Waiting period
n/a
Benefit amount
Units of $10,000
Maximum
$500,000
Child only
Each Dependent Child – 25% of your Principal Sum
Spouse only
60% of your Principal Sum
Spouse and Child
Spouse’s amount will equal 50% of your Principal Sum and each of your eligible Dependent Children will be covered for 15% of your Principal Sum
Waiver of premium definition
Matches Core LTD
Coverage during disability
Optional Accident coverage for a disabled employee will terminate at the earlier of age 65 or 35 years of pensionable service under the Municipal Pension Plan or any other registered pension plan arising out of employment with an Employer and a minimum age of 55, whichever is earlier.
Aggregate limit per accident
Nil
Termination age
Earlier of age 70 or retirement
Spouse definition
Legal Husband or Wife, or an individual who, immediately prior to his or her loss, has been residing with the employee for a period of not less than one (1) year and who has been publicly represented as the Husband or Wife of the employee during such period.
Child definition
Natural children, legally adopted children or step-children of the employee, dependant upon the employee for maintenance and support, and:
a) are under twenty-one (21) years of age and unmarried, or
b) under twenty-five (25) years of age and unmarried and in attendance at an institution of higher learning, or
c) by reason of mental or physical infirmity, are incapable of self-sustaining employment, reside with the employee and are totally dependant upon the employee for support within the terms of the Income Tax Act of Canada
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Conversion privilege
Available
Disclaimer:
This summary contains information about your group benefits plan. This summary provides only brief descriptions of the coverage available. Full coverage details are contained within the Plan documents, including limitations, exclusions, definitions and termination provisions. If there are any conflicts between the summary and the official Plan documents, the official Plan documents shall govern.
The information contained on this website is provided for general information purposes only. Every effort has been made to ensure that this information is accurate, but this site is not a substitute for the official Plan documents, nor is it an employment contract. In the event there is a discrepancy between this website and the official Plan documents, the official Plan documents will prevail. For more information, or if you have questions about the information provided on this website please contact your School District Benefits Administrator.
