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 is 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
Because very specific conditions apply, please contact AskMyHR for details about eligibility.
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 will be presumed to have abandoned your claim; if you have not abandoned your claim, you must then 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:
Great West Life Assurance Company
900 - 1075 West Georgia Street
1 888 292-4111
Fax: 1 844 816-1038
Once all documentation has been submitted, call Great West 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 Great West 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 contact with their supervisor and any other professionals involved, such as an occupational health nurse or early intervention and return to work specialist
Benefits are paid by direct deposit at the end of each month:
- Bargaining unit employees receive 70 percent of the first $2,300 of their regular monthly earnings plus 50 percent of earnings above $2,300
- Excluded employees receive 70 percent of the first $2,600 of their regular monthly earnings plus 50 percent of earnings above $2,600
Please contact Great West 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 will continue to be covered for
- Group life insurance
- Extended health care
- Dental plan
- Medical Services Plan
- Health and well-being services such as short term counselling, 12 Weeks to Wellness, 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 who have an early and gradual return to work while they continue to get well enjoy a more complete recovery and have fewer long-term complications. Employees and supervisors are encouraged to work with an early intervention and return to work specialist and an occupational health nurse to achieve the best outcome. Options include modified job duties, reduced hours, retraining and finding an alternate 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. Contact AskMyHR with any questions about your pay.
LTD benefits start after the STIIP period ends, provided that Great West 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 corrections employees).
- Read the LTD Guide (PDF, 1.2KB) for more about the coverage period
- Contact AskMyHR if you are on LTD and nearing 65 (60 for corrections), or for any other questions related to LTD