Author Topic: SISIP LTD 2002 - 2018  (Read 333954 times)

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Offline Wookilar

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Re: SISIP LTD 2002 - 2018
« Reply #350 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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Re: SISIP LTD 2002 - 2018
« Reply #351 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: SISIP LTD 2002 - 2018
« Reply #352 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: SISIP LTD 2002 - 2018
« Reply #353 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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Re: SISIP LTD 2002 - 2018
« Reply #354 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 2002 - 2018
« Reply #355 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 2002 - 2018
« Reply #356 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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Offline bigcletus

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Re: SISIP LTD 2002 - 2018
« Reply #357 on: January 05, 2016, 12:17:33 »
To be honest, I'd rather pull my teeth out than talk to them....hence I'm here

Offline bigcletus

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Re: SISIP LTD 2002 - 2018
« Reply #358 on: February 23, 2016, 12:08:58 »
Can someone tell me why SISIP LTD is terminated at age 65 ??   Is that just an arbitrary age or based on the 1960's "old age" ??

With most people living well beyond 65, this creates a genuine hardship for those disabled when they need it most...(considering most vets also get their claw-back at that age as well)- a double hit...

Any comments/info greatly appreciated...

Thanks



Offline Pusser

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Re: SISIP LTD 2002 - 2018
« Reply #359 on: February 24, 2016, 09:00:22 »
My guess would be that LTD coverage stops at 65 because this is what most people consider "retirement" age.  Since LTD is designed to provide an income in lieu of a salary when one is disabled and unable to work, it only makes sense that LTD coverage would no longer be required once a person is retired and no longer working for a salary.  Presumably (hopefully), the retiree would then have his/her retirement income (pension, CPP, etc) and would no longer require LTD coverage because retirement income is not lost due to disability.

As an aside, there is no "clawback" due to CPP.  What happens is that the bridging benefit contained in the CFSA terminates at age 65, when most folks begin to collect CPP.  The CFSA was designed this way (as are the PSSA and RCMPSA).  There has been much discussion on this in this forum.

I wonder if anyone has discussed the fact that the normal entitlement age for CPP is soon to be 67 and whether it affects these things...
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Offline dapaterson

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Re: SISIP LTD 2002 - 2018
« Reply #360 on: February 24, 2016, 09:10:18 »
Pusser,

It's OAS, not CPP, that's transitioning to age 67 for eligibility.
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Offline bigcletus

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Re: SISIP LTD 2002 - 2018
« Reply #361 on: February 24, 2016, 09:13:48 »
As an aside, there is no "clawback" due to CPP.  What happens is that the bridging benefit contained in the CFSA terminates at age 65, when most folks begin to collect CPP.  The CFSA was designed this way (as are the PSSA and RCMPSA).  There has been much discussion on this in this forum.
You're correct, I just used "claw-back" for simplicity
Thanks

Offline Szczep

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Re: SISIP LTD 2002 - 2018
« Reply #362 on: February 24, 2016, 09:42:41 »
Why? because it is an INSURANCE company

Offline Pusser

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Re: SISIP LTD 2002 - 2018
« Reply #363 on: February 24, 2016, 11:30:02 »
Pusser,

It's OAS, not CPP, that's transitioning to age 67 for eligibility.

My mistake.  Thank you.
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Offline dapaterson

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Re: SISIP LTD 2002 - 2018
« Reply #364 on: February 24, 2016, 12:14:25 »
My mistake.  Thank you.

I'd rather give you good news and more money than bad news about less money later, but you're welcome.


Changing CPP in that way would require an overhaul of any combined pension - so the CFSA, PSSA and RCMPSA would require amendment and would become even more complex.
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Offline Blackadder1916

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Re: SISIP LTD 2002 - 2018
« Reply #365 on: February 24, 2016, 13:17:15 »
Can someone tell me why SISIP LTD is terminated at age 65 ??   Is that just an arbitrary age or based on the 1960's "old age" ??

With most people living well beyond 65, this creates a genuine hardship for those disabled when they need it most...(considering most vets also get their claw-back at that age as well)- a double hit...

Any comments/info greatly appreciated...

Thanks


It is not just SISIP.  Generally, all "Long Term Disability" insurance products in Canada have the same feature.  Benefits end at age 65.

http://www.benefitsconsultant.ca/group-benefits/long-term-disability-insurance.html
Quote
Long term disability (LTD) benefits typically contain the following characteristics:

Benefits are payable after the expiration of a qualifying period in which the employee is typically receiving benefits under a salary continuance plan, short term disability (STD) plan, or employment insurance
Definitions of disability are tied to the employee’s ability to perform their own job or any job
The monthly LTD benefit is a percentage of pre-disability earnings
The benefit period ends at age 65
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Offline Pusser

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Re: SISIP LTD 2002 - 2018
« Reply #366 on: February 26, 2016, 05:59:28 »
Changing CPP in that way would require an overhaul of any combined pension - so the CFSA, PSSA and RCMPSA would require amendment and would become even more complex.

Agreed.  That's why I was wondering how it would work out (but apparently it doesn't have to  :)).  I'm actually out of the country right now, so some things occasionally get lost in translation.

As for OAS, since I am unlikely to get any real benefit out of it, when it starts is of no real concern to me.
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Offline Ebo

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Re: SISIP LTD 2002 - 2018
« Reply #367 on: May 27, 2016, 19:14:25 »
I have been pre approved for SISIP. I really don't understand the difference between LTD, ELB etc...  I have a very difficult time following things now, while working I could handle 8 projects at once and loved it!

