Members > Pamphlets > Disability and your pension

Sources of disability benefits

LTD

Member Handbook -
Disability - Contributions waived

Disability income may come from one or several sources depending on your individual circumstance. Veteran's Affairs Canada, Employment Insurance and the Canada Pension Plan all provide some form of disability or sickness benefit based on eligibility. These benefits, however have no impact on your CAAT Plan pension. WSIB and LTD benefits do have an effect on your CAAT Plan pension. For more details, contact your College Human Resources representative.

WSIB Disability benefits

Most businesses in Ontario must register with the WSIB and pay the costs of funding WSIB benefits. The most common benefit - “Loss of Earnings” - normally covers the income lost due to a work-related injury or disease. This benefit is indexed to keep up with inflation and offers survivor benefits to Spouses or beneficiaries.

In the case of WSIB partial disability benefits, you accrue Pensionable Service only during the first year of collecting the benefit. For details on WSIB partial disability and the effect on your CAAT Plan pension in the second and subsequent years, contact your College Human Resources representative.

Long Term Disability (LTD) insurance benefits

LTD benefits offered by group insurance plans are meant to provide you with income following an illness or accident that renders you unable to work. You normally qualify for LTD benefits if you are employed and covered by an LTD plan when you become disabled. Your benefit and coverage are dependent on the provisions of your insurance carrier and the terms of your plan.

November 2004