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DEC CONSIDERATION

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Re: DEC CONSIDERATION

Post by Artie Simm on Mon 09 Jul 2018, 22:11

AirLog wrote:Artie Simm,

Not sure what LTD company you are dealing with but mine is Great-West Life. Because it is a non-taxable benefit it does not offset my ELB nor does my ELB offset my LTD. Best of both worlds. Which company are you with and is your LTD taxable? Your pension is factored into your ELB benefits, it will offset your ELB but this is part of how ELB is calculated. I have only been on ELB for 13 months and my CM has indicated that he will be requesting DEC on my behalf. Not sure what makes a CM go down this path but I wasn't going to stop the CM from doing this.

AirLog
well now I'm really confused because I am with GWL. In their forms their is a page that lists deductions that will be removed from your take home pay and they include military and disability pension s, I mean lve never filed but it's written there with blanks to fill in the amounts.l don't want to go off sick and end up in the hole.l wish l knew how to upload the exact page so people could see what I'm talking about.
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Re: DEC CONSIDERATION

Post by bigrex on Mon 09 Jul 2018, 13:54

There are no set rules as to when benefits can be applied for. My CM applied for the rehab program, ELB, PIA/PIAS, Attendance Allowance, and DEC all on the same day, and all were approved.
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Re: DEC CONSIDERATION

Post by AirLog on Mon 09 Jul 2018, 11:53

Artie Simm,

Not sure what LTD company you are dealing with but mine is Great-West Life. Because it is a non-taxable benefit it does not offset my ELB nor does my ELB offset my LTD. Best of both worlds. Which company are you with and is your LTD taxable? Your pension is factored into your ELB benefits, it will offset your ELB but this is part of how ELB is calculated. I have only been on ELB for 13 months and my CM has indicated that he will be requesting DEC on my behalf. Not sure what makes a CM go down this path but I wasn't going to stop the CM from doing this.

AirLog

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Re: DEC CONSIDERATION

Post by Artie Simm on Mon 09 Jul 2018, 11:18

AirLog wrote:Hi Artie Simm,

I am also being considered for DEC as recommended by my CM. I haven't heard back on the results as of yet. Hopefully soon. I am 59 and no one has ever mentioned my age as any limitation or factor in any decision. Taking age into consideration would be discrimination so I don't believe that VAC would openly mention age in any form. If your LTD is tax free it won't be used to reduce your ELB. This is my case. At first it was used to offset my ELB but once I presented VAC with a letter from my insurer stating that my LTD is in fact 100% employee paid (contributions) and not taxable then my ELB wasn't offset by my LTD.

In the long run having a DEC designation will be good for VAC benefits such as EELB so if you can be determined DEC I believe that that will be good for you in the long run.

All the best.

AirLog
I'm so confused.my Ltd rep from work told me that if l went on Ltd l would actually bring home 0 in pay as the 70% of my income would be reduced by superannuation and disability though others tell me that's not allowed.wouldnt someone go on elb for 2 years before being declared dec,not the other way around?thx.
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Re: DEC CONSIDERATION

Post by AirLog on Mon 09 Jul 2018, 08:58

Hi Artie Simm,

I am also being considered for DEC as recommended by my CM. I haven't heard back on the results as of yet. Hopefully soon. I am 59 and no one has ever mentioned my age as any limitation or factor in any decision. Taking age into consideration would be discrimination so I don't believe that VAC would openly mention age in any form. If your LTD is tax free it won't be used to reduce your ELB. This is my case. At first it was used to offset my ELB but once I presented VAC with a letter from my insurer stating that my LTD is in fact 100% employee paid (contributions) and not taxable then my ELB wasn't offset by my LTD.

In the long run having a DEC designation will be good for VAC benefits such as EELB so if you can be determined DEC I believe that that will be good for you in the long run.

All the best.

AirLog

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Re: DEC CONSIDERATION

Post by Artie Simm on Sun 08 Jul 2018, 23:23

bigrex wrote:And your disability pension, from the Pension Act, cannot be deducted from either your employers LTD, or ELB, because it is not classified as income.
lf l leave my job due to health reasons and go on ELB, as I'm 55, what is the likelihood that VAC would just write me off and say trying to send me back to school to some new trade would be a waste of time,especially with my mental and physical permanent injuries. Is it possible they would just declare me DEC? Who would decide that?
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Re: DEC CONSIDERATION

Post by bigrex on Thu 05 Jul 2018, 12:54

And your disability pension, from the Pension Act, cannot be deducted from either your employers LTD, or ELB, because it is not classified as income.
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Re: DEC CONSIDERATION

Post by sports_1977 on Thu 05 Jul 2018, 11:40

Hello Artie,

If you go on ELB for Example the lowest you will receive is 3900$ before Tax that for Pvt 3rd Class.
After Tax you would get 3200$ approximately. This is on calculation of 52584$/Year minus 10%.

