Author Topic: Service Income Security Insurance Plan (SISIP)  (Read 320183 times)

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Offline Greymatters

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Re: Screwed by SISIP and VOC Rehab
« Reply #325 on: November 23, 2014, 10:51:56 »
When you were released on 3b, were you not provided with a SISIP representative? 


Offline 44inchStone

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Re: Screwed by SISIP and VOC Rehab
« Reply #326 on: November 23, 2014, 21:00:29 »
There's lots to reply too.
Bruce Monkehouse thinks I'm pissed because things have improved. What are you talking about? I'll start by saying how happy I am that things have improved for the troops. Over the many years the troops were getting screwed. They have come along way but I still think there is much room for improvement. I joined in 84 and YES things have improved.
As for rehabilitation training other than a medical release, NON medical releases fall under VOC rehab. And yes it runs into the thousands. As I said. A person I know released NON-medically and was retrained through a course that added up to over 30K.
SISIP back then was to be used within two years. YES I was given a SISIP rep.
And yes I was told that I was pretty well entitled to nothing because my military pension and my VAC pension was equal to the 75% required in order for me to collect SISIP.
I do agree that the passage of information for benefits are far better than what they were also. They did NOT volunteer benefits 10 years ago.
Most benefits that I heard I was entitled to pretty well was found out through word of mouth, in recent years.
Programs are much better and forums such as this help soldiers with the information they require to obtain these benefits.
The programs and benefits now are better. Better than what was available.
Now if they can fix the monthly VAC pension problems.
Pro Patricia!

Offline Greymatters

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Re: Screwed by SISIP and VOC Rehab
« Reply #327 on: November 24, 2014, 01:52:08 »
In your OP, do you mean that the CWO wasnt a 3B?  Or that he got VOC rehab while still in before he got released as 3B?  If so, that matches what I got; put on category 3B in 2002, went on VOC starting in 2004, released as 3B in 2005. 

If you were told you couldn't get any VOC due to the amount of money you were receiving, then hopefully you have some piece of paper where they say this. 

Otherwise, have to go with Winnie, I never heard of anyone getting VOC unless they were 3B, and even then that was before the crackdown on people abusing the process.


Offline 44inchStone

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Re: Screwed by SISIP and VOC Rehab
« Reply #328 on: November 29, 2014, 17:52:13 »
The person I am speaking of was not released on a 3(b) or any other kind of medical release. He just released.
He just completed his courses adding up over 25k.
Pretty good deal for him.
It was part of the new program where your are retrained or educated in what you choose, after release.
Again. He paid nothing. What an awsome deal that was for him

Offline Teager

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Re: Screwed by SISIP and VOC Rehab
« Reply #329 on: November 29, 2014, 22:46:00 »
The person I am speaking of was not released on a 3(b) or any other kind of medical release. He just released.
He just completed his courses adding up over 25k.
Pretty good deal for him.
It was part of the new program where your are retrained or educated in what you choose, after release.
Again. He paid nothing. What an awsome deal that was for him

I believe I know what you are speaking of. For Reg Force members that retire they can upgrade there education to civilian equivalent  as long as it has to do with there trade. I don't know much about this program or if its still in effect. Perhaps someone else that knows of this program can inform 44inchstorm of the details.

Offline Petard

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Re: Screwed by SISIP and VOC Rehab
« Reply #330 on: December 03, 2014, 14:05:32 »
Hey all,

Yes this is my first post. Served 25 years in the CF. Was released on a 3(B) medical back in 2004. Was NOT entitled to SISIP OR VOC REHAB.
With all the NEW programs out there I thought that because I was one of the lucky guys that was not entitled to these benefits back then, thought I'd be entitled to them now.
It was only actually after a chief I knew was releasing told me of all his entitlements after his release such as VOC rehab.
Could not actually believe that the CF paid 30K for his tuition for a heavy equipment course and this was without actually releasing medically. He said that it was an entitlement to retrain CF members after their release.

