Long Term Disability Benefits

Your disability benefits provide you with a continuing income if you are unable to work due to illness or injury. Your Long-Term Disability (LTD) Plan provides 50% or more of your monthly earnings after you have been totally disabled for the qualifying period of 13 weeks to a maximum of $10,000 per month.

You can choose either 50%, 60% or 60% plus a cost of living adjustment, all of which are non-taxable if you were to collect the coverage after becoming disabled. Members will pay the cost of LTD premiums. These premiums will be taken from your monthly paycheque and submitted by your employer along with the cost of your other group benefits. When you pay the LTD premium, benefits paid out to you if you were to claim Long Term Disability would be non-taxable. You continue to receive LTD benefits for as long as you remain totally disabled.

	Option 1	Option 2	Option 3
Benefit	50% of monthly earnings	60% of monthly earnings	60% of monthly earnings
Maximum Benefit	$10,000	$10,000	$10,000
Qualifying Period	13 weeks	13 weeks	13 weeks
Cost of Living Adjustment (COLA)	No	No	Yes (2%)
Termination Age	Age 65 or retirement	Age 65 or retirement	Age 65 or retirement

Note: Your earnings are defined as your regular base salary, plus 30% of your base salary if your employer provides a residence and 100% of your actual cash allowance, plus any cash utility allowance and cash housing allowance (but excluding any car allowance).

You will choose your LTD coverage option at each re-enrollment. If you elect Option 1 at any enrollment and then choose Option 2 or 3 at a future enrollment, evidence of insurability will be required. If you elect Option 2 or 3, evidence will not be required and you can move between Options 2 and 3 during future enrollments without having to provide evidence.