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Effective January 1, 2016, Beneplan has entered into an agreement with The Co-operators Life on The Beneplan Co-operative’s long term disability benefits. For the first time, this block will be operating on a refund accounting basis. This means that after reserves, fees, and claims are paid, any surplus money left over will be fully refunded to […]

Employment Law and Disability Insurance (Davies Howe Partners LLP) from Beneplan Co-operative

This article is also published in the HR Professional Magazine, HRPA Today. A colleague once remarked to me that seven people in his department, out of a company of 400 people, had claimed short-term disability (STD) for stress leave in the last two years. I asked how this could be – is there something going […]

This article is also published in HR Professional magazine and HRPA Today. What should you do when an employee needs time off to deal with a mental health issue? Let’s say that you have an important employee come in to your office and state that they need to go on sick leave. Based on office […]

If you own a business that has a group long term disability (LTD) plan, and you are enrolled, you should consider opting out and buying an individual LTD policy instead. Only business owners are allowed to opt out of group LTD – regular employees cannot. Why would a business owner opt out of LTD? Almost […]

This bulletin is an excerpt from the group benefits newsletter of The Co-operators Life Insurance Company. If a plan member has a work-related injury, it is important for them to submit a completed disability claim application form and any other supporting documents to Beneplan, who will submit to the insurance company, within the time periods […]

In the fall of 2009, CBC reported that Nathalie Blanchard, who was on long term disability (LTD) for depression, had her benefits cut off by Manulife after they found pictures of her on Facebook having fun on the beach and in a bar with friends. She claimed that she was trying to have fun on […]