Review of Benefits available to CAF members and Cadets

CAF Transition Services

Member who is qualified in its occupation and

will be honourably released

and

if veteran was honourably released and qualified in its occupation

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Second Career Assistance Program (SCAN)

No

No

Yes

Yes

Yes

No

No

(TBC)

The Military Employment Transition (MET) Program - through Canada Company website

honourably released and occupation qualified

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Vocational Rehabilitation Program for Serving Members (VRPSM)

completed two years of consecutive full-time service,

and

member will be released for medical reasons (item 3 (a) or 3 (b))

and

Commanding Officer approves

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Veteran Hiring Act

Federal Public Service Employment Priority Appointment for Eligible 3(a) or 3(b) Released CAF Members – STATUTORY Priority

Member is released under item 3(a) or 3 (b) with a Veterans Affairs Canada (VAC) determination for injury attributable to service

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Veteran Hiring Act

Federal Public Service Employment Priority Appointment for Eligible 3(a) or 3(b) Released CAF Members – REGULATORY Priority

Released under item 3(a) or 3 (b)

No

No

Yes

Yes

Yes

No

No

(TBC)

Veteran Hiring Act

MOBILITY provisions for Federal Public Service Employment for internal appointment processes

a) Has more than 3 years of service.

b) For serving members and honourably released members for up to 5 years after date of release

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Veteran Hiring Act

PREFERENCE provisions for Federal Public Service Employment for external appointment processes

Has more than 3 years of service

and honourably released for up to 5 years after date of release

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Canadian Forces Return to Work Program (CF RTW)

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Soldier On – support through physical activity and sport

Serving member or veteran with permanent or chronic, visible or non-visible, illness or injury

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Injured Soldier Network (ISN) peer support network

physically injured and ill, serving members

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Joint Personnel Support Unit (JPSU) HQ Client Services (families also have access to the services through the IPSC)

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Posting to the Joint Personnel Support Unit (JPSU) and the Service Personnel Holding List (SPHL)

On a case by case basis, members may be eligible for posting to JPSU

and

 must be on Reserve Force Compensation (RFC) or Extension of Class C Service,

and

posting is also at the discretion of the Reserve unit Commanding Officer

No

No

No

No

Yes

No

No

(TBC)

Extension of Class “C” Reserve Service for Personnel whose Injury or Illness is sustained on Special Duty Service (SDS) – Compensation and Benefits Instructions 210.72(13)

Member sustained an injury or illness while serving on Class “C” Special Duty Service may be eligible for extension of Class “C”

No

No

No

Yes

No

No

No

(TBC)

Reserve Force – Compensation during a period of injury, disease or illness (RFC) – Compensation and Benefits Instructions 210.72

member suffers a service-related injury or illness which continues beyond the period of service in which the injury or illness occurred. The member must not be in receipt of compensation benefits for an injury, disease or illness under the Government Employees Compensation Act (GECA)

Yes

Yes

Yes

Yes

No

No

No

(TBC)

Home Modifications Benefit – Compensation and Benefits Instruction for the Canadian Forces 211.01 

member that

1.at the time the impairment is sustained, is entitled to medical care at public expense under QR&O paragraph 34.07(4) (Entitlement to Medical Care); and

2.after the impairment is sustained, remains entitled to medical care at public expense under QR&O paragraph 34.07(4)

and, if

a. the member sustains a permanent catastrophic impairment; or

 b. the member sustains a temporary catastrophic or a non-catastrophic impairment and is assessed as reasonably and necessarily needing home modifications.

Yes

Yes

Yes

Yes

Yes

No (see below - League insur)

No

(TBC)

Home Modifications Move Benefit – Compensation and Benefits Instruction for the Canadian Forces 211.015

member that

1.at the time the impairment is sustained, is entitled to medical care at public expense under QR&O paragraph 34.07(4) (Entitlement to Medical Care); and

 2.after the impairment is sustained, remains entitled to medical care at public expense under QR&O paragraph 34.07(4)

and

when entitled to the Home Modifications Benefit

Yes

Yes

Yes

Yes

Yes

No (see below - League insur)

No

(TBC)

Vehicle Modifications Benefit – Compensation and Benefits Instruction for the Canadian Forces 211.02

member that

1.at the time the impairment is sustained, is entitled to medical care at public expense under QR&O paragraph 34.07(4) (Entitlement to Medical Care); and

 2.after the impairment is sustained, remains entitled to medical care at public expense under QR&O paragraph 34.07(4)

and

if

the member sustains a permanent catastrophic impairment

Yes

Yes

Yes

Yes

Yes

No (see below League insur)

