Illness and Injury

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FAQ


​Select type of coverage below:
​Short Term Disability Benefits
​Long Term Disability Insurance
Critical Illness Insurance
​Dependent Insurance
Accidental Death and Dismemberment Insurance

Short Term Disability Benefits

Am I entitled to these benefits?
Yes, if you are a full-time or part-time management employee short-term disability benefits are paid from the Disability Income Security Program (DISP).
 
When am I eligible to get these benefits?
When your manager or immediate supervisor is satisfied that you are unable to perform your duties, because of non-occupational illness or injury. A medical certificate may be required.
 
What benefits do I get?
You receive 100% of your salary if you are eligible.
Senior Managers 100% of your base salary and applicable allowances under the DISP, for up to 39 weeks (195 working days)  for any disability (including any recurrence)​
​All Other Management Employees 100% of your base salary and applicable allowances under the DISP, for up to 26 weeks (130 working days) for any disability (including any recurrence)​
Do short-term disability benefits apply if my disability is work-related?
No. In that case, NAV CANADA pays your full salary under Injury-on-Duty Leave. These claims are adjudicated by the provincial workers’ compensation authority.
 
What happens to my other NAV CANADA benefits coverage while I am disabled?
Your benefits continue as though you were at work.
 
What happens if I return to work and become disabled again?
Under the Disability Income Security Program, if you become disabled from the same or a related cause within 30 days, short-term disability benefits resume
 
When do short-term disability benefits end?
When you have used your total DISP entitlement, but no later than:
  • the date you retire, or
  • the date you leave NAV CANADA,
whichever happens first.
 
How do I make a claim?
Notify your manager or immediate supervisor as soon as you are absent from work due to a non-work-related injury or illness. If the absence is expected to extend beyond 21 consecutive calendar days, your manager must complete the online Employee Notification Form. 

Long Term Disability Insurance  

What is considered a disability?

During the elimination period and the next 24 months, you are considered disabled if you are unable to perform the essential functions of your own regular job. Thereafter, you are considered disabled if you are unable to perform any reasonably commensurate occupation for which you are qualified by training, education or experience.

You must be under the active care of a physician and follow a course of treatment satisfactory to Sun Life Financial.
 
What if my disability is related to a condition I had before starting work with NAV CANADA?

Generally, no benefits are paid for disabilities arising from a disease or injury for which you obtained medical care before you became insured. However, if you meet the following criteria, this provision does not apply to you.

If you:

  • have not received medical care for the condition for a continuous period of 90 days ending on/after the date your coverage began; or,

  • you have been covered under the NAV CANADA Long-term Disability plan for at least 13 weeks and have not been treated by a doctor or other medical personnel, under the direction of a doctor, for the condition; or,

  • become totally disabled more than one year after this plan begins to cover you.

 
When do I start benefits?
 
Do these benefits apply if my disability is work-related?
No. In that case, NAV CANADA pays your full salary under Injury-on-Duty Leave. These claims are adjudicated by the provincial workers’ compensation authority.
 
Will my benefits increase when the cost of living goes up?
Yes. Plan benefits will be adjusted to reflect any cost-of-living increase each January 1st, to a maximum of 3% a year.
 
What are my responsibilities while on Long Term Disability?

During any period of total disability, you must make reasonable efforts to:

  • recover from the disability, including participating in any reasonable treatment or rehabilitation program and accepting any reasonable offer of modified duties from the employer.
  • return to your own occupation during the first 24 months that benefits are payable.
  • obtain training in order to qualify for another occupation if it becomes apparent that you will not be able to return to your own occupation within the first 24 months that benefits are payable.
  • try to obtain work in another occupation after the first 24 months that benefits are payable.
  • obtain benefits that may be available from other sources.
If you fail to do any of these things, Sun Life may withhold or discontinue benefits.
 
What happens if I become disabled while I am on a leave of absence?
If you become disabled while on leave and have maintained your coverage, you would be entitled to the short term disability. Long Term Disability Insurance benefits would begin following the expiration of short term disability.
 
What happens to my other benefit coverage while I am disabled and maintain an employee status?

Coverage under the Management Insurance Plan that you had before you became disabled continues at no cost to you while you are eligible to receive benefits from the Long-term Disability Insurance Plan.

For Basic Life Insurance, NAV CANADA will continue to pay for management employees’ coverage.

Your coverage under the Health Care and Dental Care Plans continue at no cost to you. NAV CANADA will continue to cover 100% of the cost of premiums.

Your coverage under the Critical Illness Insurance Plan will continue as long as you pay the necessary premiums.  You must send post-dated cheques to your Management Payroll Advisor.
 
