SISIP LTD and PIA/Sup

I got a copy of my med. , dental and metal health records before I released.

No problem, guys. Have a good night.

Sabrelove

ya I'm slow tonight call me ray elever til tomorrow lol.

propat

Thanks sabrelove. I will put in the requests tomorrow.

Will do propat lol

ya sent this before I seen sabers she has more detail follow that .

thanks saber

propat

maybe ???? depends how long . however you will have to ask DND for a copy .

propat

Panser, if you have released, you will need to send in a request to the Access to Information (Privacy Act) for a copy of your medical records.  You can get a paper copy or a copy on CD.  I also recommend you request a copy of you pers file and your dental records too.  Here is the link:

http://www.cic.gc.ca/english/department/atip/requests-personal.asp

It can take a while to get them.  It was 8 months before I received a copy of my med docs and I was out of the Reg F for 3 years before I put in my request.

Sabrelove

I never had a family doctor in Fredericton. Would the MIR still have my file and would I have the ability to request it be sent to my new doctor? I might make a few calls tomorrow (everything is closed now.)

exactly.

Panserbjørn, what about your med docs from Fredericton? If you have not requested them, you should contact your old doctors office and have them forward them to your new doctor in BC.

I am in the process of applying for CPP(D) but where I just moved my new family doctor just met me. I doubt that would affect the CPP decision but how can the doctor properly write about me and my prognosis if she has only met me once for ten minutes. Just enough time to write a script.

It all worked out for me when I started receiving CPPD. My pension and SISIP went down a total amount together around the same amount as my CPPD is.

No, SISIP pays me a deemed $2000 per month. They thenn take off CPPD's value of $1,000 and my CF pension of $220. I currently get $909 per month.

Sun Life takes $1,000 off for my CPPD too. So I lose $2000 for getting $1000. No one would agree to that. That is crazy. I'm better off without CPPD. Then I would get $5300 per month. Now I get $4150.

Here is an analysis I did just then for a BC vet having trouble with VAC's ELB which cut her off. She is 102% disabled:

While chatting with BC vet having trouble obtaining Permanent Impairment Allowance Supplement to go with her grade 3 PIA, I was struck by several facts:

1. SISIP's own occupation definition of disability is any disability that stops you from making 100% of your salary at the time you were released medically;

A. They used the wrong definition of disability, "any occupation" from 1969-1999, a major act of NEGLIGENCE! Probably GROSS NEGLIGENCE;

B. In 1999, when they fixed this, they made SISIP LTD automatic on medical release. A very common sense decision as the CF member is certainly unable to do their own trade if they were released as the CF Medical Officers certified this in law (Queen's Regulations & Orders 15.01). They failed, however, to amend the policy & it still contains the old definition;

C. The policy also fails to define what the "any occupation" definition of disability. VAC has established Earnings capacity Loss Benefit (ELB) as a "mirror" of SISIP. To get ELB to age 65, you must be Totally & Permanently Incapacitated (TPI). That designation also triggers 2 payments:

(i) Permanent Impairment Allowance (PIA) for the loss of promotion & seniority. I am of the opinion that EVERYONE medically released must get this based on the common sense proposition that EVERY medical release will cause TOTAL loss of promotion & seniority. How can you garner seniority & promotions in rank when you have been fred for becoming disabled? You are no longer there! As this is a Capital payment, you should not get taxed & you can make this in addition to working. A new job would have NOTHING to do with your old job so the loss of promotions & seniority continue for LIFE! We know PIA is lifetime;

(ii) Permanent Impairment Allowance Supplement, introduced in 2010, adds an additional set amount if the TPI designation causes you to be unable to work! An insane proposition. It actually states that you have to be unable to perform at a job that is 66.67% of your salary on release. That means it is easy to prove. Look at your employment record & see if you made 67% of what you used to make. Income, not SISIP or ELB. This means that you get that if you work! Walter Callaghan this is interesting stuff. For life too, a Capital (tax free, damages) payment;

2. So it seems that the SISIP LTD program dovetails into ELB. This has the following ramifications:

A. Approval to 65 on either is approved on the other;

B. Approval for ELB following SISIP means that ELB starts at the "any occupation" stage & must continue to age 65 with PIA & PIAS adding capital payment.

C. This makes an application for PIA/PIAS totally irrelevant as I stated before, medical release or Total Disability triggers those;

D. Think of the savings in administrative costs as VAC can reassign those workers now wasting the taxpayers' money adjudicating case without reason;

E. There is an interesting aspect though, as SISIP LTD must continue to age 65 if ELB is approved as SISIP = ELB & ELB approved to age 65 means SISIP to age 65;

F. Veterans will be quick to point out that this would not matter as SISIP is clawed back from ELB, to which I reply:

(i) SISIP LTD has a non-assignability clause & government must respect contracts;

(ii) SISIP LTD is non-indemnity & contributory which means that ELB cannot take it off in the common law (Cugliari v White ONCA 1998; Sulz BCCA 2006);

(iii) SISIP LTD cannot take ELB as NVC s. 89 prohibits & VAC has been clawing back SISIP LTD since 2006. To reverse the process is ABSURD;

So to recap:

1. The veteran I am trying to help has been on SISIP (2 years) + ELB (2 years) so obviously she is TPI as the programs are claimed to be "complementary" & do not "stack." I say that as she on the mirror program past the 2 years where the "own occupation" definition kicks in. As it stands now, SISIP does 2 years "own occupation," followed by VC doing another 2 years "own occupation!" That is ABSURD;

2. VAC is delaying the normal process used by all of the other Federal LTD plans. Delay saves money;

3. It also causes major privacy invasion as it means that you are under their thumb for twice as long;

4. They re saving major dollars in damages for injury in service. The old pension did not take CPP, SISIP LTD or the CF pension into account while ELB does;

5. They are also trying to rewrite the common law of Tort damages by adding CONDITIONS such as Rehabilitation to damages or no money.

This makes me somewhat happy I am not getting a pension and SISIP. I shudder at the thought of having to deal with SISIP and CPP(D).

The thing is lawnboy, SISIP is contracted to pay you 75% of your pre-release pay, minus other sources of income.

So if before getting CPP(D), your monthly SISIP was $3000, and deducted $1500 for your CF pension. It would still leave you with a total of $3000/mo.

So now you are awarded CPP(D) of $1000 for that month and you had to pay back $300 to the Cf pension, and $1000 to SISIP, leaving you with a total of $500 for SISIP, 1200 for your CF pension, and $1000 for CPP, leaving you with only a gross total of $2700.

When In actuality , it should be recalculated so $3000, minus the reduced CF pension of $1200, and the $1000 for CPP(D), would still leave you with the full $3000 per month