(For the purpose of benefit calculation, the minimum salary shall be equal to Corporal-basic).
Regular Force and Class C Reserve Force:
The LTD benefits for the Regular Force equal 75% of salary on release, less other relevant sources of income*.
For Class C Reserve Force the LTD benefits equal 75% of monthly salary, applicable at the time the illness or injury occurred, less other relevant sources of income*.
Primary Reserve Force on Class A and B Service:
LTD coverage and resulting benefits are based on the class of Reserve service at time of injury or illness.
For Primary reservists on Class A or B service of 180 days or less, the LTD benefits, when added to income from other relevant sources**, equals 75% of a deemed monthly basic salary of $2,700 or 75% of your additional optional coverage if purchased.
For Primary reservists on Class B service of more than 180 days, the LTD benefits equal 75% of your monthly salary applicable at the time the injury or illness occurred, less other relevant sources of income**.
* Other relevant sources of income include:
- The Canadian Forces Superannuation Act (CFSA) benefits;
- The primary benefits under the Canada Pension Plan (CPP) or the Quebec Pension Plan (QPP); and
- Any employment income.
** For the Primary Reserve Force on Class A or B service, other relevant sources of income include all of the above and, in addition, benefits payable under:
- LTD coverage provided through another employer;
- Other disability employment plans, such as workers compensation;
- An automobile insurance;
- An employee pension plan; and
- The Government Employee Compensation Act (GECA).
Please note that once the Insurer approves your claim, you are paid the full amount of the LTD benefits up front, minus the known offsets, with the understanding that any subsequent awards received under the CPP/QPP and any retroactive payments, as of the start date of payment of benefits, will have to be reimbursed to the Insurer. If applicable, your monthly benefits may be adjusted, thereby offsetting those payments going forward.