First Nations Insurace Services Limited Partnership

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FNIS Group Insurance Association Plan
Long Term Disability

Insurance that provides monthly payments to the employee insured, based on the employer's insurance benefit contract and subject to policy conditions, maximums and exclusions, when the insured is unable to work as a result of total disability resulting from illness, hospitalization or accidental injury. The elimination period for LTD is 119 days. The FNIS Association Plan separates the levels of coverage available to Status and Non-status employees. The different levels of coverage for Plan A Status and Non-status for example reflect an equivalent take-home benefit when the status employee's income is tax-exempt. Levels of coverage for Status employee's include 75% with a 300% survivor benefit, 75% and 66 2/3%. Levels of coverage for Non-status employee's include 60% with a 300% survivor benefit, 60%, 50% and 66 2/3%. Sun Life is the insurer for Long Term Disability.


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