1. Leader’s Wellness
Your Health Benefits

2. 3 Tips for Health Care LTD – Long Term Disability
CI – Critical Illness
Paramedical – Focus on Counselling

4. LTD – Long Term Disability For Full Time Workers
Leading Causes of Long Term Disability Claims
Musculoskeletal/connective tissue disorders
Cancer
Injuries and poisoning
Cardiovascular/circulatory
Mental disorders
Nervous system-related
Pregnancy and childbirth complications
Other…

5. When to Apply for LTD
Call Deacon Insurance Here – regardless of your plan
Apply Between Here
Day 1
119 Days
179 Days
Start of being Absent from Work
End of Qualifying Period
Deadline to Apply for LTD

6. Who is Who? Wawanesa is our Group Health Insurance Provider
Some may have Sunlife, Manulife, Great- West Life, Blue Cross or Green Shield
Green Shield manages our online submission services
Deacon Insurance deaconinsurance.ca is our broker and they collect premiums and they pay Wawanesa
Winch Group Negotiates Contracts for the District

7. CI – Critical Illness For Full Time Workers $5000 one time payment
Alzheimer’s Disease – determined by Neurologist
Blindness - worse than 20/200 in both eyes or field of vision < 20 degrees
Cancer – see booklet
Coronary Artery Bypass Surgery
Failure of Both Kidneys
Heart Attack
Major Organ Transplant
Multiple Sclerosis
Parkinson’s Disease
Stroke

8. Paramedical 90% of your bills up to $500 per calendar year, combined
Psychologists
Christian Counsellors
Registered Clinical Counsellors
Social Workers

9. Special Long Links