Sick Leave

Your District may provide a sick leave plan for Members unable to work due to illness or injury for some or all of the period prior to eligibility for Long Term Disability benefits. Please contact your School District Benefits Administrator for more information.

Long Term Disability

You are also eligible for a long term disability (LTD) plan under the BCPVPA plan. See “My Plan” – LTD plan for details of your plan provisions. Employees approved for LTD benefits may be eligible to receive a Waiver of Premium for the following benefits, if disability commenced prior to age 65, and disability has been continuous throughout the Elimination Period:

  • Basic Life insurance
  • Optional Life insurance
  • Spouse Optional Life insurance*
  • Child Optional Life insurance *
  • Long Term Disability
  • Basic Accidental Death & Dismemberment insurance
  • Optional Accidental Death & Dismemberment insurance

* Waiver of Premium will apply to the Spouse and/or Child Optional Life insurance if the Employee supplied evidence of insurability and was approved at the time of disability for Spouse and/or Child Optional Life insurance.

Applications for Waivers of Premium

Life Insurance including Basic Life, Optional Life, Spouse Optional Life and Child Optional Life (if applicable) If you are eligible for LTD benefits through BCPVPA plan, and are applying for Waiver of Premium for your life insurance, the following steps must be taken:

  • The Benefits Administrator gives the employee the Group Life Waiver of Premium – Employee’s Statement to sign and return to them.
  • The Benefits Administrator will complete the Group Life Waiver of Premium – Employer’s Statement. Your LTD approval letter must also be enclosed. The Benefits Administrator will send the form along with the original BCPSEA benefits enrolment form to:
    W&Wforms@pacbluecross.ca
    or
    Pacific Blue Cross
    PO Box 7000
    Vancouver BC V6B 4E1
    Phone: 604-419-2000
    Toll Free: 1-877-222-2583
    Fax: 604-419-8055

The Benefit Administrator will be advised whether or not the waiver application has been accepted. Pacific Blue Cross must receive the completed Waiver of Premium forms no later than 6 months after the waiting period (which equals the employee’s LTD elimination period).

Accidental Death & Dismemberment (AD&D) insurance, including Basic AD&D and Optional AD&D (if applicable):

Accidental Death & Dismemberment Waiver(s) of Premium are tied to the approval of the Life Insurance Waiver(s) of Premium. The effective date of AD&D Waiver of Premium will be the effective date of the Life Insurance Waiver(s) of Premium.

Disability insurance, including Short Term Disability (if applicable) and Long Term Disability

Disability premium will be waived on approval of the LTD claim retroactive to the date of the eligibility of the LTD claim (i.e., after the end of the waiting period). Premiums must continue to be paid until the insurer confirms that the Long Term Disability was approved.