Disability benefit
All active members are eligible to receive a disability benefit. Applications are submitted to an external insurance company for assessment, as this benefit is not provided within the Fund itself.
You would be regarded as disabled and entitled to a monthly disability benefit if, after a six-month waiting period, you are judged to be totally incapable of engaging in your own occupation as at the date of disability (last day actively at work).
If your application is approved, you will receive a disability benefit equal to the sum of 62% of your pensionable salary, until whichever of the following occurs first:
The insurer has the right to request that your medical condition be reassessed after two years. If such an assessment proves that you are capable of engaging in an alternative occupation, your disability income benefit will cease. If you are still considered disabled after two years, benefits will be paid until recovery, normal retirement age, or death – whichever occurs first.
While you are receiving a disability benefit, you remain a member of the Fund, and you still qualify for death benefits. The employer continues to make contributions for you until the end of the month in which you turn 60.
To apply for this benefit, or for more information, please contact your Human Resources Practitioner.
To apply for this benefit, or for more information, please contact your Human Resources Practitioner.