Notification Process
Members are asked to notify the plan if they are absent on sick leave for more than 10 consecutive workdays. As well employers are asked to notify the plan of any plan member who is absent on sick leave for more than 10 consecutive workdays. At the notification stage a case manager or other plan employee will contact the member to provide information, review options and discuss whether a claim application should be initiated.
Notification allows us to make early contact with members and initiate supports if required. This also allows us to explain the qualifying criteria and initiate the Disability Claim process if necessary, explore your financial options and provide any other information or required forms.
Rehabilitation Program
DBP provides claimants with a wide scope of services to assist the claimant to regain full functioning. These services are offered by the case manager or through a network of service providers and medical professionals to support the rehabilitation of claimants. Services can include rehabilitation consulting, medical consulting, physical and occupational therapy, equipment required for rehabilitation, psychiatric counseling, human resource support services, career counseling and re-training.
Income Replacement Program
The Income Replacement Program is a core component of the benefits available to covered members. It provides income for claimants while they are away from work and not earning income. To be eligible for income replacement a claimant’s claim must be accepted and must meet the qualifying criteria.
Qualifying criteria Eligible claimants who have been absent from work due to a disability for more than 80 consecutive working days or who have expired there sick leave credits whichever is longer may receive income replacement.
Benefit Levels The level of income replacement is 80 per cent of net pre-disability income. Net income is calculated by subtracting the following standard payroll deductions from the member’s pre-disability gross or insured pay:
Claimants approved for Income Replacement will receive monthly income replacement payments at the end of each month. These income replacement payments are not taxable.
Financial options There are times when members who make application for disability benefits under the Plan do not have 80 sick leave days credit. These members should discuss their situation with their case manager. There may be other options available to these members such as short term disability insurance or short term employment insurance coverage which could bridge this income gap.
MTS Disability Benefits Plan
Notification, Rehabilitation & Income Replacement
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