Wage Guarantee

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Re: Wage Guarantee

Post by Dannypaj on Wed 13 Apr 2016, 09:06

Nice one ! so meaning what?

Can they take away your ELB?

Earnings Loss Benefit

This includes all amounts you currently receive. This includes your CAF pension, employment or disability insurance, and worker’s compensation.

Pre-release military salary

This is determined using your basic salary. It does not include additional amounts for incentive pay, overtime, overseas deployments, etc.

The Earnings Loss Benefit is a taxable, monthly benefit that ensures your total income will be at least 75% of your gross pre-release military salary.

Do I qualify?

You may qualify if you are a Canadian Armed Forces (CAF) Veteran taking part in VAC rehabilitation services.

Important Information

The benefit is paid until you have completed your rehabilitation plan or have reached age 65. After that, you may qualify for the Canadian Forces Income Support.
Clarification would be nice. Is this the top up if you end up at 66.66 paying job? like Kent, Home depot or a minimum wage paying job? IDK


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Re: Wage Guarantee

Post by Dannypaj on Wed 13 Apr 2016, 09:17

I was cut off by SISIP as well after my two years, I was following orders. Yes I found employment, employment as a Commissionaire that is, guess I could never let go of serving in one form or another.
Callous the GOC are and beware of red tape, it may blind you on the way. I call that their red visor, which eventually like a horse, they direct your future to what ever direction their taking.
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Re: Wage Guarantee

Post by 6608 on Wed 13 Apr 2016, 09:28

Rags, i understand how the imputed income works what i posted above is saying SISIP is NOT bound by that percentage!! I didn't write this its from the ombudsman report below, saying you heard something from "legal" means nothing show me something documented concerning the the SISIP policy 901102 and where they are bound by that percentage this report  says otherwise and there is no mention in the SISIP policy as well.

http://www.ombudsman-veterans.gc.ca/eng/reports/reports-reviews/reviewcharter01-examencharte01-01-2013


https://www.cfmws.com/en/AboutUs/SISIPFS/download/Documents/901102_e.pdf


Danny for ELB they wont cut you off below that imputed income percentage.............its in policy and regulations





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Re: Wage Guarantee

Post by Rags on Wed 13 Apr 2016, 11:11

From what I have been told as I asked the direct question about SISIP LTD and what constitutes advantageously employed. They (SISIP) are forced to apply the court ordered standard in these cases as 66.66% of your release income is considered advantageously employable. What that is interpreted as is that your not considered advantageously employed by the insurer if you cant find or get a job due to your disability that does not pay you more then 66.66% of your release pay. This is a general court legal view that the insurer has been forced to apply as the judgement factor in deciding who is and who is not advantageously employed. It is a measure because in the past if left to the insurer they would say if your working and getting minimum wage your employed we dont need to help. Im only talking about SISIP LTD. But I assume that it is valid for all insurers as a measure.

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Re: Wage Guarantee

Post by Guest on Wed 13 Apr 2016, 12:35

well rags that is generally the case legally speaking for most insurance companies but depending on a lot of different factors figures FROM 60% TO 80% can be and have been applied . insurance companies generally use the 2/3 rds figure as it is the cheapest one that is legally defendable in a court action .

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Re: Wage Guarantee

Post by czerv on Thu 14 Apr 2016, 11:12

Thanks for the info. I like to work with easy numbers, so for clarity sake:
Let say one had 100,00 pre release salary. 75% SISIP or VAC rehab= 75,000 (including everything:mil pension- if one has one, etc.). 66%=66,000
Now, you get a full time job that pays 50.000 a year (and will not get any better). What does it mean? If you add your mil pension (if you have one) and it goes over 66.000 then what?
They kick you out of your SISIP LTD? and/or VAC rehab?
Maybe I am confusing things here. I just started SISIP LTD. My VAC CM was 'recommending' to stay on SISIP past two years. VAC does not want to take people after the two years under their rehab programe? All very confusing

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Re: Wage Guarantee

Post by Guest on Thu 14 Apr 2016, 11:30

I've heard vac is really tightening the ELB program, really they ltd and vac should be mergered!

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Re: Wage Guarantee

Post by johnny211 on Thu 14 Apr 2016, 11:38

czrev - I only know how the ELB/EELB works. In my case it went like this. I went under Voc Rehab, when I was working retail. I then started to be topped up from VAC, too 75% of what I was making, when I got out as a Snr NCO rank. I continued to be topped up, and working for about 6 mths, when I decided with my case mgr, to go back to trade school. I started school, and then got 75% ELB as this was my only income. After a yr of school, I did get a job. As I was still on ELB, I got topped up for this job, because technically I was still under the Voc Rehab program. But then this scattered brain of mine, kicked into high gear, and the pieces fell apart. I had to leave this job. I then went back to 75% ELB. Until about 9 mths later, and after lots of assessments and paperwork, my cm deemed me TPI, and now I am on EELB. I just dont know the SISIP side of it. Not sure if that helped any. VVV...
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Re: Wage Guarantee

Post by czerv on Fri 15 Apr 2016, 11:10

Thanks johnny211

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Re: Wage Guarantee

Post by DazednConfused on Fri 15 Apr 2016, 22:30

Thanks to everyone who responded. In its own twisted way, I'm glad to see I'm not the only one rowing this boat, but it's even more sad to know we have to be in this boat in the first place. I will update with any response I may get in the future. Have a great weekend, all!

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Re: Wage Guarantee

Post by pinger on Sat 16 Apr 2016, 18:55

I am not sisip. Just eelb and everything else.
Irregardless, something not mentioned in the above posts is someones.. age.
60 is different than 30 something, even a 50ish y/o.

Bear that in mind. VAC certainly does.
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Re: Wage Guarantee

Post by Rags on Sun 17 Apr 2016, 08:04

Pinger,
Expand on that comment about age and VAC using it? What are the issues with age a eelb and VAC?

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Re: Wage Guarantee

Post by pinger on Sun 17 Apr 2016, 15:35

Simply put Rags, if your mid to late 50's Vac can write you off IN SOME SITUATIONS. 65 is right around the corner so any re-training (2, 4, 6 years part-time) ain't worth their dime. So many variables but that was my eELB sit.
Kinda like I wasn't cost effective enough for their purposes/ timeline. I wonder how sisip plays that ball?

On the flipside, someone middle aged or 30 y/o has much more time left to get any 66 2/3rds of anything suitably or gainful.
Wish I had the luxury of time... and not to be prodded by VAC either.
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Re: Wage Guarantee

Post by Rags on Mon 18 Apr 2016, 07:21

Thanks For that Pinger,
So what is the VAC impact other then not wanting to pay for retraining? Do they approve ELB and all the bells and whistles of lost wage stuff just forgo the retraining?

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Re: Wage Guarantee

Post by pinger on Mon 18 Apr 2016, 08:09

Yes, but understand there's a lot of variables. Biggest ones for me were my physical health and being 56 y/o.
They would have paid for my retraining... reluctantly, but I signed off on the eELB that they offered me instead. I wonder what most folks would do? Sure feels like I sold part of my soul.
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