Questions about salary and income
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.
Salary Continuance coverage is similar to Short Term Disability (STD) in that it provides protection for when you’re unable to work for a limited period of time due to an injury or illness. The main difference between Salary Continuance and Short Term Disability (STD) is that your employer manages your salary payments and approves your return-to-work plans based on the recommendations of our in-house disability team.
The decision to provide Salary Continuance or general Short Term Disability coverage is one your employer will decide.
Medavie Blue Cross does not have the ability to stop your salary continuance directly, but we will advise your employer whether your absence from work is medically supported. If the information we receive does not support your inability to perform the essential duties of your job, or if you do not provide medical information to support your absence, our advice to your employer may be that your application for salary continuance should not be supported.
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