Sisip ltd till 65 then what????

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Re: Sisip ltd till 65 then what????

Post by Nemo on Sun 23 Dec 2012, 14:06

propat....or anyone.....does anyone have something that mentions sisip continues 4 life prior to 99????
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Re: Sisip ltd till 65 then what????

Post by Sapper Zodiak on Sun 23 Dec 2012, 14:21

Nemo:
On leavenovetbehind.ca in the FAQ section, it states LTD payable to age 65 if started after 1999. Pre 1999 for life.
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Re: Sisip ltd till 65 then what????

Post by Nemo on Sun 23 Dec 2012, 14:28

I read the FAQ on leavenovet.......It does not specifically mention b4 99 for life. It says... Will payments cease on my 65th birthday, or 67 as this is the new retirement age?
Yes, payments cease at 65 unless you qualified for benefits prior to 1999.

I just found an ombudsman page at http://ppcliassoc.ca/Bulletin_Board/sisip_12oct_Memo%20%28Q&A%29%20-%20English%20%20French.pdf and it says....http://ppcliassoc.ca/Bulletin_Board/sisip_12oct_Memo%20%28Q&A%29%20-%20English%20%20French.pdf
Before December 1, 1999, a CF member was eligible for monthly SISIP long term disability benefits if he or she became “totally disabled” for 13 consecutive weeks and was released from the CF while still “totally disabled.” Benefits were payable each month as long as the “total disability” continued, until age 65. Benefits changed after 99, but maybe chAnges had nothing to do with age of termination but had to do with how one qualified and what was offered.
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Re: Sisip ltd till 65 then what????

Post by Guest on Sun 23 Dec 2012, 14:28

nemo someone elce here also has the policy itself bookmarked i belive its puddle.im positive its 99 that makes you good 4 life.

propat

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Re: Sisip ltd till 65 then what????

Post by Nemo on Sun 23 Dec 2012, 15:00

thanks propat...

puddle...if u have that link, can u post it here. tia.
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Re: Sisip ltd till 65 then what????

Post by Guest on Sun 23 Dec 2012, 15:49

I still believe ltd till 65 is wrong, your expenses don't stop and the GOC raised the retirement age to 67 , does that mean CPPD and sisip will go to 67 instead of 65, also is it not age discrimation to stop ltd at 65 ?

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Re: Sisip ltd till 65 then what????

Post by sabrelove on Sun 23 Dec 2012, 17:04

LTD payments stopping at 65 was effective in 1995.

Here is the link to the SISIP Policy 901102.
https://www.cfpsa.com/en/AboutUs/SISIPFS/download/Documents/901102_e.pdf

Go to Previous Policies - Part III Pre-December 1, 1999 LTD. Para 58 Limitations and Exceptions sub-para d.
"Effective January 1, 1995, no benefits are payable to an insured member after after he reaches the age of 65. This limitation applies only to an insured member whose claim for benefits is approved on or after January 1,1995."


Last edited by sabrelove on Sun 23 Dec 2012, 17:35; edited 1 time in total (Reason for editing : date correction - I hate typing on laptops!)

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Re: Sisip ltd till 65 then what????

Post by Guest on Sun 23 Dec 2012, 17:12

I wonder why there was not an outcry back then about them cutting the for life benefit of ltd, ?

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Re: Sisip ltd till 65 then what????

Post by sabrelove on Sun 23 Dec 2012, 17:20

I'll bet it was because people already claim LTD bebfits were not affected and people applying for benefits were not given a copy of the old policy. When hubby got out in 98, we were given a booklet and it did not say anything about the previous policy. Up til then, we were quite ignorant of the details of LTD because we were never going to need it, so why learn anything about it! I am glad that it was a mandatory policy because without it, there was no way hubby would be able to made 75% of his income after release.
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Re: Sisip ltd till 65 then what????

Post by Nemo on Sun 23 Dec 2012, 17:30

so that explains why at some point when i served, i thought of sisip ltd was for life. then when i got out, i remember a surprise that is was till age 65.

one would have thought that for anyone paying into sisip back then - that they should have been in the 'for life' mode with sisip ltd. obviously not. i got my ltd in 96, so missed this by 18 months.
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Re: Sisip ltd till 65 then what????

Post by Guest on Sun 23 Dec 2012, 17:43

nemo im sooo sory about that i was sure it was 99 must have had it confused with another change it really sucks you missed it by that short of time.im with navrat on his posting above this really doesnt seem fair.

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Re: Sisip ltd till 65 then what????

Post by sabrelove on Sun 23 Dec 2012, 17:57

Propat, it looks like major changes to the policy were effective 1 Dec 99, so that's were you probably got that date. One of the major changes was that reservists on all classes of service are now included in the policy, not just those on Class C. There's now a whole section on LTD benefits for reservists.
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Re: Sisip ltd till 65 then what????

Post by Guest on Sun 23 Dec 2012, 18:01

thanks a lot for the info saber it is greatly appriciated and verry interesting reading especially the timlines in respect to the timelines in the changes to the cf pention.

thanks again

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Re: Sisip ltd till 65 then what????

Post by Nemo on Sun 23 Dec 2012, 19:37

I just don't understand how the goc could have changed sisip like they did - from life to only age 65.

One would think that if u were paying into sisip at the time....how could they have changed it like that? It should have been for life for those that were currently paying into it because that was one of the reasons we were purchasing sisip. oh well, i doubt it will ever be changed back.

crappy system.
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Re: Sisip ltd till 65 then what????

Post by Guest on Sun 23 Dec 2012, 20:09

from what ive been reading about this and other programs this was done to ballance the budjet by the liberals so im guessing their wasnt a lot of a big stink at least by the opposition tories as this was right up their wheelhouse as well so to speek.i suppose it could change back again but it would take a radical change in government.

just my oppinion

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