It means that you have been released from the CF and that there is clear and objective medical evidence, which confirms that you are incapacitated by a medically determinable physical or mental impairment, which is preventing you from performing any and every duty of any substantially gainful occupation or employment for which you are qualified by education, training or experience.

The Treasury Board of Canada (TBC) has the governance of the plan, SISIP Financial Services (SISIP FS) is the administrator, and Manulife Financial is the insurer.

The LTD plan covers you 24/7 and provides an income replacement benefit regardless of whether you are injured in the line of duty or not. This application must be clearly separated from the PA, administered by Veteran Affairs of Canada (VAC), which provides compensation for disabilities attributable to military service.

Regular Force:

The TBC pays 85% of the total premiums and you pay the remaining 15%.

Reserve Force:

The TBC pays 100% of the premiums for an established deemed basic salary of $2,000 per month for Primary Reserve Class A or B service of less than 180 days. You may submit an application form to SISIP FS to increase your coverage from $2,000 to either $3,000 or $4,000 per month, determined by an income test. Once the increase in coverage is approved, you must pay the additional premiums. For Primary Reserve Class B service of more than 180 days or Reserve Force members on Class C service, the TBC pays 100% of the premiums, and you are covered for each period of service.

Regular Force:

The LTD benefits equal 75% of your salary on release, less other relevant sources of income* :

Reserve Force on Class C Service and Primary Reserve Force on Class A and B Service:

• For Primary reservists on Class A or B service of 180 days or less, the LTD benefits, when added to income from other sources**, equal 75% of a deemed monthly basic salary of $2,000 or 75% of your additional optional coverage if purchased.
• For reservists on Class C service and Primary reservists on Class B service of more than 180 days, the LTD benefits equal 75% of your monthly salary applicable at the time the injury or illness occurred when added to income from other sources*.

*Other relevant sources of income include:

• The Canadian Forces Superannuating Act (CFSA) benefits;
• The primary benefits under the Canada Pension Plan (CPP) or the Quebec Pension Plan (QPP);
• The monthly PA disability benefits (including the dependent benefits and any retroactive payments)^†; and
• Any employment income.

^†The lump-sum Disability Award under the New Veterans Charter is not considered a "relevant source of income" and therefore does not offset the LTD benefits.

**For the Primary Reserve Force on Class A or B service, other relevant sources of income include all of the above and, in addition, benefits payable under:

• A LTD coverage provided through another employer;
• Other disability employment plans, such as workers compensation;
• An automobile insurance;
• An employee pension plan; and
• The Government Employee Compensation Act (GECA).

Please note that once the Insurer approves your claim, you are paid the full amount of the LTD benefits up front with the understanding that any subsequent awards received under the CPP/QPP or PA, including the dependent benefits for PA and any retroactive payments, will have to be reimbursed to the Insurer and, if applicable, your monthly benefits will be adjusted accordingly .

Yes. However, during the first year you become a claimant all the LTD premiums paid during your military career can be deducted for tax purposes.

Regular Force:

• If you joined the CF on or after April 1, 1982, coverage is automatic.
• If you joined the CF prior to April 1, 1982, you had to apply for LTD coverage and, if you are covered, it is indicated on your pay statement.
• If you wish to apply for coverage, you must submit an application form to a SISIP FS insurance representative or call us at the number indicated at the end of this document. You will also be required to provide evidence of insurability (i.e., answer questions on your health status).

Reserve Force:

• If you are a primary reservist on Class A or B reserve service of 180 days or less, coverage is automatic for each period for which you are "on duty". "On duty" means that you are authorized and entitled to pay during the performance of primary reserve service.
• If you are a primary reservist on Class B reserve service of more than 180 days or a reservist on Class C, coverage is automatic for each period of service and is deemed to be twenty-four hours per day, seven days a week.

• SISIP FS is notified of your medical release;
• SISIP FS verifies your eligibility and informs Manulife Financial;
• Your local Case Manager will give you an LTD claim package; and
• Once all forms are received by Manulife Financial, you are informed of the decision.

Yes. However, you must submit your claim within 120 days after your effective date of release and you must qualify as totally disabled.

Yes. Under specific circumstances, you may receive the same benefits as for LTD for up to three years. The length of the benefit is determined depending on the severity of the dismemberment. The accidental dismemberment must be non-attributable to military service, must occur within 365 days of an accident, and you must be released from the CF within three years of the date of the accident. There is no provision for a lump sum payment for accidental dismemberment in the LTD policy.

If you suffer an accidental dismemberment or loss of sight, hearing, or speech, attributable to military service, you may submit a claim under the Accidental Dismemberment Insurance Plan (ADIP).

FAQ