Annex 1 (continued)

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B. Requirements specific to weekly indemnity plans

In addition to the requirements explained in Part A above, weekly indemnity plans must also meet the following requirements:

1. Benefit duration

Weekly indemnity plans must pay benefits until the earliest of the following:

• the payment of at least 15 weeks of benefits;
• the end of the period of incapacity due to illness or injury;
• the date the employee retires; or
• the date of separation from employment for any reason other than illness or injury, if the notice of separation was given prior to the beginning of the illness or injury.

 Special weekly indemnity plans (for provincial/territorial or para-public employers) must pay benefits until the earliest of the following:

• the payment of at least 52 weeks of benefits;
• the end of the period of incapacity due to illness or injury;
• the date the employee retires; or
• the date of separation from employment for any reason other than illness or injury, if the notice of separation was given prior to the beginning of the illness or injury.

2. Reinstatement of benefits following the end of a disability

Weekly indemnity plans must provide reinstatement of full benefits to an employee within a specified period of time for new and recurring disabilities - that is, at least 15 weeks of benefits must be again available to an employee who returns to work following the end of an illness or injury.

The requirements for reinstatement are as follows:

• If the subsequent disability is new, full benefits must be reinstated no later than one month after the employee returns to work.
• If the subsequent disability is a recurrence of an earlier one, full benefits must be reinstated no later than three months after the employee returns to work.

For a plan based on an hour-bank principle, the requirements are as follows:

• If the subsequent disability is new, full benefits must be reinstated when the employee accumulates no more than 150 hours of active employment.
• If the subsequent disability is a recurrence of an earlier one, full benefits must be reinstated when the employee accumulates no more than 400 hours of active employment.

Special weekly indemnity plans (for provincial/territorial or para-public employers) must provide for the reinstatement of a full 52 weeks of benefits to an employee no later than one month after the employee returns to work for both new and recurring disabilities.

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