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Disability Income Benefits

The purpose of a disability income benefit is to provide you with an income should you become disabled and be prevented from working as a result of illness or an accident. This disability benefit (income replacement) is broken into two segments: Short Term Disability (weekly) and Long Term Disability (monthly).

Retired members and inactive members are not eligible for any disability income benefit coverage, whether Short Term or Long Term Disability. Active members who continue to work beyond age 65 can only receive a maximum of 15 weeks of Short Term Disability benefits after age 65, and are not eligible for Long Term Disability benefits.

Disability benefits are subject to income tax. Income tax will be withheld from the payment starting in January 2015. You will receive a T4A at the end of the year showing the total benefits received and total taxes withheld. These amounts must be reported on your income tax return for the year. You should include the T4A with your income tax return.

The illness or accident must occur not more than 60 days after your last day of employment with a contributing employer. If it occurs more than 60 days after your last day of employment, or if you are an owner-member, no benefits are payable unless you are first confined in hospital as a registered bed patient for at least 48 hours, and then eligibility for benefits commences from the date of hospitalization.

No benefits are payable under the Short or Long Term Disability Plans for any disability caused in any way by relating to or arising from an accident involving a motor vehicle or for any period during which a member is receiving, or is entitled to receive, an Income Replacement or Loss of Earnings Capacity Benefit under a motor vehicle insurance plan or policy.

Short and Long Term Disability coverage stops on termination. However, if you are receiving a disability income from the Plan, disability benefits will continue through to their normal term, provided you continue to satisfy the applicable definition of disability.