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Long Term Disability Benefits

The purpose of the Long Term Disability (LTD) benefits is to provide regular employees a source of income should they suffer an illness or injury which prevents them from working. Long Term Disability Benefits are adjudicated and paid by an insurer.

Under the PCA, there is a five (5) month qualifying period for LTD benefits, during which an employee must be continuously unable to perform the essential duties of their own occupation (“own occupation category”). Should an employee remain unable to perform the essential duties of their own occupation beyond this qualifying period, LTD benefits are payable for up to 24 month. An employee may qualify for LTD benefits beyond the initial 24 months if they remain totally disabled from performing the essential duties of any gainful occupation. LTD benefits provide up to 70% of the employee’s regular salary. Link to Appendix A and B

Appeals

The BCNU Occupational Health & Safety (OH&S) Department supports and assists members in appealing the denial or termination of LTD benefits. If you disagree with a decision you receive from the insurer and wish to discuss the decision or file an appeal, please contact the BCNU switchboard at 604-433-2268 or 1-800-663-9991 for the name of the LTD advocate assigned to your region.


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