Members Who Have Reached 85 Points

Effective April 1, 2017 under the terms of the CTY and LE Long-Term Disability Plan with Canada Life there is a provision that states Long-Term Disability insurance coverage terminates when you have reached 85 points.  on the earliest of the following dates:

  • The date the Member satisfies the age and service requirements for an unreduced, early retirement pension (85 points with a minimum of 55 years of age and 25 years of service)

Members who have continued to be deducted LTD premiums following the date they satisfied the age and service requirement for an unreduced, early retirement pension, may apply for the reimbursement of those premiums (this will only apply to premiums deducted as of April 1,2017 and later).

To apply for reimbursement

To apply for reimbursement, you must submit a written request by completing the Application Form for Reimbursement of LTD Premiums Paid After Reaching 85 Points (Minimum Age 55 – and 25 Years’ Service).

The Board of Trustees meets on a quarterly basis and at the meetings each application is reviewed and if everything is in order, your application will be approved for payment.

CPKC Employee Services has been requested to administratively cease LTD premium deductions once you have reached 85 points. If you notice you are continuing to pay LTD after you have reached 85 points, please contact the Account Manager, Laura Barlett at The Account Manager will confirm that you have reached 85 points with Pension Services and contact Employee Services to cease your LTD premium deductions.

Click here to download the application form.