LONG TERM DISABILITY
The maximum benefit is $1,000 per month for non-occupational disabilities only. The benefit will be reduced by any disability income (excluding any benefits received from Individual Policies) to the extent that income from all sources shall not exceed 85% of pre-disability earnings.
Long Term Disability Benefits will be paid to you in the event of total disability commencing on the 365th day after disability occurred or the expiration of the Weekly Disability Benefit, which ever is longer. In no event will benefits continue beyond age 65.
Definition of Total Disability
Totally Disabled means that solely because of an illness or accidental bodily injury that is non-occupational, an insured employee is unable to work at any occupation for which they are, or may reasonably become fitted by education, experience or training.
The availability of employment will not be considered in the assessment of your disability.
Rehabilitation Benefit
If you, having been totally disabled for a period at least equal to the qualifying period, enter into a rehabilitation program for which you received remuneration, total disability will be considered to continue during the rehabilitation period up to 24 months from the date of entry into the program.
If you are receiving remuneration from an approved rehabilitation program, the benefit will reduce so that disability income received from all sources does not exceed 100% of pre-disability earnings.
Failure to participate in a rehabilitation program recommended by Manulife Financial will result in loss of benefits.
Limitations:
No benefit will be paid for any disability that results from or is contributed by chronic alcoholism, use of narcotics, barbiturates or hallucinogens unless you are receiving ongoing active professional treatment deemed appropriate for the condition being treated.
Benefit payments may be terminated if you:
Fail to provide proof of ongoing disability when requested to do so.
Do not accept medical care or treatment appropriate for the condition being treated or report for a medical examination by a licensed Physician of Manulifes choice.
Refuse or fail to complete and return or comply with the terms of the Reimbursement Agreement in accordance with the Third Party Liability provision.
Exclusions:
Exclusions applicable to the Weekly Disability Benefit outlined previously in this booklet also apply to the Long Term Disability Benefits.
Recurring Disabilities:
Any two (2) periods of total disability that is:
Due to the same or related cause; and
Separated by return to active full-time work for less than six (6) months.
will be deemed to be one period of disability with only the initial Waiting Period applying, provided the first period begins while you are insured under this benefit..
Pre-existing Condition Limitations
If during the first 12 months that you are insured, you become Totally Disabled, directly or indirectly, because of an illness or injury:
that was treated; or
for which you took prescribed drugs.
during the three month period before the date you became insured, no benefit payments will be made.
If, after the first 12 months that you are insured, but before you have been insured 24 months, you again become Totally Disabled because of the same or a related cause, you must:
Have returned to active full-time work for at least six (6) months, and
Be absent from work for more than the Waiting Period before benefit payments will be made.
Coverage During Disablement
While eligible and collecting Long Term Disability benefits, the following coverage will remain in place up to the date your Long Term Disability benefits terminate:
Life Insurance and Accidental Death & Dismemberment: $50,000 Manulife Financial Policy #31800
Extended Health as outlined in the Extended Health section of this handbook (no dental).
Upon approval of your Long Term Disability claim, the Plan Administrator will contact you regarding the new enrollment form(s) required for the above coverage.
Prairie Teamsters Administration Services Ltd.
209, 7260 - 12 St SE Calgary, Alberta T2H 2S5
Telephone 403-252-6924 - Toll Free1-877-817-7526 - Fax 403-253-3231