The Disability Benefit Plan (DBP) for CUPE 116 is an employee-funded fully-insured plan that provides you with a monthly income if you are unable to work for six months or more due to illness or injury.
This information is effective April 1, 2013.
Eligibility for Coverage
When Coverage Begins
When Coverage Ends
Eligibility for Benefit Payments
How to Apply
Monthly Benefit Payment Amounts
Reductions and Limitations
Cost of Living Adjustment
Other Group Benefits
Returning to Work
Your Responsibility During Total Disability
Termination of Benefit Payments
Further information on applying for benefits from the Disability Benefit Plan (including application forms) is available by calling the Disability Benefits Claims Assistant at 604-822-8696.
Important note: This is only a brief overview of the plan. For complete details, refer to the Sun Life Benefits Booklet for Group Policy 100328.
If you were disabled prior to April 1, 2013, please see information in the Sun Life Benefits Booklet for Group Policy 23218.
All continuing full-time and part-time employees who work at least 20.0 hours per week will automatically be enrolled in the Disability Benefit Plan on their date of hire for appointments of 12 months or more, if you are hired prior to your Normal Retirement Date (last day of the month in which you turn age 65).
The Disability Benefit Plan is an employee-paid benefit, and any benefits received are non-taxable income for those on the plan.
The current contribution rate is 2.30% of a member’s monthly salary, and is automatically deducted from your paycheque once you meet the eligibility criteria.
Your coverage begins on the date:
If you are not actively working on the date coverage would normally begin, the coverage will not begin until you return to active work with the University.
If you go on an unpaid leave and elect not to continue DBP contributions, your DBP coverage will be reinstated upon your return to active work.
Coverage under the plan will end on the earlier of the following dates:
To receive benefits, you will be considered eligible if you are continuously unable due to an illness to do any occupation for which you are or may become reasonably qualified for by education, training or experience. An illness is a bodily injury, disease, mental infirmity or sickness. Any surgery needed to donate a body part to another person which causes total disability is an illness. See Reductions and Limitations for more information on limitations.
When applying for DBP benefits, you will be asked for proof that you became totally disabled while covered and that you have been following appropriate treatment for the disability since its onset.
DBP benefits are payable after you have been totally disabled for an uninterrupted period of six months (also known as the elimination period).
The elimination period is the period which must be completed before disability benefits become payable. The elimination period is six months commencing from the date your total disability prevented you from working.
However, if your period of total disability is broken by one or more periods before the elimination period has been completed, and the interruption is less than 30 days, the periods of disability can be accumulated to attain the six months, provided they are accumulated in one 365-day period.
During your third month of absence from work, we encourage you to apply for benefits from the Disability Benefit Plan. Further information on applying for benefits (including application forms) is available by contacting the Disability Benefits Claims Assistant at (604) 822-8696.
It’s important that the information in your application is complete to avoid any delays in setting up your DBP payments. From time to time, the Plan Administrator will request further information about the applicant, which can take time to process.
Note: you must file your DBP claim no later than six months after the elimination period (also six months), or you will not be eligible for benefits under the Disability Plan.
Once you have applied, your first DBP benefit payment is made on the first month after your elimination period expires, or as soon as possible after this time.
If you become totally disabled during a lay-off or approved leave and your coverage continues during this time, you will be eligible for benefit payments following your recall or scheduled return to work to full-time. You must have been totally disabled for an uninterrupted period of six months and still be totally disabled on the date you are recalled or scheduled to return to full-time work.
The monthly benefit is calculated as follows:
70% of the first $500.00 of your basic monthly salary, plus
60% of the next $500.00 of your basic monthly salary, plus
40% of your monthly salary in excess of the first $1,000.
For example, based on a monthly salary of $3500.00:
70% of $500.00 $350.00
60% of $500.00 $300.00
40% of $2500.00 $1000.00
Total monthly benefit $1650.00
The maximum monthly benefit is $3500, and net monthly payments from DBP are not subject to Income Tax. (See Reductions and Limitations for information on net payments)
Changes in the amount of coverage may occur as a result of an employment status change or a change to the Plan. Any resulting changes take effect on the date of the change in status or Plan. If you are not actively working when the change occurs, the increase does not take effect until you return to active work.
