/or Long Term Disability coverage by virtue of your employment,
SPD covers NO codes 7/30/04 9:58 AM Page 3 US Airways, Inc. Flight Attendant Long Term Disability Benefit Plan Summary Plan Description As of January 1, 2004 September 2004 Dear US Airways Benefit Plan
Short-Term Disability Pay Policy for Hourly & Commissioned Associates POLICY DESCRIPTION Effective March 1, 2014 Effective March 1, 2014, Updated November 26, 2013 1 of 15 Table of Contents Table of Contents...
Dear ETFO Member: Congratulations! This is a very exciting time for you. As with all new experiences, there is always some anxiety and trepidation attached. We hope the information contained within this
Long Term Disability Income Plan THIS BOOKLET SUMMARIZES THE PLAN; ARIZONA LAW GOVERNS This booklet is a summary description of the Long Term Disability Income Plan. Changes to or interpretation of Arizona
Member Handbook Regina Civic Employees Long Term Disability Plan Table of Contents About the Plan.. Eligibility and Enrollment.... Contributions Definition of Disability.. Applying for Benefits... Qualifying
LIFE INSURANCE COMPANY OF NORTH AMERICA 1601 CHESTNUT STREET GROUP POLICY PHILADELPHIA, PA 19192-2235 (800) 732-1603 TDD (800) 552-5744 A STOCK INSURANCE COMPANY POLICYHOLDER: POLICY NUMBER: The Hospital
MEMBERS BENEFIT FUND Hourly Construction Division APPLICATION for SHORT TERM DISABILITY BENEFITS L. I. U. N. A. L o c a l 1 8 3 IMPORTANT INFORMATION If you become disabled, while covered, because of either
LONG TERM DISABILITY INSURANCE CERTIFICATE BOOKLET GROUP INSURANCE FOR MONROE CO COMMUNITY COLLEGE SCHOOL NUMBER 704 TEACHERS The benefits for which you are insured are set forth in the pages of this booklet.
WORKERS COMPENSATION, ASSAULT LEAVE, DISABILITY LEAVE BENEFITS FOR MEMBERS OF THE Chicago Teachers Union 111 East Wacker Drive, Suite 2600, Chicago, Illinois 60601 312-861-1800; fax, 312-861-3009 www.potterlaw.org
Short-Term Disability Pay Policy for Hourly & Commissioned Associates POLICY DESCRIPTION Effective March 1, 2016 Effective March 1, 2016, Updated March 2, 2016 1 of 14 Table of Contents Table of Contents...
LONG TERM DISABILITY INSURANCE CERTIFICATE BOOKLET GROUP INSURANCE FOR SOUTH LYON COMMUNITY SCHOOL NUMBER 143 TEACHERS The benefits for which you are insured are set forth in the pages of this booklet.
Long Term Disability Insurance Massachusetts Board of Higher Education STANDARD INSURANCE COMPANY Long Term Disability Insurance Answers to your questions about coverage from Standard Insurance Company
LONG TERM DISABILITY INSURANCE CERTIFICATE BOOKLET GROUP INSURANCE FOR WAYNE WESTLAND COMMUNITY SCHOOLS SCHOOL NUMBER 944 TEACHERS The benefits for which you are insured are set forth in the pages of this
El Paso County Self-Funded Short Term Disability Plan Effective January 1, 2003 Restated January 1, 2011 Index INTRODUCTION... 2 ELIGIBILITY... 2 Eligible Classes... 2 Eligibility Date... 2 POLICY EFFECTIVE
! " #$%&' ( First, an important note from our lawyers. This booklet is intended only as a guide and does not establish any legal rights. It is intended as a summary of the benefits provided at the time
Table of Contents Section 4: Disability YOUR CALTECH DISABILITY BENEFITS... 4.1 Short Term Disability... 4.1 Paid Family Leave... 4.1 Long Term Disability... 4.1 YOUR BASIC AND SUPPLEMENTAL LONG TERM DISABILITY
WORKERS COMPENSATION, ASSAULT LEAVE, DISABILITY LEAVE BENEFITS FOR MEMBERS OF THE Chicago Teachers Union 111 East Wacker Drive, Suite 2600, Chicago, Illinois 60601 312-861-1800; fax, 312-861-3009 www.potterlaw.org
LONG-TERM DISABILITY BENEFITS Revised September 1, 2004 No. 6 (*) 7000CI-U-EZ E O BENEFIT INFORMATION WHY LONG-TERM DISABILITY COVERAGE People tend to take their good health and ability to work for granted.
