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Nova Scotia Public Service LTD: Disability Payment

How much is your disability payment under the LTD plan? For claims arising from December 31, 2015, and on, the maximum bi-weekly disability payment for an employee covered by the Agreement is 70% of the employee’s normal salary. No more than $2,000 will be paid bi-weekly. Contributions under the Plan usually made by the employee are waived while that employee is receiving disability payment from the Plan. An adjustment for living costs may be considered …

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Nova Scotia Public Service LTD: Manulife

Manulife is the Claims Administrator chosen by the Nova Scotia Public Service LTD Plan Trustees to administer the policy. It is Manulife that will receive your application for Long Term Disability Benefits, assess your claim, advise whether or not your claim has been approved. Many companies turn to large insurance companies to provide the administration of their policies. The Administrative Services Only work for Long Term Disability Plans is a competitive market in Canada. Many …

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Nova Scotia Public Service LTD: Your Rights

Plan benefits are owed to employees who meet the test for disability. The test for disability under the Nova Scotia Public Service Long Term Disability Plan changes based on the passage of time since the onset of the disability. There are two main time periods to bear in mind: own occupation and any occupation. Benefits are owed only for those who meet the test for disability, and only after the Elimination Period has been satisfied. The …

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Nova Scotia Public Service LTD: Coverage

The official document governing the agreement between the Nova Scotia Government and the Nova Scotia Government and General Employees Union (NSGEU) lays out the terms and conditions applicable to participating employers and plan members covered under the LTD Plan. Coverage is a term of employment. The following is the list of employers (as of the time of writing) that are covered by the Nova Scotia Public Disability Plan. The intent of the Plan is to cover Civil …

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NSAHO: Benefit Payment Offset Amount

As you saw in our previous post regarding benefits calculation, the disability benefit formula is 70% of your pre-disability monthly pay. There is, however, a long list of income sources which the Disability Benefits Plan is able to offset against your monthly payment. An offset has the effect of reducing your monthly payment by the full amount of the other source of income. No reductions can be made for disability payment made under the Employment Insurance …

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NSAHO: LTD Benefit Payment Calculation

To calculate the amount of your Long-Term Disability benefit amount payable under the Nova Scotia Health Association LTD Plan you will need to know your pre-disability salary. The monthly salary is determined by taking the amount of your regular pay on the last day of work multiplied by 1/12 of the annualized work hours. A part-term worker payment will be applicable for those who work less than 70 regular scheduled hours. For these workers, work …

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NSAHO: Claim Your Long-Term Disability Benefits

It is your responsibility to provide to the Claims Adjudicator (Manulife) that you are entitled to benefits. Entitlement is shown by establishing that you have an ongoing total disability preventing you from working in your occupation. The process to obtain benefits is commencing by filing a Proof of Claim form which demonstrates that you are Totally Disabled while your were covered under the LTD Plan. Your Proof of Claim form must also clearly show that …

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NSAHO: LTD Termination & Reinstatement

Coverage under the NSAHO Long-Term Disability Benefit Plan will end on the earliest of six different circumstances: Of the circumstances above, the most frequently encounter debated about coverage concern whether the employee is actively at work, or whether the employee’s permanent employment status has actually ended. Termination is not always forever. So long as you have not died, retired, or hit the age limit, coverage can be reinstated. Coverage will be reactivated if the terminated …

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NSAHO: Total Disability Occupation Test

If you are Covered under the Plan, the next question to address is whether you are considered disabled. This is not a simple question to answer in many instances. The test for disability is defined by the Plan and is separated into two phases: Own Occupation and Any Occupation. The bar to meet is “Total Disability”. The definition of Total Disability changes based on the period of time during the long-term disability period. During the …

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NSAHO: Am I Eligible for LTD Benefits?

The Nova Scotia Association of Health Organizations (“NSAHO”) created a health and welfare trust fund, known as the NSAHO Long Term Disability Benefit Plan. The Plan is directed by a Board of Trustees. Benefit payments are paid from the Trust, not the NSAHO or its officers or directors. The NSAHO Long Term Disability Plan is not run by an insurance company. The plan is administered by an insurance company, Manulife. Manulife’s role as the Claims …