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You can save the long-term fee (approximately 1.2%) from the date you reach age 64 or “Factor 88.” Members are no longer entitled to long-term benefits under the Salary Indemnity Plan once they hit “Factor 90” (age plus contributory service) or age 65. It is up to you to apply to withdraw from LTD.

Withdrawal from the Long Term section of the Salary Indemnity Plan

  • 1. Check if you are eligible

  • 2. Complete the application form

  • 3. Gather all necessary documents

  • 4. Submit your application

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