LTD insurance provides a safety net that replaces your salary and provides protection for your pension plan, should you be unable to work due to illness or injury. The purpose of the LTD plan is to provide coverage for serious disabilities resulting in long periods of absence. Your LTD plan recognizes the highly vulnerable position of most members should they be confronted with a loss of income during a lengthy or permanent disability. Subject to the terms and provisions of the policy, if you are under the continuous active care and treatment of a duly qualified physician, a benefit will be paid for as long as you remain disabled and are eligible for benefits.
LTD benefits are payable after a continuous period of absence from work. The time between the onset of disability and the date which LTD benefits first become payable under your plan choice is the waiting period (often referred to as the Elimination Period). During the waiting period, you could be paid by any combination of Employment Insurance Commission disability benefits, Canada Pension Plan disability benefits or sick leave benefits.
The Ottawa Carleton ETFO/FEEO Long Term Disability Insurance policy is entirely owned by the Elementary Teachers’ Federation of Ontario.
LTD is an income – replacement insurance, payable should an Ottawa Carleton ETFO/FEEO member be unable to perform the essential components of their job. Benefits are paid at a rate of 50% of pre-disability salary, subject to approval by OTIP.
Should you have any questions or concerns about Long Term Disability please contact the Ottawa Carleton ETFO/FEEO, 2nd Vice President, Jennifer Titley, via e-mail or 613-596-3932.