1. When can an employee apply for the OMERS Disability Waiver?
Employees are eligible to apply for an OMERS disability waiver beginning on the 1st day of their 5th month of absence. If approved, the employee continues to accrue pensionable service credits until such time as retirement, death, return to work or when the employee is no longer considered by OMERS to be disabled.
Staff in the Pensions Section will provide notice to OMERS that an employee has been off due to illness and OMERS sends a Disability Election Form directly to the employee. The employee provides the required information directly to OMERS for a decision.
If you require further information, please contact Pensions at 2-8075 or 7-4408.
2. If an employee continues to be disabled and eligible for LTD when do benefits cease?
Employees who pass definition change continue to receive LTD benefits as long as they qualify and continue to adhere to the terms of the contract. LTD benefits cease at the end of the month in which they reach age 65, retire, return to work or become deceased.
3. When an employee is no longer in receipt of LTD benefits how long are health, dental and group life insurance benefits paid by the City?
Employees who are not in receipt of income through the City of Toronto or LTD benefits through the Benefit Carrier, will have their benefits protected with the City paying the premiums in accordance with the benefit protection period outlined in the various collective agreements for unionized employees and City Policy for management and non-unionized employees. If employees are unsure of their entitlements, they should contact their Benefits Representative for information.
4. Who informs the employee that they are responsible for paying these benefits after one year?
The Payroll Processing section of the Finance Division will notify the employee's division six weeks prior to the expiry of the employee's benefit protection period. If the employee is still unable to return to work, the division must ensure that Payroll Processing is notified by memo or email from the employee's supervisor/manager of the extension of the leave of absence after the benefit protection period. Payroll will then process the extension of the leave of absence (with no City-paid benefits) on SAP at the end of the protection period.
Prior to the end of the protection period, the Benefits and Employee Services Section of the Finance Division will write to the employee to advise him/her of the option to continue benefits.
If you require further information please contact Benefits and Employee Services at 2-8121.
5. Can an employee go back on sick leave or use vacation when LTD benefits are terminated if they have not returned to work?
An employee can use sick or vacation credits when LTD benefits are terminated. He/she must also begin providing medical notes to confirm eligibility for absence due to illness in accordance with the collective agreement and related corporate policies.
6. How many times can an employee appeal the LTD decision?
The employee can appeal the LTD decision as often as he/she wishes, but an appeal must provide additional medical information which has not previously been reviewed.
7. How is the City notified that an employee is to be terminated from LTD?
Benefits and Employee Services, Employee Health and Rehabilitation and the HR Disability Management Consultants are notified by the LTD carrier that an employee is to be terminated from LTD. In the majority of cases EH&R has been working with the LTD carrier prior to the termination of benefits as part of the rehabilitation process.
8. Are medical notes required when an employee is on LTD?
Medical notes to the division are not required while an employee is on LTD. Medical information is required by the LTD carrier regularly as part of the ongoing claim. However, before and after an employee is on LTD he/she must submit notes to the division according to the collective agreement and related corporate policies.
9. What happens if an employee is not approved for LTD?
If an employee is not approved for LTD he/she is responsible for continuing to provide medical notes according to the collective agreement and related corporate policies. Human Resources may need to be consulted as further medical/functional information may be required in order to determine fitness to return to work.
10. If an employee uses his/her sick bank or any other available credit beyond six months and applies for LTD later, is the definition change also extended?
If an employee chooses to continue using sick bank rather than applying for LTD at the eligible six month mark, the clock is still ticking for LTD and the definition change date will still be two years after an employee has been out of the work place for six months.
If an employee leaves work on January 1, 2006, his/her eligibility date for LTD is July 1, 2006. If he/she keeps using his/her sick bank until it runs out on September 1, 2006 and then goes on to LTD, the definition change date is July 1, 2008, not September 1, 2008.