Medical Retirement - Sunlife topup

1

Hi all,

I’ve had to take medical retirement after working in the federal government for 28 years. (neurological disorder)

For the last 10 years at the government I’ve been a full time employee working a reduced work week, meaning I have paid into my pension at the full rate which benefits my pension amount when I did retire of course,

I’m grateful that Sunlife will give me a small top up until I reach 65 to offset my early retirement reduced penalty however they are using my 2008 gross salary to calculate (the time I started with Sunlife)

has anyone experienced something like this case? Sunlife going back to your salary 12 years ago for the calculation, I was told by someone at Sunlife that this is the way it is even if you are working in the federal government while receiving disability, She told me that I should have stopped Sunlife at one point and then restarted with a waiting period and they would have been using my newer salary or close to it. (a difference of 25kish gross)

Thanks for any feedback folks

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2

reduced pension?
Do you have “medical retirement” which I don’t think is reduced?

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3

Thanks Jammer you are correct, pension gave me the wrong info

4

Check the wording of your policy – not a summary or brochure but the actual insurance contract. It may say that your LTD benefits are based on ‘original’ salary or ‘pre-disability’ salary. If it says benefits are based on current or most recent salary you should ask them to recalculate. Hope this helps.

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5

I chuckled when I read that, MY only salary is pre-disability.

That’s not helpful. :frowning:

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