1 Components of SISIP Financial Services

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Components of SISIP Financial Services • Financial Planning • Long Term Disability Financial Counseling • Insurance Services Education Program Vocational Rehab Fully Administered Insurance products for Serving and Released Members of the CF, including transferability options • Accidental Dismemberment for both Service and Non-Service. Attributable injuries • by Manulife Rehab LTD • Adjudication • Set up LTD benefits • Client 2 of LTD Files Medical reviews • Client evaluations • Employment • Vocational Assistance Retraining

SISIP VRP - Pre Release – Time Line Early Planning – Your Choices – Your Decisions Injury Illness Transition from Point of Injury to Release averages more than 2 years Date of Release CF Transition Support CF Medical Release Processes Members should Apply at Disclosure 24 Mo and beyond SISIP LTD SISIP VOC REHAB Release Message 6 months prior To Release VAC SISIP Funding starts Up to 6 months Pre release

SISIP VRP – Post Release – Time Line Effective Date of Release 12 mo post EDOR 18 mo post EDOR 24 months post EDOR Age 65 SISIP LTD 12 month Medical Review SISIP LTD 18 month Medical Review SISIP 24 Month Decision SISIP VRP & LTD Entitlement- 24 consecutive months 4 If Totally Disabled Support Continues

Medical Support at a Glance Pre Release: All medical support is CF responsibility; Case management is provided by CF Case Managers. Post Release: Case management provided by VAC Case Manager Injured on Duty or Special Duty Area Contact VAC More than 10 years service Automatic access to Public Service Health Care Plan (PSHCP) with immediate coverage Less than 10 years service Apply to VAC for sponsored PSHCP – no dental coverage. 60 day wait with no extended medical coverage Provincial Health Care Plans 5

Claim Adjudication REGULAR FORCE MEMBER ADJUDICATION Eligibility Coverage in place 24/7 Injury does not have to be related to duty LTD Benefits based on salary at time of release Completion of Application and Attending Physician’s Statement 6 RESERVIST CLAIM ADJUDICATION Reserves Eligibility Class A, or Class B with less than 180 Day contract, injury must be on duty Class B over 180 Day contract or Class C then coverage is 24/7 LTD Benefits based on salary and Class at time of injury Completion of Application and Attending Physician’s Statement

SISIP LTD – Starting Requirements Non Medical Releases Direct application to SISIP within 120 days of release Adjudicated based on definition of Total Disability Medical Release Completion of Application at Disclosure Package (7 to 9 months in advance of Date of Release (DOR)) Projected DOR Confirmation of DOR prior to LTD payments Recognize change is coming, listen to what is happening and plan for it. Do not choose an early Voluntary Release if a Medical Release is in progress. The CF will not change your release category to “medical” post release. 7

LTD Definition of Total Disability You have been released from the CF and there is clear and objective medical evidence, which confirms that you are incapacitated by a medically determinable physical or mental impairment, which is preventing you from performing any and every duty of any substantially gainful occupation or employment for which you are qualified by education, training or experience 8

LTD Benefit Period LTD BENEFIT PERIOD Medical Release Initial 24 months of LTD benefits Medical reviews at 12 & 18 months Adjudication for Total Disability at 24 months Support beyond 24 months if Totally Disabled Annual medical reviews until no longer Totally Disabled or age 65 All other Categories of Release Adjudicated at time of release based on definition of Total Disability Annual medical reviews until no longer Totally Disabled or age 65 9

LTD Benefit Income Amount Regular Force Member (minimum income is equal to 75% of basic Cpl salary) 75% of Pay-at-Release with Offsets for: —CFSA Pension, CPP/QPP, Taxes, Employment income Reserve Force Member - Class A or Class B < 180 day contract: 75% of deemed salary with similar offsets to Regular Force Members; Minimum deemed salary is set at $2700 per month with the option to purchase higher levels of deemed salary where the need exists. Reserve Force Member - Class B Long Term or Class C (minimum income possible equal to 75% of basic Cpl salary) 75% of monthly pay at time of Injury with offsets similar to Regular Force Member 10

SISIP VRP - Plan Talk it Through

SISIP VRP – Program - What we do SISIP VRP is available to all clients eligible for LTD The Program Objective is to Prepare Clients for a Return to the Work Force through: Transition Counselling Vocational Retraining Employment Search Assistance 12 Get answers directly from the source and don’t rely on second hand information;

SISIP VRP Support Time Client contact at Disclosure – 7 to 9 months in advance of release After Member Statement AND Physician Statement are received; UP TO 6 months of vocational financial support before effective date of release. Up to 24 consecutive months of support from effective release date, totaling up to 30 months of VRP support 13 You are still a member of the CF until your effective date of Support beyond 24 months if release so you are subject to member meets the definition of the Chain of Command, work Total Disability. with it, not against it;

SISIP VRP - Employment Search Assistance Provide and Train Clients to create a Resume; Training on Interview techniques; Targeted Employment leads; Link to Priority Hiring programs; and Wage Subsidies; 14 Consider your options, don’t lock into one thing without looking at other possibilities and discussing them with the subject matter experts

Requirements for Vocational Support THERE MUST BE A NEED FOR TRAINING BEFORE IT WILL BE PROVIDED Plan must make medical sense. Training must build on existing skills. Training is provided for only one program. Training must be attainable within time limits and have realistic employment opportunities available. Training must give good value; Funding: 60% of projected first year salary. CAP: $25, 000. 00 max. Training must provide a recognized Certificate, Diploma or Degree 15

SISIP VRP – Vocational Support Program Funding 100% of Tuition and Books (max $25 K) Allowances Travel @ 20 cents km, Supplies @ $40; Internet @ $30, Dual Residency Allowance if needed; Child Care @ 50% of receipts to $750 max Educational Supports Safety Equipment Tutoring if required Others on a case Interest Free loans by case basis Parking (only with a Handicap Parking Permit) 16

Delivery Principles q With Client consent, information may be shared between supporting agencies and when the need exists SISIP will liaise with CF Case Managers and VAC subject matter experts to resolve issues relating to mutual clients; q SISIP is first payer and clients are not permitted to choose between programs; q SISIP will work with the CF (PSO, IPSC) to develop extended vocational opportunities and support: o CANFORGEN 151/07 (VRPSM) o CANFORGEN 94/10 (Educational Reimbursement) o CANFORGEN 183/11 (Integrated Transition Plan) 17

Key Messages There is life after the CAF; Short term decisions may have long term consequences; You are now your own Career Manager, accept the responsibility wisely. 18

Atlantic Canada: 1 -800 -565 -6463 Quebec: 1 -866 -648 -6463 Ontario: 1 -888 -686 -0152 Western Canada: 1 -866 -442 -2370 LTD CLAIMS 1 -800 -565 -0701 or Visit our website at: www. sisip. com 19