Benefits While on Leave or Layoff
Benefits coverage continues for some approved leaves and may be purchased for other leaves.
Long Term Disability Coverage
Long term disability (LTD) coverage will not be available if you can’t return from your leave because you are sick unless you purchase coverage and meet the eligibility criteria to qualify for benefits. You need to consider if you want to pay the premiums to have the option of applying for LTD in the event you need it. If you opt to continue LTD benefits, and pay the premium, then you will be eligible to apply for LTD if you are unable to return to work at the end of your leave. You must make this decision at the beginning of your leave. You can’t retroactively opt for LTD coverage.
Benefits While on Leave With Pay
We will continue to fund your benefits coverage while you are on leave with pay but you will continue to be responsible for the employee portions of any benefits that are employee paid (such as group life insurance coverage above $80,000, optional life insurance plans).
Benefits While on Leave With Partial Pay
We will continue to fund your benefits costs based on your reduced pay. If you wish to maintain full coverage for long term disability, you may choose to top-up your coverage to 100 percent.
If you have chosen to top up your coverage, full payment or monthly postdated cheques must be received within 30 days of the beginning of your leave in order to allow for processing time. If payment is not received within 30 days of the start of your leave, your benefits will continue to be funded based on your reduced pay but will not be topped up to 100 percent.
Benefits While on Leave Without Pay
Benefits coverage may be purchased for up to 24 months while you are on leave without pay.
Benefits While on Layoff
If you are laid off for one calendar month or more, benefit coverage can be continued for up to six months for BCGEU employees and up to three months for PEA employees if you apply to continue coverage and pay the premiums. If you are recalled and have not lost seniority, you may be eligible for immediate reinstatement of benefits.
If you would like to pay to maintain your benefits coverage, full payment or monthly postdated cheques must be received within 30 days of the beginning of your layoff to allow for processing time. You will be unable to continue your benefits coverage if payment is not received within 30 days of the beginning of your layoff.