No

(TBC)

Home Assistance Benefit – Compensation and Benefits Instruction for the Canadian Forces 211.03

member that

1.at the time the impairment is sustained, is entitled to medical care at public expense under QR&O paragraph 34.07(4) (Entitlement to Medical Care); and

 2.after the impairment is sustained, remains entitled to medical care at public expense under QR&O paragraph 34.07(4)

and

if

a. the member sustains a permanent catastrophic impairment; or

 b. the member sustains a temporary catastrophic or a non-catastrophic impairment and is assessed as reasonably and necessarily needing home assistance

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Attendant Care Benefit (Afghanistan only) – Compensation and Benefits Instruction for the Canadian Forces 211.04

member that

1.at the time the impairment is sustained, is entitled to medical care at public expense under QR&O paragraph 34.07(4) (Entitlement to Medical Care); and

2.after the impairment is sustained, remains entitled to medical care at public expense under QR&O paragraph 34.07(4)

And

if

the member sustains, on operations in Afghanistan:

 a. a permanent catastrophic impairment; or

 b. a temporary catastrophic or a non-catastrophic impairment and is assessed as reasonably and necessarily needing attendant care.

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Caregiver Benefit (Afghanistan only) – Compensation and Benefits Instruction for the Canadian Forces 211.05

member that

1.at the time the impairment is sustained, is entitled to medical care at public expense under QR&O paragraph 34.07(4) (Entitlement to Medical Care); and

 2.after the impairment is sustained, remains entitled to medical care at public expense under QR&O paragraph 34.07(4)

And

if

a. a dependent child physically resides with the member; and

 b. the member sustains on operations in Afghanistan: i.e. permanent catastrophic impairment; or

 ii. a temporary catastrophic or a non-catastrophic impairment which is assessed as preventing the member from engaging in the caregiving activities in which he or she engaged prior to those operations.

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Designated Assistant (DA) - link between the Canadian Armed Forces (CAF) and the casualty, the Next of Kin (NOK), the personal representative, and any substitute decision-maker

the member is missing, seriously ill/injured (SI) or very seriously ill/injured (VSI) and incapable of making informed decision

Yes

Yes

Yes

Yes

Yes

No

(see below)

No

(TBC)

National Military Cemetery (NMC)

serving and honourably released members of the Primary Reserve (and immediate family members)

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Operational Stress Injury Social Support (OSISS) – peer support and partnership program between the Department of National Defence and Veterans Affairs Canada

Members, veterans and their families

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Next of Kin Travel Benefit (NKTB) ill / injured member  – Compensation and Benefits Instructions for the Canadian Forces 211.07

next of kin and travel assistants of ill / injured member and conditions of CBI 211.07(3) (Entitlement) are met

and

Member that

1.at the time the impairment is sustained, is entitled to medical care at public expense under QR&O paragraph 34.07(4) (Entitlement to Medical Care); and

 2.after the impairment is sustained, remains entitled to medical care at public expense under QR&O paragraph 34.07(4)

Yes

Yes

Yes

Yes

Yes

No (se below - League insur -

Family transportation benefit)

No

(TBC)

Federal Public Service Employment – Spousal Priority Entitlement Benefit for Surviving spouse or common-law partner - for advertised external appointment processes

Surviving spouses or common-law partners of the member, whose death is attributable to the performance of duties

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Spousal Education Upgrade Benefit (Afghanistan only) – Compensation and Benefits Instruction for the Canadian Forces 211.06

Member that

1.at the time the impairment is sustained, is entitled to medical care at public expense under QR&O paragraph 34.07(4) (Entitlement to Medical Care); and

 2.after the impairment is sustained, remains entitled to medical care at public expense under QR&O paragraph 34.07(4)

and

if the member:

 a. sustains, on operations in Afghanistan, a permanent catastrophic impairment; and

 b. could not benefit from any federal tuition or vocational assistance program.

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

HOPE Program (Helping Our Peers by Providing Empathy) peer support program

family member of a deceased CAF member or veteran

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Travel and Living Expenses-  Entitlements Next of Kin (NOK)  when a Canadian Armed Forces (CAF) Member Dies  - Queen’s Regulations and Orders 209.02

As per QR&O 209.02, eligible Next of Kin of a member who dies on service

(NOK on form DND 2587)

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Funeral and Burial Expenses – Compensation and Benefits Instruction for the Canadian Forces 210.20

member who died on service

(the personal representative has the sole legal authority to determine funeral service and place of burial provisions)

Yes

Yes

Yes

Yes

Yes

No (see below - League insur – funeral expense)

No

(TBC)

The Road to Mental Readiness (R2MR) Program (member and family)

member is serving

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Allowance – Loss of Operational Allowances (ALOA)

member who is deployed or assigned in a SDA or on a SDO and becomes a military casualty is eligible for ALOA if the:

1. member is no longer able to serve in the SDA or on a SDO; and
2. payment of some, or all, allowances related to the member's service in the SDA or SDO has ceased.

