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Components of SISIP Financial Services

Financial Services

• Financial Planning

• Financial Counseling

• Education Program

• CFPAF

Insurance Services• Insurance products for Serving and Released Members of the CF, including transferability options

• Accidental Dismemberment for both Service and Non-Service-Attributable injuries

Rehab

•Client evaluations

•Employment Assistance

•Vocational Retraining

LTD

•Adjudication of LTD Files

•Set up LTD benefits

•Client Medical reviews

Long Term Disability

Vocational Rehab

Fully Administered

by Manulife

3

12 months

P-CAT

InjuryIllness

T-CAT

18 months6 months

Retirement Leave Start

EFFECTIVEDATE OF RELEASE

24 months 25 months

SISIP VRP – General Information ProvidedUp to 6 months Pre release SISIP

VRP and DND VRPSM Start

DISCLOSURE

RELEASE MESSAGE

RETENTION

RELEASE PROCESS

CF Case Manager

Start the IPSC

T-CAT - 2

Best time to Apply to SISIP

SISIP – Overview – Time Line

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SISIP VRP & LTD Entitlement- 24 consecutive months

SISIP LTD12 month

Medical Review

EDOR

VAC New Veterans Charter Supports available on a needs basis

SISIP LTD18 month

Medical Review

12 mo post EDOR

18 mo post EDOR

24 months post EDOR Age 65

If Totally Disabled Support Continues

SISIP 24 MonthDecision

SISIP – Overview – Time Line

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Coverage: All Regular CF Members since 1982, voluntary prior to 1982.

All Primary Reservists since 1999, voluntary coverage prior to 1999

Support: Territories based on Client location Counsellor Offices

Regional Controllers

Administrative Support

Rehab Head Office

SISIP LTD Offices

SISIP – Overview – Locations

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Direct client contact is maintained on average of a monthly basis without the use of a call centre

Focus is placed on working with the Client so processes are kept to a minimum and full discloser of all program aspects is provided

Clients are automatically provided with any entitlements without need for special application

Clients are teamed up with the same adjudicator and Rehab Counsellor for the duration of the claim

Initial meetings with Rehab clients usually occur within 30 days of referral and Clients are met in a place of their choosing but not home.

SISIP – Overview – Approach

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Is a Treasury Board supported plan

Provides replacement income to Regular Force and Primary Reservists for all disabilities (service and non service-related)

Provides top up to 75% of pre-release salary after other specified sources of income (CPP, CF Pension, earned income and PA disability pension)

There are no LTD deductions related to the New Veterans Charter Award nor are any VAC allowances deducted from LTD.

For service-related injuries and illnesses, the Government of Canada (GOC) pays 100% of premiums

For non service-related injuries and illnesses, the GOC pays 85% for Reg Force (member pays 15%) and 100% for Res Force

SISIP – Long Term Disability (LTD)

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If released for medical reasons, and coverage was in place, then there is an automatic access to 24 months of benefits

If released for other then medical reasons, the file is adjudicated and the client must qualify as totally disabled

SISIP LTD is the “first Payer” for monthly income and “first Provider” for Vocational Rehabilitation

o VAC is second payer/provider but will top-up support through the provision of psycho social and medical support

LTD support could continue up-to age 65 if totally disabled

SISIP – Long Term Disability (LTD) cont’d

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2011

$71.3 million paid in direct member support (Long Term Disability benefits, Vocational Rehabilitation Program Support and Loans)

$804,239 paid to 7 members under the Accidental Dismemberment Insurance Plan

Over 3,430 active members

Since 2000$537 million paid in direct member support (Long Term Disability Benefits, Vocational Rehabilitation Program Support and Loans)

$11.6 million paid to 81 members under the Accidental Dismemberment Insurance Plan

Over 28,000 active members

SISIP – LTD - Summary

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The SISIP Vocational Rehabilitation Program (SISIP VRP) is a component of SISIP LTD:

Accessible as long as a member is approved for Long Term Disability and capable of active participation

Where the need exists will provide vocational support to clients by leveraging on their existing education, skills, training and experience

Is focused on preparing clients to obtain gainful civilian employment

Works directly with the other service providers, the member and their family to establish and meet defined goals for transition.

SISIP – Vocational Rehabilitation (VRP)

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SISIP VRP Funding can start as early as 6 months before release and will provide

o 100% of tuition and books for approved programs (max $25K)o Allowances for internet, supplies, dependant care, travel and dual

residenceso Interest-free loans, tutoring and purchase of safety equipment

SISIP VRP works with the CF up-to 3 years before release to coordinate vocational objectives (CANFORGEN 151/10 (VRPSM), CANFORGEN 183/11(ITP), CANFORGEN 94/07(ER));

Job search assistance:o Prepares resumes and cover letterso Conducts mock interviewso Provides targeted job leads on a bi-weekly basis

SISIP – Vocational Rehabilitation (VRP) cont’d

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Plan must make medical sense.

Training must build on existing skills.

Training is provided for only one program.

Training must be attainable within time limits and have realistic employment opportunities available.

Training must give good value; Funding: 60% of projected first year salary.

CAP: $25,000.00 max.

Training must provide a recognized Certificate, Diploma or Degree

THERE MUST BE A NEED FOR TRAINING BEFORE IT WILL BE PROVIDED

SISIP – Vocational Rehabilitation (VRP) cont’d

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2011

93.5% participation

$106,483 interest free loans

69% either returned to work, completed training, or were capable of returning to work by the end of 24 months

3,207 active members

Since 2000

95% participation

$2,871,611 interest free loans

70% either returned to work, completed training, or were capable of returning to work by the end of 24 months

27,000 active members (average)

SISIP – VRP – Summary

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SISIP FS through Manulife Financial, provides LTD benefits and the Vocational Rehabilitation Program.

SISIP is first payer and clients are not permitted to choose between programs.

SISIP will ensure clients have access to their entitlements while avoiding duplication of services.

SISIP will work in conjunction with the CF (PSO, IPSC) to develop extended vocational opportunities and support (CANFORGEN 151/07, CANFORGEN 94/10 & CANFORGEN 183/11)

SISIP – Program Delivery Principals

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With Client consent information may be shared between supporting agencies when the need exists;

Pre release, as needed, SISIP will liaise with the IPSC, CF Case Manager, PSO to help ensure the member does not miss any opportunities or entitlements.

In cases of early intervention through CANFORGEN 151/07, 94/10 or 183/11, SISIP will provide guidance, advice and help develop a plan so once the member falls within the parameters of the SISIP program support may be provided;

When the need exists, Pre release CF Case Managers will liaise with SISIP and VAC subject matter experts.

When the need exists, Post release SISIP and VAC subject matter experts will liaise to resolve issues involving both service providers.

SISIP – Program Delivery Principals cont’d

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Maritime: 1-800-565-6463

Quebec: 1-866-648-6463

Ontario: 1-888-686-0152

Western Canada: 1-866-442-2370

LTD CLAIMS 1 800 565 0701; or

Visit our website at: www.sisip.com