There's something about your chief's story that's not adding up; generally, the only program available for someone to receive vocational training, that is not releasing medically, is through a program to upgrade their military skills to a civilian equivalent
The limit is $5400, once, as described below in CBI 210.802
www.forces.gc.ca/en/about-policies-standards-benefits/ch-210-misc-entitlements-grants.page

Note they have to still be serving, and they need to have prior approval of their Individual Learning Plan, something that is becoming more onerous to do since this type of vocational training has to relate to their current trade, and justify how it benefits the Forces.

It sounds more like the chief got out medically, or perhaps it was awhile ago when the Personal Enhancement Plan was still around. PEP granted up to $20000 for 20 yrs service, for vocational training. During a SCAN seminar in 2001 we were told PEP was eliminated largely due to gross misuse identified by TB audits; a good program ruined by a few selfish a**holes.
 
Your case is different, and whether you're entitled to voc rehab benefits or not, I would suggest you reach someone at one of the contact sites given below, to find out if anything is available to you.
Won't hurt to ask

www.forces.gc.ca/en/contact.page#benefits
« Last Edit: December 03, 2014, 14:11:29 by Petard »

Offline ueo

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SISIP Insurance for Released Members
« Reply #331 on: February 09, 2015, 16:34:19 »
My wife retired some years back and was offered and took membership in this plan. Rates have continually escalated and we asked Manulife what happens at age 75. Their response was the policy dies and any accrued funds are lost to us as this is a "term" policy. Can someone please offer advice/comments on this as we are completely at sea. If its elsewhere please advise.

For Mods: If this subject has come up elsewhere, feel free to move this.
« Last Edit: February 09, 2015, 21:59:29 by Bruce Monkhouse »
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Offline Fishbone Jones

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Re: Insurance for Released Members SISIP
« Reply #332 on: February 09, 2015, 17:33:43 »
Paid into it for years also. When I retired, they wanted to switch me over. I have insurance already. Given that anyone who has had dealings with SISIP appears to have as much trouble with them as VAC, I said "no thanks" and kept my $60\ month.
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Offline dapaterson

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Re: Insurance for Released Members SISIP
« Reply #333 on: February 09, 2015, 17:41:05 »
Term insurance, regardless of the insurer, has zero residual value.

The SISIP term insurance has decent rates; its one compelling factor for military members is that it does not have an exclusion for death due to an act of war; other policies generally do.

I am not a financial advisor or insurance advisor.  I would suggest you find a good financial advisor to determine what insurance would be appropriate for you at this point in your life.  If you're debt free with no dependants, it may not be necessary to continue to carry coverage; that's a decision you should make in consultation with a trusted advisor.
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Offline ueo

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Re: SISIP Insurance for Released Members
« Reply #334 on: February 11, 2015, 14:06:47 »
Thanks for the info. Contacted a financial manager and got pretty much the same. As we're mortgage free, I think we'll let this lapse next spring. We have other insurance and this is just an annoyance.
Take the tone of the company you are with. Lord Chesterfield

Offline Wookilar

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SISIP to Voc Rehab (CanVet)
« Reply #335 on: April 01, 2015, 20:02:59 »
Ok,

Looking for some info. Currently trying to get VAC Voc Rehab to actually plan my switch from SISIP to Voc Rehab (CanVet) and am getting pushback from my Voc Rehab case manager.

She says CanVet will not talk to me until I am done with SISIP. Problem with that is, I switch on Sep 12, 2015. School starts the week before and I need approval from VAC well before then so I can get registered.

SISIP has so graciously allowed me to try a few courses, under my Dr.'s care of course (actually, the Doc wrote SISIP a rather stern letter insisting that I be authorized), and I really want to continue.

Now, according to the MOU between DND/SISIP/VAC wrt transitions (I have a hard copy around here somewhere), it seems clear to me that, administratively at least, there is no reason why I cannot plan the way I need to.

