Long-Term Disability Coverage Tailored to Our Members
The Long Term Disability (LTD) program provides a regular income to Members who cannot work due to illness or injuries not covered under the WorksafeBC.
Since 2003, the PEBT has provided the Core LTD program to all eligible members. As established in Bill-7, the Provincial government funds this program.
The PEBT partners with Desjardins Insurance (Desjardins) to administer and partially insure the Core LTD program.
To be eligible to receive Core LTD benefits, a Member must be ill or injured and unable to work for 120 calendar days. This is called the elimination period. For those Members that work less than 12 months per year, the time not normally worked during the year is not counted toward the fulfillment of the elimination period. See further details in the Frequently Asked Questions section.
Since July 1, 2016, the monthly Core LTD benefit has been set at 70% of a Member’s earnings. This benefit may be reduced by other sources of income. These reductions are called Benefit Offsets and can include benefits such as Canada Pension Plan (CPP).
Because the Provincial government (through the PEBT) pays for the Core LTD coverage, any benefits a Member may receive while disabled will be taxable.
There are a number of terms, conditions, and restrictions related to Core LTD benefits. For more information read the complete plan provisions in the Core Long Term Disability Program (PDF) document.
Members need to apply for any other disability benefits that they are entitled to …
