11
condition arises during the LOA and they are not able to RTW on their scheduled RTW
date. LTD premiums are required during a LOA. If a member does not remit premiums
during the LOA they continue to owe the premiums to the plan and the premium required
during the LOA will be collected by the employer via retroactive premium deduction upon
the members Return to Work.
15) How far can the Board go in collecting premiums from members on a LOA?
In order to avoid financial hardship on return to work employers are being asked to limit
the retroactive premium collection to the equivalent of double deduction of regular
premium due.
16) If a member is on a LOA and they fail to pay, will they be covered?
Yes. Payment of premium is required for continuous coverage. OTIP will continue to
keep the coverage available assuming that retroactive premiums will be paid. Also see
#14 above.
CAREpath Cancer Assistance Program
1)
Who can access CAREpath services?
All members who have LTD coverage through OTIP may access CAREpath. This includes
member’s spouse and children up to age 25.
2)
Is it a consultation service?
CAREpath is a cancer assistance program. Their oncology nurses provide guidance and
support to our members and their family. The nurses consult with their oncologists for
each case. They are more of a support service than a consultation service.
3)
Are they a second opinion?
They are not technically a ‘second opinion’ company. However, as a first step in all cases
they review all tests and results. So while they are providing a second opinion that is just a
small part of their entire process.
4)
Do they talk to your family doctor?
CAREpath works with your family doctor only with your permission. For example, if they
feel the member should move to another treating location, they would suggest to the
member that they have their family doctor make the referral. They will talk to the family
doctor in many cases, but this is not the norm. At the onset of their services, a letter is sent
to your family doctor with permission introducing CAREpath’s services and role.
5)
Do they review medical documentation?
Step one when someone phones CAREpath is for the individual member to sign an
authorization (release of Information), which allows CAREpath access to his/her medical