But what do I know, I'm just an old Log O  >:(

Oh and the clowns refuse to authorize my ELB before then either.

Anyone have any advice on which buttons to push or which secret words I need to use on this one? "Red zone" does not work in this case apparently.

Thanks.

Wook
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Offline TCBF

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Re: SISIP to Voc Rehab (CanVet)
« Reply #336 on: April 01, 2015, 21:58:53 »
- What is Can Vet? I met with Rehab Counselor and the follow up letter was on SISIP-RARM Manulife Financial letterheads, and the signature block is Manulife Financial based.

- I had to divide my SISIP files into three: IRM (insurance), LTD Voc Rehab, and LTD financial.
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Offline Teager

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Re: SISIP to Voc Rehab (CanVet)
« Reply #337 on: April 01, 2015, 22:57:38 »
- What is Can Vet? I met with Rehab Counselor and the follow up letter was on SISIP-RARM Manulife Financial letterheads, and the signature block is Manulife Financial based.

- I had to divide my SISIP files into three: IRM (insurance), LTD Voc Rehab, and LTD financial.

CanVet VR Services has been contracted by VAC to provide vocational rehabilitation and vocational assistance services to help clients meet their vocational goals.

http://www.canvetservices.com/about-eg.html




Offline Teager

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Re: SISIP to Voc Rehab (CanVet)
« Reply #338 on: April 02, 2015, 20:22:21 »
Wook, maybe see if SISIP will provide something like a letter explaining your situation to VAC and that you will need VAC approval ahead of time to continue with your education as the SISIP funding will cease. Hope VAC gets themselves sorted out for you. I'm about to venture into voc rehab myself.

Offline TCBF

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Re: SISIP to Voc Rehab (CanVet)
« Reply #339 on: April 03, 2015, 00:37:37 »
- My counsellor was a retired Medic working for SISIP, Manulife as the insurer provides program funding. VAC doesn't enter into my Voc Rehab. Are we talking two different programs here?
"Disarming the Canadian public is part of the new humanitarian social agenda."   - Foreign Affairs Minister Lloyd Axeworthy at a Gun Control conference in Oslo, Norway in 1998.


"I didn’t feel that it was an act of violence; you know, I felt that it was an act of liberation, that’s how I felt you know." - Ann Hansen, Canadian 'Urban Guerrilla'(one of the "Squamish Five")

Offline Teager

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Re: SISIP to Voc Rehab (CanVet)
« Reply #340 on: April 03, 2015, 13:38:20 »
- My counsellor was a retired Medic working for SISIP, Manulife as the insurer provides program funding. VAC doesn't enter into my Voc Rehab. Are we talking two different programs here?

Yes, they are two different programs. SISIP provides 2 years of education from date of release with the ability to get 6 months education before release. SISIP may extend the benefit an extra month or 2 due to timing of school programs. However there are situations where vets can't start school upon release and may start the SISIP voc rehab a year into it or even after the 2 years has passed. This would mean SISIP will only pay for the remaining year and VAC should pick up whatever is remaining for your education under there voc rehab program. You must use the SISIP voc rehab benefit first before being able to use VACs voc rehab education benefit.

Hopefully I have that all correct as I'm learning all this as I jump into it as well.

Offline TCBF

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Re: SISIP to Voc Rehab (CanVet)
« Reply #341 on: April 03, 2015, 19:11:55 »
- Thanks for the information. Good to know.
"Disarming the Canadian public is part of the new humanitarian social agenda."   - Foreign Affairs Minister Lloyd Axeworthy at a Gun Control conference in Oslo, Norway in 1998.


"I didn’t feel that it was an act of violence; you know, I felt that it was an act of liberation, that’s how I felt you know." - Ann Hansen, Canadian 'Urban Guerrilla'(one of the "Squamish Five")

Offline Teager

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Re: SISIP to Voc Rehab (CanVet)
« Reply #342 on: April 17, 2015, 11:22:16 »
Wookilar have you managed to get any word on this issue?

