Members > Pamphlets > Disability and your pension

When does disability end?

LTD

Member Handbook -
Disability - Contributions waived

Terminating your employment

Member FAQ -
Termination of Employment

Member Handbook -
Terminating

Retiring

Member Handbook -
Normal Retirement Pension

Planning to leave your job or retire?

Survivor Benefits

Member Handbook -
Pre-Retirement Survivor benefits
What if I Die Before I Retire?

Your Employer will advise the Plan when your period of disability is over. You cease to be considered disabled for the purposes of the Plan when you:

stop receiving LTD or WSIB benefits and return to work
terminate your employment
retire, or
die,

whichever comes first.

Upon your return to work

Once you stop receiving LTD or WSIB benefits and return to active employment, you and your employer will resume contributing to the Plan. In the future when you retire, your benefit will be based on your Highest Average Pensionable Earnings and the Pensionable Service you have accumulated in the Plan, which includes the period of Pensionable Service you accrued while you were disabled.

Once you terminate your employment at a College

If you do not return to work at a College after your period of disability has ended, and you have not reached retirement age, you will be considered to have terminated your employment and your membership in the Plan will stop. Based on the Plan's termination options you may be eligible to take the Commuted Value of your pension or defer your pension. In any case, your benefit will be based on your Highest Average Pensionable Earnings and the Pensionable Service you accumulated up to your date of termination, including the period you accrued while you were disabled.

When you retire

If your disability continues until your normal retirement date (the month in which you turn 65) or the date you become eligible for an Early Retirement pension, you can begin collecting the benefit you earned in the CAAT Plan. Your pension will be based on the Highest Average Pensionable Earnings and the Pensionable Service you have earned up to your retirement date, including the period of Pensionable Service you accrued while you were disabled. Your pension is calculated the same way as pensions of Members who are not disabled, however your Pensionable Earnings during the period of disability are deemed, not actual, earnings.

Upon your death

If you pass away while you are collecting disability benefits, you will have died as a Plan Member and your survivors will receive the death benefit options applicable to death in service. Any death benefit payable to your beneficiaries will be calculated based on your Highest Average Pensionable Earnings and the Pensionable Service you earned up to your death, including the period of Pensionable Service you accrued while you were disabled.

November 2004