This booklet has been prepared to help you better understand your Long-Term Disability Plan. However, it does not take the place of any contractual or other rights. In the event of discrepancy between any information contained in this booklet and the Group Policy, the terms of the Group Policy will apply.
There are times in your career when sickness or injury prevents you from working and earning your regular income. Without adequate financial protection your family's financial security and way of life could be compromised. The Teamsters Canada Rail Conference, through its Trustees, has total ownership of their Long Term Disability Plan providing to their Members a cost efficient and effective income replacement Plan. Your Long Term Disability Plan is designed to protect you from loss of income resulting in long periods away from work because of (nonoccupational) illness or accidental injury.