Long Term Disability
What You Need To Know Before Applying For Coverage
To apply for Long Term Disability Insurance, applicants must be a member of the Canadian Veterinary Medical Association, under age 65, working full time, and residing in Canada.

Medical evidence of good health is required when applying for benefits. Applicants must therefore complete the medical and financial information section on the application form. If further information is required, applicants will be notified.

Effective Date
Coverage becomes effective on the first of the month following approval of your application.

Amount of Coverage
Coverage is calculated at 66.67% of the first $2,750 and 40% of exceeding salary. Coverage is available in units of $100 from a minimum monthly benefit of $500 to a maximum of $10,000, depending on your income.

Benefit Period
Benefits are payable to age 65 if your disability is due to an illness and payable for your lifetime if a disability is due to an accident. If your disability occurs after age 63, benefits are payable for a maximum of two years regardless of whether your disability is due to an illness or accident; however, there will be no payments beyond age 70.

Elimination Period
This is the period of time during which you must be totally disabled before benefits begin. You may select one of the following elimination periods: 30 or 90 consecutive days.

Waiver of Premium
One-twelfth of your annual premium will be waived for each month you receive disability benefits.

Definition of Total Disability
You will be considered to be totally disabled as long as you are under the care of a physician and unable to perform the regular duties of your pre-disability occupation and you are not engaged in any other gainful occupation.

Transplant Donor/Cosmetic Surgery
Disabilities due to cosmetic surgery or as the result of being a transplant donor are covered as a sickness after the coverage has been in force for six months.

Recurrent Disability
If you return to work but become disabled again within six months from the same or related cause, it shall be treated as the continuation of the same disability and benefits would resume.

Presumptive Disability
If you suffer a total and irrevocable loss of speech, hearing, or use of two limbs, you will be entitled to full benefits whether or not you are gainfully employed or under a care of a physician.