Please refer to Other Group Benefits for more information on benefit coverage while you are receiving DBP benefits.
If you are entitled to receive benefits from other sources as a result of your disability, the amount of benefit paid under this plan may be reduced by additional sources of income, such as the following:
If your monthly DBP benefit plus the above sources of income exceed 85% of your pre-disability basic earnings, your monthly DBP benefit will be reduced by the excess. The maximum DBP benefit payable is 85% of your pre-disability basic earnings after income tax.
If you are eligible for any of the benefits from other sources listed above and you do not apply for these benefits, the Plan Administrator will still consider them part of your income and will estimate the amount you would be eligible for, had you applied.
DBP benefits are not paid for disabilities resulting from:
You must reside in Canada to receive DBP benefit payments.
A cost of living adjustment will be applied to your monthly benefit each January 1st. The adjustment will be based on the percentage increase to the Canadian Consumer Price Index to a maximum of 3%.
Making a claim under the Income Replacement Plan doesn’t mean that your other group benefits with UBC end. If you were enrolled in the following benefits on the date prior to being accepted on DBP claim (the start date of receiving DBP benefits), the following benefits will be maintained by the University per the terms of the plan provided your employment status with the University is not terminated:
The DBP premiums normally payable by you will be suspended while you are receiving monthly DBP benefits.
With proof of total disability, other benefits premiums, such as Optional Life/Accidental Death and Dismemberment and Spousal Optional Life Insurance may be waived by Sun Life Canada, the University’s life insurance carrier. If you are covered for these benefits, UBC’s Disability Benefits Claims Assistant will apply for waiver of premiums on your behalf at the time your DBP claim is submitted.
Please note the following regarding the Staff Pension Plan:
If you were approved for DBP benefits prior to July 1, 2009: you will continue to accrue pensionable service without being required to contribute to the Staff Pension Plan.
If you were approved for DBP benefits on or after July 1, 2009: you will no longer accrue pensionable service unless you contribute both the employer and employee portion to the Staff Pension Plan. Since this may or may not be to you advantage, contact the UBC Staff Pension Office at (604) 822-1889 to discuss your options.
If you are participating in a rehabilitation program, please see below:
If you are participating in a Rehabilitation Program (Gradual Return to Work from Total Disability)
For more information on the cost of benefits, click here.
You may be required to participate in a rehabilitation program approved by the Plan Administrator.
It may include the involvement of a rehabilitation team (consisting of a rehabilitation specialist, your physician, your department and UBC’s Return to Work coordinators), part-time work, working in another occupation or vocational training to help you become capable of normal work week employment.
During your rehabilitation program, you will continue to be eligible for DBP benefits. However, the DBP benefits will be reduced by 50% of the income you receive under the rehabilitation program. During any month, the total income you receive from all sources cannot be more than 100% of your pre-disability basic earnings (after income tax if the benefit is non-taxable), indexed for inflation. In cases where the total income exceeds this limit, the DBP benefits will be reduced by the excess. Benefits will be paid for a maximum period of 24 months.
After a disabling accident or illness, many people return to work gradually. The Return to Work Program can help to coordinate this.
While you are gradually increasing your work activity, and being paid for the time you work, your DBP benefit will be replaced with a rehabilitative subsidy. Your net income will increase as the amount you work also increases. The combination of your rehabilitative subsidy plus the net salary will not be greater than your pre-disability net earnings as of the time your total disability began.
After you have been on a DBP claim, you will be instated immediately, if:
If you are disabled because of accident or illness not related to your first disability claim, this is treated as a new claim, and will be subject to the usual six month elimination period, and eligibility criteria.
During any period of total disability you must make reasonable efforts to:
If you fail to do any of the above, the Plan Administrator may withold or discontinue benefits.
As long as you continue to meet the eligibility requirements, you will continue to receive DBP benefit payments up to the following date, whichever occurs first:
Benefit payments may cease before the dates mentioned above, if: