Long Term Disability

Effective August 1, 2014 – the NSTU Long Term Disability Plan is mandatory for all members without the ability to opt out unless the following condition has been met:

• Plan member is age 65 or has 35 years of pensionable service less accumulated sick leave.

Cost Sharing

Under the Teachers’ Provincial Agreement/APSEA Agreement, the Employer cost shares monthly premium with members by paying 50%. Some members are grandfathered at 70% of the monthly cost.

Coverage

• 70% of gross monthly salary at time claim commences – taxable
• For long-term claims, benefit reduced by Workers’ Compensation and/or Canada Pension
• Rehabilitation benefit
• Cost-of-living benefit, outside the insurance contract
• Elimination period of 90 calendar days, or accumulated sick leave, whichever is greater
• Benefits payable to age 65
• Pension contributions are made by Member and Employer

Adjudicators

Adjudicated by Manulife Financial

Contact

If you have any questions regarding the above, please call the Administrator, Johnson Inc., at 453-9543 or 1-800-453-9543 (toll-free).

email: insurance@nstu.ca or  nstu@johnson.ca

Visit the Johnson Inc. website: www.johnson.ca

Additional Resources

Further details can be found by visiting the Johnson Inc. Members-Only website.