So 90% of 52584$/year would be 47325$/Year





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Re: DEC CONSIDERATION

Post by Artie Simm on Thu 05 Jul 2018, 11:07

bigrex wrote:it depends on why you are seeking the DEC. If' it's for something like severe PTSD, all they would need is a report from your Psychiatrist.
Here`s a question for you: I looked into leaving my workplace on Long Term disability which is 70% of my current pay, however the insurance company subtracts from that amount any other form of income I already bring in. I do have a partial pension from the military for having been released medically before 2006. Because of that it is subtracted from LTD and in the end I would bring home "0" dollars to my family if I left work to seek help mentally. However, I understand that if I quit my job I would be entitled to ELB which would be 90% of my previous military pay. so lets say that was $45000 a year, is anything subtracted from that? Is VAC going to gouge it because I receive a disability pension already, or are they two separate entities? thanks for answering all my other questions.
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Re: DEC CONSIDERATION

Post by AirLog on Mon 25 Jun 2018, 21:40

Interesting. My limitations are due to cancer that might have spread to my right lung. Further testing is required to see if the mass in my lung is cancer or not. Notwithstanding, all my current limitations are due to the cancer in my neck. With these limitations and the medication that I am taking the CM has indicated that he will consult with VAC medical to see if I can be deemed DEC.

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Re: DEC CONSIDERATION

Post by bigrex on Mon 25 Jun 2018, 21:28

it depends on why you are seeking the DEC. If' it's for something like severe PTSD, all they would need is a report from your Psychiatrist. But for physical disabilities, they need to conduct a Functionality Assessment, with a Occupational Therapist. For me, it was done over 2 days, and tested ability to lift light weights, push and pull a cart, testing things like grip strength, manual dexterity, hand-eye coordination. They will write a report, stating what types of work, you are capable of doing, and how many hours you can work. If that is too limited, they will deem you DEC. Like when I did mine, they said I could work 2 hours per week, at a desk job. So even if I could find someplace willing to employ me for a single two hour shift, I would have to save up all month, just to buy a meal at McDoonalds, for my family.
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Re: DEC CONSIDERATION

Post by AirLog on Mon 25 Jun 2018, 17:59

Thanks Yump555. Don't know if I am very interested in doing a lot of testing or not. Is this the way it is for all who were deemed DEC or can a CM make a recommendation and the wheels turn in VAC to approve a DEC?

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Re: DEC CONSIDERATION

Post by Yump5555 on Mon 25 Jun 2018, 16:13

I donít know about others but in order for my DEC to be approved I had to go through a very physically demanding and energy draining testing with a 3rd Party called CVVRS (March of Dimes). It was based on this testing along with my Medical Questionnaires that I was deemed DEC.

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Re: DEC CONSIDERATION

Post by Newfie on Mon 25 Jun 2018, 11:16

AirLog. I would apply. I know first hand that it is very frustrating and causes a lot of stress but your the one who has to fight, claw and scream to get anything from VAC unless you have a good CM. †I did but then VAC assigned me a different one. Things for me then went south. I was turned down for CIA and appealed twice and was granted CIA. I applied for DEC and was granted with no appeals. †I have noticed in my case that my Psychologist reports carry a lot more weight that anything that my Family Dr has completed for VAC.


Last edited by Newfie on Mon 25 Jun 2018, 18:13; edited 1 time in total

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Re: DEC CONSIDERATION

Post by bigrex on Mon 25 Jun 2018, 10:43

It's hard to say, since they have based the CIA changes, on a possible 25 year career. Personally, I think it should be based on age, not time served, If Veteran #1 joined the military when he was 40, and was released just before serving 10 years, he would get grade 1 CIA, with losing 15 years of possible employment, not jut in the CF, before reaching retirement age. But Veteran # 2 joined when he was 18, straight out of high school. He served just over 10 years, before being medical released. So even though he is only 28, and is losing out on 37 years of possible future employment, he is only entitled to grade 2 CIA. To me, that just doesn't make sense.
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