If you are unable to return to work after two years of illness on salary insurance, you become eligible for long-term disability (LTD) insurance if you are under 65 and have signed up for it. This pays you 80% of your net pre-disability income (tax free) until you are able to return to work.
LTD insurance is compulsory for all permanent teachers at tenure.
You may withdraw from LTD two years before you are eligible to retire without actuarial reduction to your pension (i.e. you will be 60 years of age or older at retirement or you will have at least 35 years of service recognized for pension purposes).
For immediate access to documentation, including claim forms, our contract, rates, and summary of coverage, visit the La Capitale Group Insurance Webpage.
For more detailed information about our long-term disability insurance plan: