Benefits Handbook

The Rehabilitation Benefit can help you regain your self-sufficiency as soon as possible. While you are disabled and receiving benefits, the Individual Disability Insurance Plan may pay rehabilitation expenses not covered by other benefits.

The Work Incentive Benefit, a feature of the residual disability benefit, provides when you return to work on a part time basis, short-term monthly benefits during the first twelve months of a compensable residual disability. These short term incentive benefits are equal to the difference between your pre-disability earnings and your current earnings, for up to 100% income replacement subject to the maximum benefit amount.

The Residual Disability Benefit is a benefit that pays when you come back to work but are still unable to perform some job duties and incur a loss of earnings of at least 20%.

The Recovery Benefit provides a benefit for up to one year if you fully recover, return to full-time work in your occupation but you continue to lose earned income due to your prior disability. This benefit is paid while you re-establish your earnings base. The amount you are paid is based on the percentage of earnings you lose.

If you are able to return to work part-time and experience at least a 20% reduction of income due to your disability, a partial benefit will be paid in proportion to the reduction in your income.