Your District provides a sick leave plan for Employees unable to work due to illness or injury for some or all of the period prior to eligibility for Short Term and/or Long Term Disability benefits. Please refer to your Collective Agreement or contact your District’s Benefits Administrator for more information.
Waivers of Premium:
Employees approved for LTD benefits may be eligible to receive a Waiver of Premium for the following benefits, if disability commenced prior to age 65, and disability has been continuous throughout the Elimination Period:
- Basic Life insurance
- Optional Life insurance
- Spouse Optional Life insurance*
- Child Optional Life insurance *
- Long Term Disability
- Basic Accidental Death & Dismemberment insurance
- Optional Accidental Death & Dismemberment insurance
* Waiver of Premium will apply to the Spouse and/or Child Optional Life insurance if the Employee supplied evidence of insurability and was approved at the time of disability for the Spouse and/or Child(ren) Optional Life insurance.
Applications for Waivers of Premium
Life Insurance including Basic Life, Optional Life, Spouse Optional Life and Child Optional Life
If you are eligible for LTD benefits through the BCPSEA, and are applying for a Waiver of Premium for your life insurance, please attach the waiver application form with your LTD application.
If you are eligible for LTD benefits through another benefits program through the District, and are applying for Waiver of Premium for your life insurance, the following steps must be taken:
The Benefits Administrator will complete and submit the Premium Waiver Benefits Application. With the Teachers LTD program being administered through a different carrier, and the district Benefits Administrator not receiving notification of disability approval, there will be a supplemental form required when requesting a Waiver of Premium for life insurance under the BCPSEA Buying Group Plan. The Teachers Employee Statement will need to be signed and submitted to Pacific Blue Cross directly by the plan member, along with the LTD approval letter, in order to process the life insurance waiver application. In turn, the Benefits Administrator will send the Premium Waiver Benefits Application to the Life & Disability Claims Office. All documentation can be sent to the following address:
- Pacific Blue Cross
PO Box 7000
Vancouver BC V6B 4E1
Toll Free: 1-877-222-2583
Pacific Blue Cross will send the Benefits Administrator and the employee a letter to advise whether or not the waiver has been accepted. Pacific Blue Cross must receive the complete Waiver of Premium forms no later than 6 months after the waiting period (which equals the employee’s LTD elimination period).
Once an employee has returned to work after claiming disability benefits, Pacific Blue Cross must be notified. Please fax or mail the Return to Work Notice form using the fax number or mailing address listed to advise Pacific Blue Cross of the employees return to work.