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, belairdirect Agency Inc., at  902-453-9543 or 1-800-453-9543 (toll-free).

email: insurance@nstu.ca or GroupBenefitsNS@belairdirect.com

Visit the belairdirect Angency Inc. website: www.belairdirect.com/nstu

Additional Resources

The Teacher's Guide to Disability Benefits explains the income support and disability benefit options available to NSTU members, including eligibility requirements, application timelines, and key contacts. The guide also highlights NSTU supports such as the Member Assistance Program (MAP), which provides confidential services to members during periods of absence from work. 
Further details can be found by visiting the belairdirect My Insurance website .