LONG TERM DISABILITY
Monthly Premium per Unit of $100 of Monthly Benefit
Maximum coverage: $10,000/month
Male
Selected Waiting Period |
|||||
Age at April 1 |
30 Days |
90 Days |
120 Days |
180 Days |
365 Days |
| Under 30 | $ .81 |
$ .42 |
$ .38 |
$ .34 |
$ .30 |
| 30 - 39 | 1.02 |
.55 |
.51 |
.43 |
.38 |
| 40 - 44 | 1.53 |
.94 |
.85 |
.77 |
.67 |
| 45 - 49 | 1.90 |
1.53 |
1.45 |
1.36 |
1.20 |
| 50 - 54 | 3.32 |
2.47 |
2.30 |
2.21 |
1.95 |
| 55 - 64 | 3.72 |
2.81 |
2.64 |
2.47 |
2.17 |
| 65 - 69 | 4.17 |
3.23 |
3.06 |
2.89 |
2.54 |
| 69 | Coverage Terminates |
||||
Female
Selected Waiting Period |
|||||
Age at April 1 |
30 Days |
90 Days |
120 Days |
180 Days |
365 Days |
| Under 30 | $ 1.36 |
$ .76 |
$ .68 |
$ .60 |
$ .52 |
| 30 - 39 | 1.57 |
.89 |
.81 |
.68 |
.60 |
| 40 - 44 | 2.08 |
1.28 |
1.15 |
1.02 |
.90 |
| 45 - 49 | 2.81 |
1.87 |
1.77 |
1.62 |
1.42 |
| 50 - 54 | 3.61 |
2.64 |
2.47 |
2.38 |
2.10 |
| 55 - 64 | 3.72 |
2.81 |
2.64 |
2.47 |
2.17 |
| 65 - 69 | 4.17 |
3.23 |
3.06 |
2.89 |
2.54 |
| 69 | Coverage Terminates |
||||
Eligibity
Members must be insured for life benefits ( a minimum of $10,000) with CAIPW and must normally work a minimum of 20 hours per week.
Maximum Benefit
Coverage may be purchased in units of $100. Your benefit is calculated at 60% of the first $11,668 of Monthly Earned Income, and 50% thereafter rounded to the nearest $100, to a maximum benefit of $10,000/month.
"Earned Income" means the income earned from your employment or profession, after business expenses but before income taxes, in the previous 12 or 24 months, whichever is greater.
If your total monthly income from all sources during total disability exceeds 100% of net after tax monthly earned income prior to total disability, the benefit will be reduced by the amount of excess.
Total monthly income from all sources will include:
- Any monthly income payable under the benefit,
- Payments from an employer or partnership excluding return of capital and/or sale of ownership interest,
- Any disability benefits payable under the Canada/Quebec Pension Plan, excluding benefits for dependents or any cost of living increase,
- Any disability benefits payable under any Workers' Compensation Act or any other government plan,
- Any disability benefits payable under any other association, group or franchise insurance plan,
- Any income from a retirement or pension plan,
- Any damages for loss of income recovered from a third party, arising out of the same circumstances that caused your disability.
DEFINITION OF DISABILITY
Total Disability
You will be considered totally disabled if, due to sickness or injury occurring while insured under the plan, you are unable to perform the essential duties of your normal occupation and are not employed in any other gainful occupation.
Partial Disability You will be considered partially disabled if, due to sickness or injury, you are only able to perform some of the normal duties of your regular occupation or you are engaged in and receiving earned income from any other gainful occupation, providing your earned income is reduced at least 20% from its pre-disability level as a result of the disability.
Benefit Payments
Benefit payments begin after the chosen waiting period has expired and are payable to the earlier of age 65 or recovery. For disabilities occurring between the ages of 63 and 69, benefits are payable for the earlier of 24 months or age 69. Benefits are based on earnings in the 12 or 24 months immediately preceding the disability.
Benefits for partial disability will equal your full insured benefit reduced by the ratio of your earned income received while disabled to your earned income prior to disability.
If you die while receiving benefit payments, a 3 month lump sum payment will be made to your eligible survivor.
Cost of Living Adjustment
Each April 1st, if you have been receiving benefits, your monthly benefit will be adjusted for inflation using the Consumer Price Index, subject to a maximum increase of 5% per annum.
An option to increase the adjustment up to the lesser of CPI or 10%, is available for a 15% surcharge on the current premium schedule.
Recurrent Disability
If total disability from the same or related cause recurs within six months of your return to full-time work, benefit payments will resume without the usual waiting period.
Termination
Your Long-term Disability Insurance will terminate on the date you retire or stop working, other than for reason of disease, injury or pregnancy. For short leaves of absence, coverage may continue for 6 months or to the end of the current premium year, whichever is greater.
Limitations and Exclusions
A claimant must be under the care of a qualified physician and receiving appropriate treatment. Disabilities resulting from self-inflicted injury, active participation in a criminal offence, insurrection or war are not covered.
Claims must be submitted within 90 days of the end of your qualifying period.
Member/Family Assistance Plan (for members with LTD insurance)
(for members/employees with LTD insurance)
The Member/Employee Family Assistance Plan (MEFAP) is a voluntary, confidential, short-term counseling, advisory and information service for you and your eligible family members.
The MEFAP provides professional assistance for a wide range of personal issues, including marital relationships, stress, depression, family matters, misuse of alcohol and drugs, bereavement, childcare/eldercare concerns, financial and legal concerns.
This confidential service is provided at no cost to you or your family. CAIPW pays for the services provided by Shepell-fgi. If long term or specialized counseling is required, your Shepell-fgi counselor will assist you with a referral to a community resource. You would then be responsible for any fees that your Extended Health care or provincial health insurance does not cover.
If you need additional information, or wish to arrange an appointment, call Shepell-fgi at 1-800-268-5211.
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Visit their website at shepellfgi.com/go/members
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