The amount of Short-Term Disability or Long-Term Disability benefit you are entitled to are coordinated with other income payments which you may be entitled to as a result of your current disability. Your monthly benefit amount will be reduced by any other income or benefits payable to you from certain sources, such as the Canada Pension Plan. A full list of income sources is outlined in your benefit booklet.
If you receive a retroactive (lump sum) award from another source listed in your benefit booklet, such as Canada Pension Plan, you must notify Medavie Blue Cross immediately as this may result in an overpayment. If this situation occurs, you will be required to reimburse Medavie Blue Cross the amount overpaid.
The reduction based on other income typically applies to LTD only, however, may apply to STD depending on contract or booklet wording.
For further information regarding this, please consult your benefit booklet.