Long Term Disability Plan for B.C. Government Employees
Regular employees can qualify for long term disability (LTD) if they:
- Work in a position that's at least half-time;
- Have six months of active service;
- Have completed six months of Short Term Illness and Injury Plan (STIIP) benefits;
- Are under the regular care of a doctor;
- Have sufficient medical evidence to support their LTD claim;
Since very specific conditions apply, please contact AskMyHR by submitting a service request for details about eligibility, using the category Myself (or) My Team or Organization > Leave & Time Off > Sick Leave. Add “LTD” in the subject line.
Make an application at least eight weeks before your Short Term Illness and Injury Plan benefits end.
You must submit all portions of your completed Long Term Disability Application (PDF, 1.1MB), including the doctor's portion, within four weeks after the Short Term Illness and Injury Plan period. If you fail to submit your application within that time, you'll be presumed to have abandoned your claim; if you haven't abandoned your claim, you must demonstrate to the plan administrator that there were reasonable grounds for not having applied during the prescribed period.
- Read the guide.
- Complete the employee's portion of the application.
- Get your doctor to complete the physician’s portion of the application and supply you with all available medical information—for example, test results, specialist reports and x-rays. These records will help expedite your application.
- Email, fax, or mail the entire package to:
900 - 1075 West Georgia Street
Phone: 1 888 292-4111
Fax: 1 844 816-1038
Once all documentation has been submitted, call Canada Life to check the status of your application.
Employees on LTD are required to:
- Make every effort to manage and recover from the illness or injury;
- Remain under the care of a doctor;
- Provide Canada Life with any requested information about their medical condition, treatment, and possible return to work;
- Fully participate in recommended treatment programs;
- Participate in, and cooperate with, rehabilitation and return to work planning, when appropriate;
- Stay in touch with their supervisor and any other professionals involved, such as an occupational health nurse, injury recovery specialist, or corporate advisor.
Benefits are paid by direct deposit at the end of each month:
- As of April 1, 2019, Bargaining Unit employees receive 70% of the first $2700 of their regular monthly earnings plus 50% of earnings above $2700.
- Excluded employees receive 70% of the first $2,600 of their regular monthly earnings plus 50% of earnings above $2,600.
Please contact Canada Life to report any other income received as a result of illness or injury, such as from WorkSafeBC, ICBC, private insurance, EI, CPP, or income assistance.
While on LTD, you'll continue to be covered for:
- Group life insurance;
- Extended health care;
- Dental plan;
- Health and well-being services, such as short term counseling, healthy living services, nutrition support, personal finance planning, and many more. Learn more about health and well-being services.
- Public Service Pension Plan: Pension contributions are not required while on LTD; however, employees continue their membership and will be credited with pensionable service.
Excluded employees in a flexible benefits plan will continue to receive core benefits, but are required to pay premiums for benefits in excess of core coverage.
Rehabilitation & Returning to Work
Employees and supervisors will need to work together with a Corporate Advisor (during the LTD period) and an occupational health nurse or an injury recovery specialist to achieve the best outcome. Options include modified job duties, reduced hours, or retraining and finding an alternate job if an employee is permanently medically prevented from returning to their own job.
Plan a trial period with your support team for a gradual return to work to readjust and build up endurance. Employees are paid for hours worked during the trial and will continue to receive LTD benefits for hours not worked. If you have questions about your pay, contact AskMyHR by submitting a service request using the category Myself (or) My Team or Organization > Pay > Salaries & Other Wages.
LTD benefits start after the STIIP period ends, provided that Canada Life has reviewed and accepted your application for LTD benefits. Benefits continue as long as you meet the conditions of the LTD plan and remain disabled, but finish on the last day of the month in which you turn 65 (60 for BC Corrections employees).
If you're on LTD and nearing the age of 65 (60 for BC Corrections employees), or for any other questions related to LTD, contact AskMyHR by submitting a service request using the category Myself (or) My Team or Organization > Leave & Time Off > Sick Leave. Add “LTD” in the subject line.
- BC Public Service Agency 2017-2018 Long Term Disability Annual Report (PDF, 710KB)
- BC Public Service Agency 2016-2017 Long Term Disability Annual Report (PDF, 201KB)
- BC Public Service Agency 2015-2016 Long Term Disability Annual Report (PDF, 577KB)
- BC Public Service Agency 2014-2015 Long Term Disability Annual Report (PDF, 660KB)
- BC Public Service Agency 2013-2014 Long Term Disability Annual Report (PDF, 609KB)