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Long-Term Disability [LTD]

If you are unable to return to work after two years of illness on salary
insurance, you become eligible for long-term disability (LTD) insurance
if you are under 65 and have signed up for it. This pays you 80% of your
net pre-disability income (tax free) until you are able to return to work.

LTD insurance is compulsory for all permanent teachers at tenure.

You may withdraw from LTD two years before you are eligible to retire
without actuarial reduction to your pension (i.e. you will be 60 years
of age or older at retirement or you will have at least 35 years of service
recognized for pension purposes).

For more detailed information about LTD Insurance:

For current LTD insurance rates, follow the link at the top of this page.


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Last update: April 19, 2012