Offline Wookilar

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Re: SISIP to Voc Rehab (CanVet)
« Reply #343 on: April 23, 2015, 12:50:13 »
Sorry for the delay, it's been exam time and this old dog needs the study time.

Teager, you are correct wrt SISIP and VAC programs. SISIP is very concrete and quite straightforward, rather easy to navigate. Their requirements for their program, while quite strict (and I do not agree with them) are at least understandable. VAC, and it will come as no surprise, is extremely vague in everything it does.

I have spoken to the VAC Ombudsman's people at length; they have given me a way forward.

Basically, I need to start the official transition process between SISIP Voc Rehab Councillor and my VAC Case Manager directly. I have to ask for this as it is not done automatically for some unfathomable reason. Once I get that ball rolling, and I get the refusal from CanVet that I have been told I will receive, then I can start that wrangling.

From what I understand, CanVet refuses to speak with any Vet still on SISIP and the case managers know this so they just do not bother trying. There is an MOU between DND/VAC/SISIP that I am still waiting for (I have an amendment to it from 2012, but not the MOU itself) that deals specifically with the transition from one to the other and how it is supposed to happen. The complaint process and who speaks to whom is in that.

I am waiting for a call back from my VAC case manager. I know her workload so I know it will not be quick.

Watch and shoot. I'll keep updating as I get any info.

Wook
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Offline Teager

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VAC/SISIP tips
« Reply #344 on: August 29, 2015, 18:46:46 »
Alright I figured I would share some pieces of info that may be useful to some people. Please share any other tips you might think are useful.

I am currently using SISIP and I inquired how one would report income to them if I owned my own online business. If I did the majority of transactions would be by PayPal then deposited to my bank account. I was told by SISIP that I can show my monthly bank statement of deposits or come to an agreed average that they deduct. The third option is most interesting. If you get your business incorporated you show SISIP the certificate and it will NOT affect your benefits because your business is now its own entity.

Now the other piece of info has to do with VACs Voc Rehab. In no way am I telling people to abuse the system. If you are releasing medically from the CAF and are wanting to go to university and not college due to your career choice you have that option depending on circumstances. You do not have to opt for college through SISIP however to go to university through VAC you would have to wait the 2 years of SISIP out before VAC will pay. A case manager cannot and will not tell you this however one has told me that this has been done before.

Offline MedTech32

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Re: VAC/SISIP tips
« Reply #345 on: August 30, 2015, 08:57:24 »
There are many ways to hide income from SISIP and others tracking your income...Some legal...others uh not so much...The easiest way to ask if your income will be deducted is to just ask.  I know it's almost impossible for those of us on ELB/SISIP to get ahead but losing everything because you lied won't help either.

As for the education...It is a HUGE disservice to not allow us to choose either the 2 year college funding with SISIP or the 4 year Funding from VAC.  I understand WHY you can't access BOTH but give us a choice please.
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Offline koreankid

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Re: VAC/SISIP tips
« Reply #346 on: September 10, 2015, 21:27:05 »
You may also be able to buy and sell property hold a year so you don't pay capital gains. This is a source of investment income, but is not a working income and is not tax deductible. worth checking into.

Offline bigcletus

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SISIP LTD Indexed ??
« Reply #347 on: January 01, 2016, 14:22:05 »
Can someone tell me if SISIP LTD is indexed?  Or do they actually claw back an amount based on our CFSA indexing increase, based on the 75% principle ??

Thanks

Offline bigcletus

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Re: SISIP LTD Indexed ??
« Reply #348 on: January 05, 2016, 11:57:20 »
Apparently with 182 reads, no one has the answer to this relative simple question??   

Offline George Wallace

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Re: SISIP LTD Indexed ??
« Reply #349 on: January 05, 2016, 12:09:31 »
Have you bothered to go talk to a SISIP Rep and ask your questions?
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