Member Weekly Disability
Benefit Levels 02, 03 & 04

The Member Weekly Disability Benefit is underwritten by Manulife Financial.

Eligible Members

Waiting Period

Benefit Duration

Benefit Amount

Benefit Integration

Limitation

Taxation

Benefit Description

Disabled

Subsequent Disability

Third Party Liability

Limitations

Examination

Extension of Benefit

Claim Submissions

Other Disability Insurance

Eligible Members
(Under age 75)		 Benefit Levels 02, 03 & 04 (but not to members who are voluntary upgrades)

Members cannot voluntarily upgrade for weekly disability benefits.  That is, benefit levels are based on producer contributions only.
Waiting Period 14 days of continuous disability
Benefit Duration Up to 10 weeks of continuous disability
Benefit Amount Level 02     $700 per week
Level 03     $700 per week
Level 04     $700 per week
Benefit Integration
  • Plan payments will be made for occupational disabilities only if the member is denied Workers Compensation or Workplace Safety & Insurance Board (WSIB) benefits.
  • Proof of ineligibility will be required. 
Limitation In order to receive payments a disabled member must have been actively at or available for work, or, have been actively looking for work with a contributing employer. In addition the member must have:
  • Worked for a contributing employer for a minimum of either 5 days in the 30 calendar days, or 10 days in the 60 calendar days immediately preceding the date of disability;

OR

  • Become disabled within 30 calendar days of the date scheduled to work for a contributing employer and provide written proof of such work commitment for a minimum of either 5 days in the 30 calendar days, or 10 days in the 60 calendar days immediately following the date of disability;

OR

  • A pattern of employment with contributing employers for specific calendar months, or for specific producers, during the 24 months immediately preceding the date of disability that indicates the member would be scheduled to work, if he were not disabled; in which case the member's waiting period would begin on the date the member would have been so scheduled to work.
Taxation Payments received under this benefit are considered taxable income to the member.  Tax will not be withheld from claims payments however, at the end of the year a T4A will be issued to the member for the amount of benefit paid.
Benefit Description If a covered member is disabled for longer than the waiting period (14 days) and is seen and treated by a licensed doctor (M.D.), weekly disability benefit payments will be made for as long as the member remains disabled and continues to be under the ongoing care of a licensed doctor (M.D.) but not for longer than the Benefit Duration (10 weeks).
Disabled Disabled means that solely because of either an illness or accidental injury, you cannot perform your job duties. The disability absence must commence while the member is covered for this benefit.
Subsequent Disability A new Waiting Period and Benefit Duration will start if you return to active full-time work or are available for active full-time work for:
  • a period of 2 weeks before you become Disabled again due to the same or a related cause; or
  • 1 full day before you become Disabled again due to a different or an unrelated cause.
Third Party Liability If you receive disability benefit payments under this plan for loss of income for which there may be a cause of action against a third party, you will be required to complete a Reimbursement Agreement. This will entitle Manulife to be reimbursed for any amount(s), including interest, you recover from a third party for:
  • loss of income
  • medical or dental expenses

Which, together with any amount(s) paid or payable under any of the Benefits of this plan, would exceed your actual loss.

Following notification to Manulife of payment by a third party of any judgement or settlement, further disability benefit payments under this plan will terminate until Manulife has been reimbursed the amount set out in the Reimbursement Agreement.

If a lump sum payment is made under judgement or settlement for loss of future income, no further disability benefits will be paid until such time as the sum of the benefit payments otherwise payable equals the amount of such lump sum.
Limitations No benefit will be paid for:
  • any day you do any kind of work for pay or profit
  • illness or injury for which benefits are payable under the Quebec Automobile Insurance Act
  • the period you are entitled to pregnancy or parental leave by statute, contract or employer agreement
  • any disability covered under any Workers’ Compensation Law or
  • any illness or accidental injury sustained prior to becoming eligible for coverage or prior to the effective date of the plan.

No benefit will be paid for any Disability that results from or is contributed to by:

  • war, whether declared or not;
  • insurrection, rebellion or participation in a riot or civil commotion;
  • purposely self-inflicted injury;
  • your commission of, or attempt to commit, an assault or criminal offence.
Examination Manulife may require you to report for a medical examination as often as is reasonable, by a licensed doctor (M.D.) of their choice. Failure to report for a medical examination may result in termination of your benefit payments.
Extension of Benefit If you are disabled on the date your coverage terminates, you will be entitled to the same benefits as though your coverage had not terminated.
Claim Submissions If you become disabled, contact your Plan Administrator who will provide information concerning Weekly Disability benefit claims and required documentation.  Satisfactory written proof of claim must be submitted within 6 months of the date you become disabled.
Other Disability Insurance If you have your own individual disability insurance benefit coverage, you should check with that insurance company about any impact this Plan’s benefit payments may have on your individual coverage.
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