After a specified elimination period during which an member is “totally disabled” and unable to perform the essential duties of their own occupation, the member may qualify for Long Term Disability (LTD) benefits. If the LTD claim is approved, select benefits may continue on a non-premium paying basis under the Waiver of Premium provision.
- Premiums for Long Term Disability will be waived commencing the first of the month following completion of the LTD elimination period, until such time as the disabled member returns to active full-time employment, or reaches age 65.
- Subject to the Recurrent Disability provision under this benefit, LTD coverage will be reinstated upon the member’s return to work and premiums will be charged commencing on the first of the following month.
- If the member’s benefit coverage is terminated during the Short Term Disability period, and the LTD claim is denied, the member must be treated as a new member upon return to Active Work with their employer, meaning the waiting period must be served, and the Pre-Existing Condition limitation starts over.
Tip!
- Names or direct email addresses for GroupSource Disability Case Managers are not to be distributed. Instead, please ensure that your members contact the Disability Claims Administrators by email at disability@groupsource.ca
- Even if your plan does not have Disability benefits, it is important to advise GroupSource as soon as possible when a member becomes disabled and is not actively at work. We can assist you and the member in the application for Waiver of Premium, if applicable.
- If a member turns 65 while receiving Disability benefits, you must advise them of their right to convert some or all of their insurance benefits.
- For more information on how to submit a claim for LTD, please refer to “Long Term Disability Claims”.