NOVA SCOTIA UNION OF PUBLIC AND PRIVATE EMPLOYEES

Welcome to NSUPE On-Line

NSUPE Long Term Disability Plan

NSUPE’s LTD plan is mandatory for eligible members of NSUPE Local 2. You become eligible for coverage once you have a permanent position of 20 hours or more per week.

Highlights of the NSUPE LTD Plan include:

• LTD Plan administered by NSUPE means: (1) easy access to information; (2) member has an advocate with insurer; (3) help returning to work.
   
• LTD Plan provides a non-taxable monthly benefit payment of 60% of your regular wage to a maximum of 85% of your net salary.
   
• LTD Benefit payments are subject to a waiting period of either 90 working days or the duration of your paid sick leave, whichever is greater.
   
• Benefits paid for up to 24 months if you are totally disabled from your own occupation.
• After 24 months, you will be considered eligible to continue to receive benefits if you are totally disabled from doing any work for which you are suited by education, training or experience.
   
• LTD benefits and coverage continue to age 60 or retirement, whichever comes first.
   
• At age 60 you will no longer pay LTD premiums nor will you qualify for LTD benefits.
   
• Pension is protected while you are on LTD.  If you are in the new HRM Pension Plan your contributions are waived by the pension plan. If you are in the old Dartmouth Pension Plan, your pension contributions are paid by the insurer. 
   
• Medical information is considered confidential.
   
• Your medical plan, dental plan and main life insurance plan is fully paid by the employer, even when you are on LTD.
   
• Your LTD benefit is adjusted every January based on the cost of living (CPI) to a maximum of 3%.
   
• Life insurance benefit equal to half your annual salary and is in force until retirement or age 65, whichever comes first.
   
• In appropriate cases, rehabilitation and re-training opportunities are available.

Please Note: this is a brief summary of plan benefits. The contract with the insurer will govern to determine eligibility and benefits in all cases except with respect to medical, dental and main life insurance where the collective agreement governs and with respect to the pension plan where the collective agreement and the pension plan shall govern. Speak to your Union representative or Business Agent if you have any questions.