BG: I was bullied & harassed, had a breakdown, med released, still trying to recover. I trust NO ONE in the system
Situation: I use art as therapy and have sold some artwork. I would like to go pro and market etc.. But am limited in concentration, abilities, depression, panic etc...so need a safety net. I take meds.

If I sell art, is that considered work? I have been authorized by the MO to work up to 8 hours per week. Does SSIP consider that?

I don't trust anyone enough at SISIP to ask ( because of my complicated history) . I don't want SISIP in my business, I keep hearing people say that we paid into it, you're entitled to it, but it comes with conditions. One is, you can never improve yourself financially or they will dock you. Because of my skillset I can work temporarily and make more in a week than they give me in a month. But it comes at a price... The panic, anxiety etc return. But work is still good for me because it gives me a reason to get out of bed.

Please don't take this wrong, but I know many people on SISIP and they are exactly the same years after. They can't move forward or they're afraid to lose their monthly cheque. Afraid to take the chance and crashing. But I can't live on that allowance, I have debts, family and no savings.







Offline Teager

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Re: SISIP LTD 2002 - 2018
« Reply #368 on: May 27, 2016, 19:25:58 »
There is a way to collect your money from SISIP and work. You need to Incorporate your business. If you show SISIP that your Incorporated they won't touch the money you make. I asked them this myself and that's what I was told.

If you work and make money it has to be reported to SISIP. They will deduct whatever you make from what they give you per month unless you do what I said above.

Also note that you can tell SISIP to contact you by e-mail if you prefer. That's how I've been in touch with them for most things.

Offline paleomedic

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Re: SISIP LTD 2002 - 2018
« Reply #369 on: May 27, 2016, 19:29:35 »
You only get SISIP for the first 2 years. You can reapply but they may deem you "healthy/better" (not the right word but it makes the point).
SISIP tops you up to 75% of your pre-release pay.So if you make lots of money, you get nothing from SISIP that month. But if you have a hard month and are unable to work, at least you still get a paycheck so it's one less stress to worry about.

source: hubby medically released 3 years ago and qualified for and got SISIP.

Offline gryphonv

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Re: SISIP LTD 2002 - 2018
« Reply #370 on: May 27, 2016, 20:26:53 »
The best thing to do with SISIP LTD(Which is administered by Manulife) Is to stay on top of things. If you don't get a quick response to questions, follow up in a day or two. I was a very squeaky wheel when I started my process with them because of my OCD and wanting to stay on top of things.

Once things started to pick up with them and move along they assigned me to one of their managers because I guess I was a little difficult ( I was never rude but I definitely kept pushing for info). The manager told me he prefers to see that in members. He has seen a lot of people who assume its ok to just wait for things to happen. So if something does mess up like an undelivered email or something, that is time you will lose. He promised me if I send him an email if I don't get some sort of a reply that day or the next business day to give him a call.

Now with all that said. The 2 year SISIP LTD is really not truly accurate. Everyone that is medically released is auto approved for 2 years, you still have to get the right forms done, but you are approved.

Once the 2 years expires, if you are unable to gain employment that replaces at least 75% of your pre release income because of medical reasons you can get the LTD extended. You need a Dr. to sign off on this and you will need regular follow ups, but the 2 year limit isn't a hard end date for all members. It depends totally on your medical situation.

Also they do encourage people to earn supplementary income while on LTD. For every $ you earn will lose 50c towards the LTD. So while it isn't as bad as a 1:1. It still encourages people to stay active if you can. Which is arguably the most important thing about transition. Now there is a point if you make over 75% of your pre release pay you won't get any LTD for that period. But a little supplementary income won't hurt you with LTD.

Now I am no Medical expert, but if your Doc recommends no more than 8 hrs a week there may be a good cause once the 2 years is up and a reassessment  is done you will be approved for more than 2 years. The best way to look at LTD is a security net. You know you will always make at least a certain amount of money per month. If you can make more great, if you can't you will never make less than 75%.

I don't know enough about the accounting side of things, incorporation and such. But you deserve the LTD as any CAF member who medically releases does. Don't let anyone convince you otherwise.
« Last Edit: May 27, 2016, 20:50:04 by gryphonv »

Offline Ebo

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Re: SISIP LTD 2002 - 2018
« Reply #371 on: May 28, 2016, 17:52:23 »
Thank you everyone for your great replies. I might call them and talk to someone next week. Any DND related contact just sends me into a downward spin. I keep thinking it will go away but obviously not.

Thanks for giving back and caring about another buddy. It means a lot.

Offline gryphonv

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Re: SISIP LTD 2002 - 2018
« Reply #372 on: July 26, 2016, 14:30:06 »
I'm curious what deductions can I expect on my LTD payments vs regular pay? I know some things like mess dues will cease, but I am wondering if deductions like C.P.P. and E.I. are still deducted.

Cheers,

Offline Teager

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Re: SISIP LTD 2002 - 2018
« Reply #373 on: July 26, 2016, 14:39:29 »
I believe only federal taxes are deducted from LTD and any income that you make would also be deducted.

Offline gryphonv

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Re: SISIP LTD 2002 - 2018
« Reply #374 on: July 26, 2016, 14:52:46 »
I believe only federal taxes are deducted from LTD and any income that you make would also be deducted.

Thank you, this is what I was suspecting also. I've always heard how 75% ltd roughly matches your pay for take home pay for the month. I figured it was because of less deductions.