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Salary Indemnity Plan Coverage

How much does SIP short-term pay?
SIP benefits are 50% of the salary reported to us by the school district. The benefit is non-taxable. In addition, the member does not pay, but receives credit for having paid, their pension as well as local and BCTF fees.   

How long does SIP short-term last? 
A contract teacher is entitled to a maximum of 120 days of short-term disability benefits, in respect of any one claim.      

What if I receive income from another source? How will that impact my SIP short-term benefit?
SIP regulations state that your disability benefits are reduced by payments from the Workers’ Compensation Board (WCB) for the same accident or illness; Employment Insurance (maternity/parental); the Teachers’ Pension Plan; a retirement pension received under a registered pension plan, if the retirement income from that plan would be considered earnings under section 35 of the Employment Insurance Regulations; or from employment.     

How much do Plan members pay in SIP dues?
Plan members pay a fee of 1.97% of their salary for the 2020–21 fiscal year (July 1­–June 30). Of this portion of a member’s salary, 0.51% is allocated to the short-term plan, while the remaining 1.46% is allocated to the long-term plan.  

While on SIP, are my union dues paid?
As per SIP Regulation 7.3, fees, such as BCTF and Local dues, and SIP fees, 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.  

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, and you will not receive a T4.  

While on SIP, will my Teachers’ Pension Plan 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 health/dental/life insurance)? 
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 SIP? 
No. 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.  

SIP Regulation 3.8 states:   

Expenses incurred by a member in obtaining medical certificates or other requested information under this regulation shall be borne by the member, except that the costs of an independent medical examination required under regulation 3.4 shall be borne by the plan.  

When would benefits not be paid?
Benefits may not be paid if you:

  • are not receiving appropriate treatment as recommended by your treating physician.
  • have not provided the required medical information.
  • have not filed a Workers’ Compensation Board (WorkSafeBC) claim where your illness/injury is the work-related.
  • do not submit to an independent medical examination by a physician when required to do so by the SIP Administrator.
  • are not participating in a substance withdrawal program recognized by an addiction medicine specialist where your illness is caused by drug or alcohol abuse.
  • serve a prison sentence or are confined in a similar institution.
  • complete any work for wage or profit except as approved by us.
  • commit 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 disability.     

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 (school board), unless specifically authorized by you.