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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 …

Do I have to pay premiums while on LTD?

While you are approved for long-term disability benefits your premiums for LTD and Basic Life insurance are most likely waived. Be sure to check the wording of your specific policy. Premiums for other insurance policies are not typically waived while a worker’s claim for disability is approved. Common premiums that are not waived include: life insurance, accident death and disability insurance, and critical illness insurance. This means that you have to continue paying for each …

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When should I apply for LTD Benefits?

The best time to apply for Long Term Disability benefits is before you need to rely on them. This means that it is best to make the application while you are receiving benefits from some other source. The two main sources of pre-LTD benefits are: a. Sick Pay Some employers will offer to pay sick days as an employment benefit. Some employees are able to bank paid sick days and carry them from year to …

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NSAHO: LTD Plan Coverage

Your LTD coverage provided a benefit equal to 70% of your pre-disability monthly earnings (max of $20,000) if, after the first 150 calendar days of disability, you are unable to work due to illness or injury. In order to be entitled to the benefit, you must prove that you are unable to do the duties of your own occupation. Any LTD benefit you may receive while disabled will be taxable. The benefit is taxable because …

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Health Association of Nova Scotia Path Program

In November 2017, the EASE Program underwent a rebrand to Path Program. Path stands for Personalized Assistance to Health. The path program, much like the EASE Program before it is an initiative of the Health Association Nova Scotia Trustees. The intent of the Path change was to more accurately represent the services the program provides. In the words of the program director, “the new name more accurately reflects the purpose and essence of the program. …

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Health Association of Nova Scotia: EASE Program

The Health Association of Nova Scotia is a Third-Party Administrator, a liason between the employee, employer, and service provider. It is not an insurance company, but a ‘self-insured’ long-term disability benefits plan governed by a legal trust fund and directed by a Board of Trustees. The Early Assistance and Support for Employees (EASE) program run by the NSAHO Long Term Disability Plan. The purpose of the program is to get you back to work.It is a voluntary and …