What happens if I return to work and become disabled again?
If you recover and return to work, and then become disabled again after:
  • one month, if the second disability is due to entirely unrelated causes,
  • six months, if the second disability is due to related causes, or
  • twelve months, if the second disability is due to the same cause,
your Long Term Disability Insurance benefits will start again, in the same amount as you were receiving before you returned to work, without a new elimination period.
 
Do I have to participate in a rehabilitation plan?

Yes. Sun Life Financial may stop your benefits if you do not co-operate or participate in a recommended and approved rehabilitation plan.

You may be able to engage in such a plan for up to 24 months while receiving long-term disability benefits from Sun Life Insurance. Your total income from an approved plan, plus disability benefits, cannot exceed your pay before you became disabled.
 
When do benefits end?
Your benefits end when you:
  • stop being disabled,
  • are no longer under the active care of a physician,
  • are not following a course of treatment satisfactory to Sun Life Financial, or
  • the last day of the month in which you reach age 65,
whichever comes first.
 

Critical Illness Insurance

What happens if I am diagnosed with more than one eligible condition?
Your coverage will end on the date a Critical Illness benefit is paid for a covered condition which you sustain. Once payment has been made, coverage is terminated for the insured individual.
 
Does the Critical Illness coverage provide any additional benefits?

Yes, the Critical Illness Insurance also provides you and your spouse with the services of Best Doctors.

Should you, your spouse or your dependent children be diagnosed with – or suspect they suffer from – a serious medical condition (excludes mental, nervous and chronic pain conditions (e.g. Fibromyalgia)), they will be connected with a Member Advocate, a Registered Nurse, who will be dedicated to their case and will provide support throughout the entire process, and:

  • InterConsultation™ - an in-depth review of your medical files to confirm diagnosis and treatment options. The InterConsultation process can help your treating physician determine the proper course of action.
  • FindBestDoc™ - a customized search of the Best Doctors’ database of 50,000 specialists to refer the best qualified medical expert to help to meet your specific needs. Best Doctors will arrange a referral (access to a Canadian specialist requires a referral from a treating physician), necessary appointments and can help book accommodations if out-of-town travel is required.
  • FindBestCare™ - access to hospital and doctor discounts if out-of-country care is necessary. Best Doctors will ensure vital information is sent to the medical specialist involved and will continually monitor your treatment process to help ensure their medical priorities are met. If you need to travel away from home to receive medical treatment, Best Doctors can assist with reservations and accommodations (expenses relating to FindBestDoc and FindBestCare for travel, lodging and treatments are your responsibility).
  • Best Doctors 360o ™ - a unique program designed to help you navigate the healthcare system by providing one-on-one support, customized advice and guidance personally delivered to each covered person.
Please Note: Best Doctors is not an agent, representative or service provider of Sun Life. All representations about the services of Best Doctors are those of Best Doctors Inc., and not Sun Life. Sun Life cannot guarantee the availability of Best Doctors services and reserves the right to cancel Best Doctors at any time.
®BEST DOCTORS and other trademarks shown are trademarks of Best Doctors, Inc.
 
Can I keep the Critical Illness Insurance when I leave/retire from NAV CANADA?
Yes, should you leave NAV CANADA you have 31 days to contact Sun Life and request a conversion of the Critical Illness Insurance to a private plan without providing a proof of health. You cannot convert more coverage then you currently have as an employee up to a maximum of $100,000. This option is not available for child coverage.

 


Dependent Insurance

Are the benefits tax-free?
Yes.
 
How are the benefits paid?
A lump sum in Canadian dollars.
 
Can you show me examples of how coverage works?
​Loss or Loss of use of dependent ​You would receive...
​​If your spouse loses a leg ​75% x $5,000 = $3,750
​​If your child loses hearing in one ear 25% x $2,500 = $625​

Accidental Death and Dismemberment Insurance

Are the benefits tax-free?
Yes
 
How are the benefits paid?
A lump sum in Canadian dollars.
 
Can you show me examples of how coverage works?
​Assuming you have $250,000 of coverage You would receive​...
​If you lose an arm ​75% x $250,000 = $187,500
​If you lose four toes on the same foot ​25% x $250,000 = $62,500
Even if the accident results in multiple injuries, the plan pays only for the loss or loss of use that provides the largest amount:
​If you lose an arm and hearing in one ear You would receive...​
​Loss of arm ​75% x $250,000 = $187,500
​Loss of hearing in one ear 25% x $250,000 = $62,500​
​Actual benefit payable ​$187,500
 
Published on February 01, 2016