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.
• Maximum Benefit Duration: To age 65
• Benefit Commencement: 44th Week of Disability
• Eligibility Requirement: Totally Disabled as defined below.
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;
• During the first 12 months of benefit payments, to perform the essential duties of the employee’s own occupation (type of work, not just the employee’s own job); and
• From then on to work at any occupation for which such employee is or may reasonably become fitted by education, training or experience.
The availability of employment will not be considered in the assessment of your disability.
In the case of disability due to mental, psychoneurotic, or personality disorder, you must receive treatment under the supervision of a licensed Physician who either specializes in the practice of psychiatric medicine or who has, by reason of training or experience, a specialized competence in the field of psychiatric medicine.
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.
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 Manulife’s 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 are:
• 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 of 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: $50,000 Manulife Financial Policy #31833
• Extended Health as outlined in the Extended Health section (no dental). Manitoba Blue Cross Policy #7030
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