Definition of Disability
The Sun Life Assurance Company of Canada determines the status of each disability. As each disability varies, please contact the Benefit Plans Office or refer to your Plan Booklet for further details.
Benefits
Elimination Period = 90 continuous days. The elimination period is a waiting period during which no benefit is paid. On the 91st day of disability, a worker may be eligible to receive benefits.
Amount of Benefit = 66.67% of the worker's total compensation. Compensation is the sum of a worker's base salary, housing allowance (or value of provided housing) if any, and utilities allowance (if any).
Maximum Benefit = $5,000/month
Minimum Benefit = 15% of the monthly benefit or $100, whichever is greater.
Maximum Benefit Duration
| Your age on date disability begins |
Maximum Benefit Duration |
| Under age 61 |
To your normal retirement age,* but not less than 60 months |
| Age 61 |
To your normal retirement age,* but not less than 60 months |
| Age 62 |
60 months |
| Age 63 |
60 months |
| Age 64 |
60 months |
| Age 65 |
To Age 70, but not less than 12 months |
| Age 66 |
To Age 70, but not less than 12 months |
| Age 67 |
To Age 70, but not less than 12 months |
| Age 68 |
To Age 70, but not less than 12 months |
| Age 69 and over |
12 months |
*Your normal retirement age is your retirement age under the Social Security Act where retirement age depends on your year of birth, as follows:
| Year of Birth |
Social Security Retirement Age |
| Before 1938 |
65 |
| 1938 |
65 and 2 months |
| 1939 |
65 and 4 months |
| 1940 |
65 and 6 months |
| 1941 |
65 and 8 months |
| 1942 |
65 and 10 months |
| 1943-1954 |
66 |
| 1955 |
66 and 2 months |
| 1956 |
66 and 4 months |
| 1957 |
66 and 6 months |
| 1958 |
66 and 8 months |
| 1959 |
66 and 10 months |
| After 1959 |
67 |
Reductions in Benefit
The benefit amount for a disabled worker may be reduced by the following benefits:
- Social Security
- Retirement benefits received from the Employer sponsored retirement program
- Workers' Compensation
- Occupational Disease
- Other group LTD plans maintained by the worker's sponsoring organization
Please note: There will be no reduction in benefits for benefit amounts that are received from an additional individual LTD plan. A worker may collect a benefit from both an individual LTD plan and the WELS VEBA Long Term Disability Income plan.
Partial Disability
Disabled workers who return to work on a part-time basis will be paid a partial benefit based on their loss of earnings (20% minimum loss of earnings required). During the first 12 months of partial disability, the worker may receive up to 100% of pre-disability earnings from the LTD coverage and from his/her part-time earnings. After 12 months of disability, the benefit will be calculated according to the formula outlined in the certificate booklet.
Benefit Limitation
If a disability, as determined by Sun Life, is caused at least in part by a mental, psychoneurotic or personality disorder, benefits are not payable for more than 24 months. Please see your Plan Booklet for more information regarding this benefit limitation.
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