No

No

No

Yes

Yes

No

No

(TBC)

Canadian Forces Superannuation Act (CFSA) – Pension Benefits – Information for Reserve Force Members

Member meets specific eligibility thresholds to either participate in the Reserve Force Pension Plan (CFSA Part I.1) or become a contributor under the Regular Force Pension Plan. Benefits are based on rules that depend on either years of pensionable service or CAF service, age, earnings/salary, and circumstance at release.

Yes

Yes

Yes

Yes

No

No

No

(TBC)

Education Reimbursement (ER) – Primary Reserves -

Compensation and Benefits Instructions 210.801

Member completed the Basic Military Qualification (BMQ) or Basic Military Officer Qualification (BMOQ)

Yes

Yes

Yes

Yes

No

No

No

(TBC)

Regular Force Release Information (Financial Aspects)

Leave Entitlement - Payment to Service Estates - Compensation and Benefits Instruction for the Canadian Forces - 205.74

member dies or is presumed to have died

No

Yes

Yes

Yes

Yes

No

No

(TBC)

Canadian Forces Severance Pay (CFSP)

member transfers or is released from the Regular Force or the Primary Reserve Force

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Medical Treatment and Expenses coverage – Queen’s Regulations and Orders 34.07, Medical Services

during specified periods of eligibility based on duty status and the relatedness of the illness or injury to military service

Yes

Yes

Yes

Yes

Yes

Yes, under certain conditions only– see below

No

(TBC)

Wills and Service Estates

member is being enrolled,

after the birth or adoption of a child, after  a change of marital status,

or

 during personnel readiness verification

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Canadian Forces Member Assistance Program (CFMAP) Offered by the Employee Assistance Services of Health Canada in partnership with the Canadian Armed Forces

the situation or issue for which assistance is sought must be directly linked to service in the Canadian Armed Forces (CAF). Notwithstanding this condition, the individuals from any of these groups may contact CFMAP and receive an initial assessment followed by an appropriate referral.

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Reserve Dental Care Plan (RDCP)

the member has completed 3 months of continuous service in either the Regular  Force or the Reserve Force

and

is in the Primary Reserve on:

·         Class “A” (member only is covered)

·         Class “B” 180 days or less (member only is covered)

• Class “B” more than 180 days, only eligible dependents are covered under this plan and member is covered under CF Spectrum of Care  or QR&O 35, Dental Services.
• Class “C” member covered under CF Spectrum of Care  or QR&O 35, Dental Services and may participate for eligible dependants under the Dependant’s Dental Care Plan (DDCP)

Yes

Yes

No

No

No

No (see below - League Insur – Dental benefit)

No

(TBC)

Dependants Dental Care Plan (DDCP)

the claim is for an eligible dependant of the member who completed 3 months of continuous service in either the Regular or Reserve Force  on

• Class “B” more than 180 days The member's eligible dependants, eligible to claim under this benefit for the duration of the member's Class “B” service.

• Class “C” member’s eligible dependants

No

No

Yes

Yes

Yes

No

No

(TBC)

Canadian Forces Superannuation Act (CFSA) – Survivor Benefits - Reserve Force member contributor to the Regular Force Plan

member is a contributor to the Regular Force Plan, Survivors will be entitled to receive benefits based on the rules that apply to that plan

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Canadian Forces Superannuation Act (CFSA) – Survivor Benefits - Reserve Force member who  participated in the Reserve Force Plan with less than two years of pensionable service

Participant in the Reserve Force Plan with less than 2 years of pensionable service may receive

The greater of:

■a return of contributions with interest; and

 ■an amount corresponding to the average monthly pensionable earnings in the 12 months prior to the month of death multiplied by the number of years of pensionable service.

 ■If there is no surviving spouse, the benefit of $1,000 or more is payable to the member's estate. If the benefit is less than $1,000, an amount equal to a return of contributions is payable to the member's next of kin.

