Illness and Injury

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FAQ

​Select the plan below:
​Short Term Disability
Long Term Disability Insurance
Business Travel Accidental Death and Dismemberment Insurance

Short Term Disability Benefits 

Am I entitled to these benefits?
For full details on the benefits that apply to you, refer to your collective agreement.
 
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.
 
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?
Refer to your collective agreement.
 
When do short-term disability benefits end?
When you have used your total accumulated sick leave or 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 or sick leave benefits set out in your collective agreement. Long Term Disability Insurance benefits would begin following a waiting period of 13 weeks or the expiration of short term disability or sick leave benefits, whichever is later.
 
What happens to my other benefit coverage while I am disabled and maintain employee status?

For Basic Life Insurance, you must continue to pay your share of the premiums.

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.

 
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.

Business Travel Accidental Death and Dismemberment Insurance

Are the benefits tax-free?
Yes.
 
How are the benefits paid?
A lump sum in Canadian dollars.

Published on February 01, 2016