If you are on short-term sick leave or unpaid medical leave and unable to work for 26 weeks or more due to illness or injury, you may qualify for long-term disability, which will provide you with a monthly income at a percentage of your regular salary.
Your long-term disability plan is called the Income Replacement Plan (IRP). Sun Life is UBC’s insurer for the IRP.
The information applies to you if you are a member of one of the following employee groups:
- Academic Executives,
- Administrative Executives enrolled in the Faculty Pension Plan,
- Faculty, and
- Staff High Earners enrolled in the Faculty Pension Plan (earning $171,790.00 or more in 2020).
When you should apply
If you are in your third month of absence from work due to illness or injury and it does not seem that you will be able to make a full return to work, you should apply for long-term disability. Call the Benefits Claims & Finance Associate at 604-822-8696 or email firstname.lastname@example.org to learn how to apply for benefits and to obtain the application forms you’ll need.
If you are on an unpaid medical leave
If you have used up your paid short-term sick leave days and have not yet completed the elimination or waiting period for the IRP, you will be placed on an unpaid medical leave. During your unpaid leave, you have the option to continue receiving coverage for your IRP and your other benefits if you pay the full cost of these premiums.
If you are on an unpaid leave of absence during the elimination period, you will receive a Benefits Task in your Workday inbox to make your elections for On Leave benefit plans. Once you submit your benefit elections, a Benefits Partner from Payroll will check that your benefits elections are correct and notify you of the monthly cost.
If you decide not to continue your IRP coverage or fail to pay your premiums, you are no longer eligible to receive IRP benefit payments after the qualification period. Your coverage will be reinstated when you return to active work.
If you are receiving IRP benefit payments, you are expected to make reasonable efforts to:
- recover from your disability, including participating in any reasonable treatment or rehabilitation program and accepting any offer of reasonable modified duties from UBC, and
- obtain benefits that may be available from other sources.
Your IRP benefit payments may be withheld or discontinued if you do not fulfill these responsibilities.
For more information
The outline above is a descriptive summary of the plan and is not a contract. All terms and conditions are governed by Contract Number 100768 with Sun Life Assurance Company of Canada. In the event of a discrepancy, benefits will be paid according to the official document and applicable legislation. For complete details about your Disability Benefit Plan, refer to the Sun Life benefits booklet.
If you were disabled prior to January 1, 2012, please refer to the Sun Life benefits booklet for Contract Number 023218.