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Long Term Disability Insurance


Long term disability insurance is provided to all regular, full-time employees. No coverage is provided to regular, part-time or seasonal employees or retirees.

Premiums are paid by the City. There is no waiting period for eligible employees and coverage terminates on the date the employee's employment with the City terminates.

Long term disability insurance is designed to "replace" an employee's income temporarily if he or she becomes disabled from his or her own occupation due to disability, injury, or illness which occurs while covered regardless of whether the disability, injury, or illness occurred on or off the job.

Summary of Plan Benefits

Elimination Period (Waiting Period Once a Disability Occurs and Before Benefits are Paid):
180 Days
Amount of Benefit:
60% of monthly earnings
Minimum/Maximum Amount of Benefit:
$100/$7,000
Maximum Benefit Period:
Varies by Age

Benefits may be reduced by other qualified forms of retirement such as:
1. Any retirement program that is funded in whole or in part by the City;
2. Any life insurance plan provided by the City;
3. The Social Security Act, the Canada Pension Plan, the Quebec Pension Plan or similar plan or act. This includes dependents benefits by reason of such disability;
4. The Railroad Retirement Act. This includes dependents benefits by reason of such disability;
5. Any Workers' Compensation Law;
6. Any No Fault Motor Vehicle Coverage;
7. Any program or coverage required or provided by law or any government agency; or
8. Income from employment, as described in the Benefits Booklet.

No benefit will be payable under the plan for any disability that is caused by, contributed to by, or resulting from one or more of the following:

1. Intentionally self-inflicted injury;
2. War or any act of war, declared or undeclared;
3. Active participation in any riot or violent disorder; or
4. Committing or attempting to commit a felony.

In addition, no benefit is payable for any disability resulting from a pre-existing condition which is defined as any injury, disease, illness, pregnancy, or mental disorder for which the employee did the following within 90 days prior to the employee's effective date:

1. Visited or consulted a physician, hospital, or medical facility; or
2. Took tests or received treatment. This includes but is not limited to taking pills, injections, or other medication to treat any condition.

This exclusion will not apply to a continuous period of disability beginning after the employee has been insured under the plan for a minimum of 12 months.

Disclaimer:
The information provided herein is not meant to create a warranty or right, expressed or implied, to benefits and is provided for informational purposes only. The master contracts and/or plan documents are controlling in the event of errors or discrepancies.
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