Disability Plan

Income Continuance Plan

(Mandatory Disability Insurance)

The Income Continuance Plan provides disability income for Saskatchewan teachers who are unable to work due to sickness or injury. Rehabilitative services are also available to support teachers with the recovery process and return to active employment. The Income Continuance Plan is funded by member premiums and is administered by the Saskatchewan Teachers’ Federation.

If you expect to be unable to work after your accumulated sick leave runs out, you're encouraged to apply for disability benefits as soon as possible. To start the application process, phone an Income Continuance Plan disability case consultant and request an application package. The forms in the application package must be completed and your claim approved before disability payments will begin. To ensure proper support and guidance is provided during this process, application forms are not available online.

Under most circumstances, coverage under other teacher group benefit plans will continue while you're receiving disability benefits. For more information, view Sick Leave and Disability.


Plan Changes Effective July 1, 2019

The Federation manages and administers the long-term disability plan and its assets, which are held in a separate fund for the sole purpose of providing disability benefits.

We’re very happy to announce some important Plan changes that will save you money, improve benefits and possibly extend your period of coverage. These changes will take effect July 1, 2019.

In addition, the Income Continuance Plan is shedding its old name on July 1, 2019, in favor of one that is more recognizable for members and better reflects the coverage and benefits the Plan provides.

What’s Changing?

  • The Plan name is changing to Teachers’ Long-Term Disability Plan.

  • Monthly premium rates are decreasing from 1.4% of salary to:
    • 0.5%   - July 1, 2019 to June 30, 2020
    • 0.75% - July 1, 2020 to June 30, 2021
    • 1.00% - From July 1, 2021
  • The 35-year pensionable service cap on coverage and benefits has been removed, which means some members will have disability insurance for an extended period.

  • Disability benefits will receive higher cost-of-living adjustments to help claimants keep pace with inflation.

Why is the Plan Changing?

As part of good governance, an independent review of the Plan’s Benefits and Funding Policy was performed in 2018. Due in part to good investment returns and positive claims experience, it was determined that current funding levels far exceed the targets set out in policy.

Working with external experts, the STF Pension and Benefits Board of Directors explored various ways to bring the funding surplus within appropriate levels again.

The Board considered:

  • Equity amongst all members
  • Long-term sustainability of the Plan
  • Industry standards

The conclusion was that premium rates need to go down and benefits need to go up starting July 1, 2019. The Board will continue to monitor the financial health and long-term sustainability of the Plan.

 

This section, including the contents of linked publications, contains general information only. In the event of a discrepancy, or misunderstanding in interpretation, the applicable legislation and Plan documents are the final authority.