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SISIP Long Term Disability (LTD)

CAF/SISIPIncome and financial supportOften taxable; verify policy and premium history

It's common to feel unsure where to begin.

In one sentence

Canadian Armed Forces Long Term Disability (CAF LTD), commonly associated with administration, is an employer-sponsored group disability plan for eligible CAF members.

Who this is usually for

You may wish to explore this program if the following appear relevant: Eligibility depends on CAF membership, coverage status, release circumstances and the plan definition of disability.

What it may help with

Monthly disability income after release.
Vocational rehabilitation and return-to-work planning where available.
Case management and assessment under the group insurance plan.

2 min read·Preparation time varies by situationScroll to explore, or reach out if you are unsure

What is this?

Canadian Armed Forces Long Term Disability (CAF LTD), commonly associated with administration, is an employer-sponsored group disability plan for eligible CAF members. It can provide income replacement after release when a member is medically released or otherwise meets the plan definition of total disability. The plan may also include vocational rehabilitation. The governing policy, certificate, decision letter and case-specific calculation are essential because offsets, duration, definitions and reporting obligations differ from programs.

Income benefits may interact, offset one another, or require reporting of other income. Personal calculations require the actual policy, income information, and decision letters.

Never provide a personal offset calculation without the policy and letters.

Why someone might look at this benefit

You are medically releasing and need to understand LTD income after release.

You received an approval, denial, offset or overpayment notice.

You are also applying for VAC IRB or CPP-D.

You are considering education, work or self-employment while on LTD.

You need to distinguish SISIP financial services from CAF LTD insurance administration.

Who might qualify?

You may wish to explore this program if the following appear relevant: Eligibility depends on CAF membership, coverage status, release circumstances and the plan definition of disability. Medical release may support access to an initial benefit period, but continuing eligibility depends on the plan terms. After the initial occupation-based period, a broader any-occupation test may apply under the plan. The plan administrator, not , determines CAF LTD eligibility. Only Canadian Armed Forces Long Term Disability plan / administration or the legally responsible decision-maker can determine eligibility.

Only the responsible organization can determine eligibility.

What this benefit may help with

Monthly disability income after release.

Vocational rehabilitation and return-to-work planning where available.

Case management and assessment under the group insurance plan.

Where this may fit in your transition

Stage 6 Stage 7 Stage 8

See the full Veterans Transition Roadmap

Typical process

Contact SISIP/Manulife and meet all deadlines.

Obtain the current plan information and application package through the CAF transition/LTD process.

Submit medical and occupational information.

The plan administrator assesses eligibility and calculates payment.

Provide information about pensions, CPP-D, VAC benefits and earnings as required.

Participate in vocational rehabilitation where applicable.

Review all changes, offsets, reassessments and appeal rights in writing.

If you receive a decision

Offsets and overpayments can arise.

• Entitlement — whether the condition is related to service
• Assessment — the severity or percentage rating
• Effective date — when the benefit starts
• Calculation — how the amount was determined
• Approved services — what is covered and for how long
• Frequency or dollar limit — caps on treatment or services
• Reasons for denial — the specific basis for the decision

Every situation is different. Timelines vary based on the organization, the complexity of the application, and the volume of requests being processed.

What usually happens next

Application received

The organization typically sends a confirmation that your application was received.

Information requests

They may ask for additional medical, service, or financial records to support your application.

Review

A decision maker reviews your application, the evidence provided, and the applicable program rules.

Decision

You receive a written decision explaining the outcome, the reasons, and any review rights.

If approved

Benefits begin according to the program rules and the effective date stated in the decision.

If not approved

The decision letter explains why and describes your review or appeal options, including any deadlines.

Reassessment

If your condition or circumstances change, you may request a reassessment of the decision.

Reviews and appeals

Depending on the issue, you may request a departmental review or a hearing before the Veterans Review and Appeal Board.

Every situation is different. Timelines vary and are not guaranteed.

Evidence that may help

Medical restrictions

release

occupation demands

treatment

other-income decisions

insurer letters.

Not every document is required for every application. This list is for general awareness only.