Payment amount question

Disability Insurance
1

I’m currently in STD. It’s slow going as I have multiple ailments. With how slow the medical system is, don’t even have a diagnosis yet, let alone any sort of recovery. My max STD weeks would be reached in the first week of January. Currently my payments are calculated using last years income (using gross from final paystub of 2024)

  1. If I was to require LTD would the calculations be done using the last paystub of 2024 or 2025? If 2025 with the STD payments being only 66% of wages, the calculations would end up being much lower. Or will they continue to use the original calculation?

  2. Another question I have is do I have to report a 10 day vacation to Sunlife in advance? The only reference to time out of country is, “You are absent from Canada longer than 4 weeks for any reason, unless pre-approved in writing by the Plan Administrator.”

2

My answers:

  1. If you have a normal Sunlife policy , the. LTD will be based on your full income not your reduced STD income.
  2. No, if that is the clause in your policy then you don’t have to report a 10 day vacation.
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3
  1. Your last worked income so what STD was based on.
  2. No reporting necessary.
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