Short Term Disability Insurance This subsection summarizes the group Short Term Disability Insurance plan available through PEBB. It is a summary only. For full details, see the Certificate of Insurance
Table of Contents SHORT TERM DISABILITY BENEFITS 5.2 Eligibility... 2 5.3 Enrollment... 2 5.4 Plan Cost... 2 5.5 How the Plan Works... 3 Schedule of Benefits... 3 5.6 Recurring Disability... 4 5.7 Duration
Policyholder: Lenoir-Rhyne University Long-Term Disability (LTD) Coverage Effective Date: 1/1/2014 This is a summary of your long-term disability coverage from Principal Life Insurance Company. Long-term
Electrical Pension Trustees Pension Plan No. 2 ABOUT THIS BOOKLET To understand your benefits from the Electrical Contractors Association and Local Union 134, I.B.E.W. Joint Pension Trust of Chicago Pension
Have you or someone you know suffered a personal injury? TIPS TO MAXIMIZE COMPENSATION If you have suffered a personal injury it is important to consider all potential sources of compensation. A personal
LONG TERM DISABILITY INSURANCE PLAN Group Policyholder: The Trustees of Ontario Teachers Insurance Plan (hereinafter called the Policyholder) Plan Sponsor: Group Policy Number: 48073-902 902: OSSTF District
HCA Short-Term Disability Plan As part of the HCA Health and Welfare Benefits Plan, short-term disability insurance coverage through The Prudential Life Insurance Company of America (Prudential or insurance
THE UNIVERSITY OF IOWA Life Insurance Long Term Disability Insurance and Retirement Annuity Protection Insurance 1 2 TABLE OF CONTENTS Page(s) GENERAL INFORMATION... 4-5 Participation in Insurance Programs...
SIPTU Ambulance Services Income Protection Scheme Member Information Booklet - April 2012 Group Policy No: 24104 CONTENTS Section 1 Section 2 Section 3 Section 4 Section 5 Section 6 Object of the Scheme
Your DuPont Benefit Resources Total and Permanent Disability Income Plan July 2008 TABLE OF CONTENTS DETAILS OF THE PLAN...1 PREFACE...1 INTRODUCTION...1 ELIGIBILITY...1 ENROLLMENT...2 COST...2 PLAN BENEFIT...2
Long-Term Disability Insurance Developed for the Employees of City of Colorado Springs (Employees with less than 5 years of PERA Service) (City Council Members) How This Program Protects You If you suffer
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
THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK Long Term Disability Insurance Benefits Guide For The Employees of The State University of New York Answers to your questions about coverage from The Standard
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
The Ohio State University Disability Program Specific Plan Details Program Provisions for: Long-Term Disability (LTD) Short-Term Disability (STD) Plan Year 204 (January December 3, 204) Office of Human
For this plan year, the plan includes the following provisions, subject to change or discontinuation with or without notice at any time. This Summary Plan Description presents an overview of your Benefits.
HEALTHCARE BENEFIT TRUST TO THE EMPLOYEE: QUESTIONS AND ANSWERS ABOUT YOUR LONG TERM DISABILITY COVERAGE For Claimants disabled on or after April 1, 2004 under the: Aboriginal Services Collective Agreement
Benefits through the stages of your life. DISABILITY BENEFITS Table of Contents 1. Disability Benefits Death and Disability Plan...1 Overview.... 1 Eligibility and Enrollment... 3 Disability Benefits....
