Information Box Group
Long Term Disability Frequently Asked Questions
Update June 22, 2020
McMaster University’s Long-Term Disability (LTD) plan is an income protection benefit plan for eligible employees who become totally disabled as a result of non-work-related illnesses or injuries. McMaster’s LTD plan provides a benefit to eligible members of Faculty, Librarians, Unifor, The Management Group (TMG) and Others(including unranked faculty and employees of affiliate employers), who become totally disabled while covered by the Plan. The LTD plan is 100% employee-paid and participation in the LTD plan is mandatory and is a condition of employment for eligible employees. The threshold for entitlement to LTD benefits is based on total disability. Sun Life, as the LTD provider, reviews medical documentation and determines the level of disability and entitlement to benefits. The goal of the LTD program is to incorporate treatment programs geared toward return to work, as appropriate, and return employees back to work as soon as possible.
The University has a variety of programs designed to lessen the duration of absences due to illness or injury. This includes management of medical leaves during the Salary Continuance entitlement period, supportive return to work initiatives, and providing workplace accommodations to assist employees with return to work. McMaster also provides accommodation to employees to enable employees to stay at work.
All of these programs and policies are aimed at providing support to employees and reducing the number and duration of employee absences.
Long-Term Disability coverage will end the earlier of:
- June 30th following the day you reach age 65.
- the day you retire.
- the last day of the month in which you die.
Members of the pension plan who are on LTD and are approaching the end of LTD coverage should notify Human Resources Services to submit their intent to retire to ensure a smooth transition between LTD payments and their pension payments.
Updated June 22, 2020
This webpage is not intended to have legal effect. In the event of any discrepancy or inconsistency, the official Plan text will govern.