Total disability under the plan is defined as a disability that prevents you from engaging in any and every duty of your own occupation for three years. Total disability is assessed and determined by Great-West Life based on appropriate medical documentation.
After benefits have been paid for three years, total disability means that you must be unable to perform any and every duty of any gainful occupation (not necessarily at the University) for which you are reasonably fitted by training, education or experience.
A person on disability claim must be under the continuing care of a physician who will submit periodic reports.
Long-Term Disability (LTD) benefits are payable when absence from work due to an illness or injury - which is approved by the carrier as being totally disabling - lasts longer than six continuous months.
Total disability as defined in Queen’s benefit plan must be supported by medical documentation prior to the commencement of LTD.
LTD benefits begin only after you have exhausted the University’s six month sick leave plan.
LTD provides you with a portion of your salary (non-taxable income described below) for the duration of your illness up to the maximum of age 65 provided medical documentation is supported for the duration of your claim.
Monthly premiums are based on a percentage of salary.
This University sick leave plan is administered within each department. A complete description of the sick leave plan is provided in the applicable employee group policy document (e.g. collective agreement, staff handbook).