Chicago Public Schools Short Term Disability Plan Plan Effective Date: January 1, 2012 CPS Short-term Disability Plan rev. 02-25-2013 Page 1 TABLE OF CONTENTS PAGE Introduction...3 General Definitions...4
A Member s Guide to Employment Insurance May 16, 2014 1 Table of Contents Introduction... 3 Amount of Benefit Payments... 3 Weekly Benefit Calculation... 3 Average Insured Earnings Calculation... 3 Clawback
Carroll County Public Schools Classified Employees Sick Leave Bank Carroll County Public Schools 125 North Court Street Westminster, Maryland 21157 (410) 751-3070 (410) 239-9345 TDD (410) 751-3034 8/2007
Date January 1, 2016 Marsh & McLennan Companies This Plan provides you with income in case you can t work for an extended period of time because of an injury or illness. Benefits under Marsh & McLennan
Long Term Disability Insurance Group Insurance for School Employees FERRIS STATE UNIVERSITY INSTRUCTOR,FACULTY,LIBRARIAN Underwritten by Connecticut General Life Insurance Company 1475 Kendale Boulevard
c AK Steel Corporation Voluntary Term Life Insurance IAM Local 1943 Hourly Employees Summary Plan Description Effective March 15, 2007 Table of Contents Introduction... 1 Former Announcements... 1 Eligibility...
GROUP SHORT TERM DISABILITY INSURANCE PROGRAM State of Michigan - Department of State Police CERTIFICATE OF INSURANCE We certify that the Person whose name appears on the enrollment card attached to this
A Guide to Long Term Disability Benefits The University of Maine System is proud to offer a Long Term Disability (LTD) plan to eligible employees. Long term disability is defined as a severe illness or
LONG TERM DISABILITY INSURANCE The long term disability insurance plan (LTD) provides monthly benefits if an employee becomes ill or injured and is unable to work. This income replacement is designed to
Employment Insurance Guide for Employers EI Premium Reduction Program Service Canada Government of Canada Gouvernement du Canada IN-041-05-06 For further information on the Employment Insurance Premium
St. Thomas University Group Policy Number: G0050234 Plan B: Support Staff Employee Name: Certificate Number: Welcome to Your Group Benefit Program Group Policy Effective Date: September 1, 2010 This Benefit
1 STIIP (Short Term Illness and Injury Plan) 1.1 Eligibility (a) Regular employees shall be covered by the Short Term Illness and Injury Plan upon completion of six months active service with the Employer.
Nova Scotia College of Art & Design Plan Document Number: G0080847 Group Policy Number: G0050232 Plan - All Employees Employee Name: Certificate Number: Welcome to Your Group Benefit Program Plan Document
STANDARD INSURANCE COMPANY A Stock Life Insurance Company 900 SW Fifth Avenue Portland, Oregon 97204-1282 (503) 321-7000 CERTIFICATE GROUP LIFE INSURANCE Policyholder: University of Arkansas Policy Number:
Death and Incapacity Cover Retirement Benefits Fund Tasmanian Accumulation Scheme Death and Incapacity Cover Information in this brochure is current as at 18 January 2012 Retirement Benefits Fund Tasmanian
Doctors of BC Physicians Disability Insurance Plan DI Physicians Disability Insurance (PDI) Designed to protect you and your family by providing a source of monthly income if sickness or injury prevents
Long-Term Disability Insurance Developed for the employees of Pennsylvania State System of Higher Education Protecting Your Family Securing Your Future If you re physically healthy, you can work, play,
INTRODUCTION This information booklet has been prepared to give you an informal summary of the main features of your group insurance program. This booklet is not an insurance policy, and does not grant
OPTIONAL BENEFIT APPENDIX TOTALCAREMAX Personal DISABILITY INCOME PROTECTION BENEFIT INDEMNITY This appendix only applies if cover under the policy schedule includes the Disability Income Protection Benefit
Optional and Dependent Life Group Insurance Plan 112687.011 CERTIFICATE OF COVERAGE Unum Life Insurance Company of America (referred to as Unum) welcomes you as a client. This is your certificate of coverage
Long-Term Disability Insurance Developed for the class 1 Employees of Research Triangle Institute Protecting Your Family Securing Your Future As long as you've got your health. If you're physically healthy,
