Salary Indemnity Plan (SIP) General – Frequently Asked Questions
The Salary Indemnity Plan is not insured by an insurance company
regulated under the Financial Institutions Act. The BCTF is exempt
from the regulatory requirements of the Financial Institutions Act.
Included for your information are some basic responses
to frequently asked questions regarding the Salary Indemnity Plan. If your
question is not answered, please contact our office at 604-871-1921.
Who is eligible to receive SIP benefits?
The following people
participate in the plan:
- All active members of the
Federation employed by a school board or a local association on a regular
full-time or regular part-time assignment;
- All employees of the
Federation except those specifically exempted from participation in the plan by
the Federation; and
- All affiliate administrative
members not participating in a wage loss replacement plan may participate in
the plan, providing they do so within 30 days of appointment as an
Are TTOCs allowed to participate?
No, TTOCs are not permitted
to participate in the Plan. The provincial collective agreement between the
Federation and BCPSEA prohibits TTOC participation.
How much do Plan members pay in SIP
Plan members pay a fee of 1.67% of their salary for
the 2017-18 fiscal year (July 1-June 30). 0.46% of salary is allocated to the
short-term plan while 1.21% of salary is allocated to the long-term plan.
While on SIP are my union dues paid?
Fees like BCTF, local dues and SIP are all waived while in receipt of both
short and long-term benefits. However, those fees will be deducted for any
portion the member is working accommodation employment. (Regulation 7.3—locals and the
BCTF also waive their fees)
Are SIP benefits taxable? How do I get my T4?
SIP benefits are not taxable because it is a self-insured plan. You have
already paid income tax on the monthly fee deducted from your salary, therefore
the benefits cannot be taxed. You will not receive a T4.
While on SIP, will my Teachers’ Pension be paid?
Members on SIP receive full pensionable credit for the portion of time for
which they receive benefits.
Will SIP pay my benefits (medical/extended
Unfortunately, SIP does not cover those benefits. A member applying for SIP is
encouraged to consult with their school district or local union office to
inquire about maintaining benefits. In some cases, the school district will
continue to cost-share the benefit premiums for a period of time.
Does SIP pay Canada Pension Plan (CPP) and Employment
Insurance (EI) premiums?
SIP does not pay CPP and EI premiums. A member, in receipt of disability
benefits, is not employed by the SIP. Therefore, CPP contributory time is not
credited and disability benefits are not considered insurable earnings under
the EI mandate.
Are my medical bills paid by
No, SIP Regulation 3.8 says: “Expenses incurred by the member in obtaining
medical certificates or other requested information under this regulation shall
be borne by the member….” The only exception is when a member is required to
submit to an independent medical examination (IME) by medical professionals
selected by the plan administrator
When would benefits not be paid?
Benefits may not
be paid if you:
not receiving appropriate treatment as recommended by your treating physician
not provided the required medical information
not filed a WCB claim where your illness/injury is the result of a work-related
not submit to an independent medical examination by a physician when required
to do so by the SIP Administrator
not participating in a substance withdrawal program recognized by an addiction
medicine specialist where your illness is caused by drug or alcohol abuse
a prison sentence or are confined in a similar institution
any work for wage or profit except as approved by us
fraud or misrepresentation
What are my
responsibilities while I receive disability benefits?
While you are on claim, you are expected to
participate in appropriate treatment as recommended by your treating physician.
You are also expected to submit to an independent medical examination by a
licensed physician when required by the plan administrator. You are also
required to provide, at periodic intervals, medical evidence of continuing
Does the BCTF share medical information with my employer?
No. All medication, diagnosis and
treatment information obtained by SIP concerning your health is strictly
confidential and not shared with anyone at your employer unless specifically
authorized by you.