The Plan provides for an Income Continuance after you have exhausted the benefits provided under the Wage Indemnity section.
If a member is still disabled after 52 weeks of Wage Indemnity, they may be entitled to the Income Continuance benefit.
Effective January 1, 2022, the monthly Income Continuance benefit increases to $1,250 per month, from the prior monthly limit of $1,000.
To apply for the Income Continuance benefit, you must:
- Have made application and be receiving the CPP disability pension, AND/OR
- Satisfy the Trustees of the Plan of your continuing disability.
All applications must be approved by the Trustees. The Trustees also have the right to request proof that a member is still disabled and/or is still receiving a Canada Pension Disability pension.
Income Continuance is payable up to age 65 for members with:
- More than 10 years of membership in Local 213 IBEW.
- Members with less than 10 years of membership will be prorated according to their number of years in Local 213 IBEW.
- You must have been a member of the Local 213 Electrical Workers’ Welfare Plan for 48 of the past 60 months.
Definition of Disability
Disability means the continuous inability as a result of illness or injury to perform each and every gainful occupation or employment for which you are reasonably qualified by education training or experience. The member must not be engaged in any occupation or employment for wage or profit.
The payment amount is $1,000.00 per month to approved members. Income tax is not deducted, but you will receive a T4 for the calendar year from the Welfare office, for Income Tax purposes.
Disabilities Not Covered
Exclusions are the same as those under the Wage Indemnity section.
Length of Coverage
A member’s coverage on Income Continuance will cease:
- when he has reached age 65 OR
- is in receipt of CPP old age pension, OR
- permanently leaves the jurisdiction of I.B.E.W. Local 213 without the consent of the trustees.
The benefits described are payable by the Local 213 Electrical Workers’ Welfare Plan and are subject to the financial resources available to the Plan Trustees.
While every effort will be made to maintain benefits, members and beneficiaries should understand that in the event of adverse financial experience the trustees cannot guarantee payment of all claims.