University of Limerick Income Continuance Plan Introduction This explanatory booklet was produced by Willis Risk Services (Ireland) Limited and provides a brief outline only of the main benefits of the
L o n g Te r m D i s a b i l i t y I n s u r a n c e O p t i o n s Long Term Disability Insurance Group Insurance for School Employees INTRODUCTION This booklet will help you understand MESSA's Optional
STATE INCOME CONTINUATION INSURANCE Wisconsin Retirement System ET-2106 (10/2014) Department of Employee Trust Funds (ETF) P.O. Box 7931 Madison, WI 53707-7931 etf.wi.gov Cover photo courtesy of the Wisconsin
Certificate of Insurance Creditor Insurance for CIBC Personal Lines of Credit 13002-2016/03 Page 1 of 9 Table of Contents Note: This is an important document. Please keep it in a safe place. Introduction...2
Summary Plan Description IMPORTANT BENEFITS INFORMATION AT&T East Disability Benefits Program This is an updated summary plan description (SPD) for the AT&T East Disability Benefits Program. This SPD replaces
TotalCare Max Personal Optional Benefit Appendix DISABILITY INCOME PROTECTION BENEFIT AGREED VALUE This appendix only applies if cover under the policy schedule includes the disability income protection
Short Term Disability Plan The Short Term Disability Plan provides eligible Full-Time Employees with short term income protection for absences due to nonworking related disability. Coverage is automatic
Family and Medical Leave Policy (FMLA) Updated May 2015 Babson College complies with the Family and Medical Leave Act of 1993 (FMLA), as amended by the National Defense Authorization Act (NDAA) of 2008
INTRODUCTION Toronto District School Board GROUP LIFE INSURANCE FOR TEACHERS This group life insurance plan, under policy G. 10450 with Canada Life, originated in 1971. It is managed by a joint Management
Balancing Life Advocate Health Care Network Disability Income Protection Summary of Benefits (Amended and Restated as of January 1, 2016) inspiring possibilities What s Inside Introduction...3 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
University of Chicago Long-Term Disability Summary Plan Description June 2007 University of Chicago Long-Term Disability Plan Page 1 Table of Contents Your LTD Benefits... 3 Participating in LTD... 3 Eligibility...
Voluntary Long Term Disability (LTD) Insurance Long Term Disability insurance is designed to pay a monthly benefit to you in the event you cannot work because of a covered illness or injury. This benefit
University College Dublin UCD Income Continuance Plan Member s Booklet September 2014 2 UCD Income Continuance Plan INTRODUCTION This explanatory booklet was produced by Friends First and provides a brief
Page 1 of 5 CIBC Mortgage Disability Insurance and CIBC Mortgage Disability Insurance Plus Your Certificate Of Insurance CIBC Mortgage Disability Insurance ( Mortgage Disability Insurance ) and CIBC Mortgage
UNIVERSITY OF ROCHESTER LONG-TERM DISABILITY PLAN The Long-Term Disability (LTD) Plan provides a monthly income benefit when an individual is totally disabled for more than six months. The benefit provided
GROUP BENEFIT PLAN STATE OF MINNESOTA MANAGER'S INCOME PROTECTION PLAN TABLE OF CONTENTS Group Long Term Disability Benefits CERTIFICATE OF INSURANCE... 2 SCHEDULE OF INSURANCE... 4 Must you contribute
VI. Long-Term Disability Program Table of Contents About This Section...1 An Overview of the Long-Term Disability Program...2 Definition of Disability...2 Long-Term Disability Benefit Options...2 Basic
Group Short Term Disability Insurance Protect Your Employees from Loss of Income Standard Insurance Company Short Term Disability Insurance Your proposed Group Insurance Plan Standard Insurance Company
Employee's Guide to Claiming Disability Benefits and Application for Group Short Term Disability Benefits RWAM DISABILITY MANAGEMENT A division of RWAM INSURANCE ADMINISTRATORS INC. RDM040.01.10 Employee's
Visa MetLife Long Term Disability (LTD) Plan Summary Plan Description Effective January 1, 2015 MetLife LTD Plan i Table of Contents ABOUT YOUR PARTICIPATION... 1 When Coverage Begins... 1 When Coverage