Members should apply for LTIP when they have been off continuously for three months using STSP credits. Note: It is recommended to apply for LTIP even if the member feels they may be able to return to work prior to satisfying the qualifying period and if they are in approved for WSIB benefits. Members may contact Ontario Shared Services (OSS) at askoss@ontario.ca or at 1-866-979-9300 to request a LTIP package.
Yes, there is a 6-month (continuous) qualifying/waiting period that must be satisfied before Canada Life will pay LTIP benefits.
The date of disability is based on the first day the member was off work continuously for the injury or illness.
The LTIP benefit is 66 2/3 of a member’s gross salary on the date of disability, including any retroactive adjustments which have an effective date on or prior to the date of disability, less statutory deductions. The LTIP benefit is reduced by WSIB benefits, Canada Pension Plan (CPP) or Quebec Pension Plan (QPP) (disability or retirement and the Public Service Pension Plan (PSPP)).
Canada Life is the carrier that pays the LTIP benefit.
Members should contact Ontario Shared Services at 1-866-979-9300 or
askoss@ontario.ca if they have questions about the LTIP application process. Members should contact Canada Life if they have questions about the status of their LTIP claim.
As of January 1, 2013, the LTIP Policy 165923 has been administered by the Treasury Board Secretariat (TBS).
Long Term Income Protection (LTIP) is a benefit that members can apply for if they are off work due to illness or injury beyond 6 continuous months.
If the employer requests medical, the employer is responsible to pay the fee for the completed medical certificate, however in cases were the member has paid the fee, they would claim the cost of the completed medical certificate through IFIS. Members without access to IFIS should contact their work location.
If the employer requests medical, the employer is responsible to pay the fee for the completed medical certificate as per the appropriate fee guide, i.e. the member should never pay for medical requested by the employer.