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If a member has 131 sick days when they go off work, their LTD benefit start date will be
after a waiting period of 131 working days. If a member has already used some of their
sick days and only has 100 sick days left, their benefits will start after a waiting period of
110 working days as that is later than their expiration of sick leave. Members may
pursue Employment Insurance sick leave for any unpaid days before the LTD start date.
4) What happens if a member waits for LTD through the waiting period and is
approved for LTD coverage and then returns to work and falls ill with the same
illness? How does the waiting period work for the second LTD claim?
If following the closure of a claim, a member has a recurrence of their disability within
100 working days of their full-time return to work (RTW); they would submit medical
evidence verifying the recurrence and their claim would be reopened. If the medical
condition occurred more than 100 working days from their full-time RTW, they would
need to serve a new waiting period as the claim is treated as a new claim.
5) What is included in the retirement letter template?
The provincial LTD plan design includes termination provisions setting out that when the
member will be 65 years of age or is eligible for 62% unreduced pension (31 years of
credited service with OTPP in combination with an 85 factor less the 110 day LTD
waiting period).
6) If a member submits LTD documentation termination and one week later is in an
automobile accident, is the member still covered by LTD benefits?
If a member qualifies for termination as described they are no longer eligible to receive
LTD benefits in any circumstances. Also see the response to question #5 above.
7) Does a retirement letter to the Board automatically terminate LTD coverage?
Membership in the LTD plan will automatically terminate when a member retires at
midnight of their actual retirement date.
8) If I have reached age 65 or am eligible for a 62% unreduced pension and am still
teaching am I eligible to remain in the provincial LTD plan?
No. Once you reach age 65 or are eligible for a 62% unreduced pension you no longer
qualify to remain in the provincial LTD plan.
9) Will the Board automatically terminate me from the plan and stop deducting LTD
premiums off my pay cheque? Who is responsible for advising the Board that I
am no longer eligible?
Boards are able to manage the age 65 termination provision and termination should
happen automatically. No one other than the member and OTPP knows individual
members credited years of service and therefore individuals will be required to apply for
termination. Application for termination would be recommended when an individual
completes 30 years of credit with OTPP.