Yes

Yes

Yes

Yes

No

No

No

(TBC)

Canadian Forces Superannuation Act (CFSA) – Survivor Benefits - Reserve Force member participated in the Reserve Force Plan with two or more years of service

Member participated in the Reserve Force Plan with two or more years of pensionable service, survivor may receive

■an annual allowance equal to 1% of the greater of the member's total pensionable earnings and his/her total updated pensionable earnings. This amount, known as the basic allowance, is equivalent to 66 ⅔ % of the lifetime portion of the pension entitlement the member has earned.

 ■Benefits may also be payable to children and will depend on the number of children who qualify for an allowance and the presence of a surviving spouse.

 ■If there is no surviving spouse or child to whom an annual allowance may be payable, a benefit equal to five times the annual pension benefit the member would have been entitled to at the time of death, less applicable tax, would be paid to the member's estate if $1,000 or more. The benefit would be payable to the member's next of kin if it is less than $1,000.

Yes

Yes

Yes

Yes

No

No

No

(TBC)

Move to Intended Place of Residence (IPR) on Release or On Transfer from the Regular Force  (this is a Regular Force benefit that may be available for those who transfer to the Reserves)

member has transferred from the Regular Force and fulfills the required criteria (trained, number of continuous Regular Force years of service and release item)

of the benefit

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Return  Move (this is a Reserve Force relocation benefit) - Canadian Forces Integrated Relocation Program Directive Chapter 13

member was moved at the current place of duty at public expense

Yes

Yes

Yes

Yes

No

No

No

(TBC)

Supplementary Death Benefit (SDB)

the person is a designated beneficiary (if no beneficiary has been named the SDB will be paid to the member’s estate)

No

No

No

Yes

Yes

No (see below)

No

(TBC)

Death Gratuity – Reserve Force other than Class “C” Reserve Service - Compensation Benefits Instructions 205.73

a member is reported dead, presumed dead or reported missing (application criteria as per Compensation Benefits Instructions 205.73)

and

A member was a Reservist on

·         Class “A,”

·         Class “B”

·         Class “C”  (if not eligible for Supplementary Death Benefit (SDB))

Yes

Yes

Yes

Yes

No

No (see below)

No

(TBC)

Canada Revenue Agency (CRA) Disability Tax Credit

member has severe and prolonged impairment in physical or mental functions

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Government Employee’s Compensation Act (GECA) – Disability Benefits

member is injured or becomes ill on the job and member is not in receipt of Reserve Force Compensation (RFC)

Yes

Yes

Yes

Yes

No

No

No

(TBC)

Reserve Government Employee's Compensation Act (GECA) – Survivor Benefits

if an accident or illness leads to the death of the member

and

the member was not in receipt of Reserve Force Compensation (RFC)

Yes

Yes

Yes

Yes

No

No

No

(TBC)

Canada Pension Plan (CPP) Disability Benefits

the contributor is found to have been disabled according to the terms of the CPP legislation and have made sufficient contributions to the plan(s). The contributor must also be under the age of 65 and apply in writing.

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Group Medical Benefits – Public Service Health Care Plan (PSHCP)

The member is in the Primary Reserve on Class “A”, “B” or “C” service

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Pensioners’ Dental Services Plan (PDSP)

Pensioners in receipt of a recognized ongoing pension benefit under the Canadian Forces Superannuation Act (CFSA), and survivors in receipt of a recognized ongoing survivor's or children's benefit under the CFSA are eligible for coverage under PDSP.

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Québec pension Plan (QPP) – Disability Benefits

a contributor resides in Quebec, and has a severe and permanent disability recognized by the Régie's (QPP) medical advisers. The contributor must have made sufficient contributions to the QPP, be under the age of 65, and apply in writing.

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Québec Pension Plan (QPP) Survivor Benefits

…must have sufficiently contributed during their lifetime, reside in Quebec and apply in writing

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Canada Pension Plan (CPP) Survivor Benefits

contributor has made enough contributions to the CPP and application is made

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

 Veterans Affairs Canada Benefits and Services

Reserve Force member is still serving

or

was released

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Royal Canadian Legion - Service Bureau

A veteran or family member contacts a Legion Service Officer directly to request assistance

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

United Nations (UN) Military – Death and Disability Compensation

Member dies or becomes disabled while participating during a United Nations mission

No

No

No

Yes

Yes

No

No

(TBC)

SISIP - Optional Group Term Insurance (OGTI) (Regular Force Only)

Yes

No

No

(TBC)

SISIP - Reserve Term Insurance Plan (RTIP)

member applies

Yes

Yes

Yes

Yes

Yes

No (see below - League Insur)

No

(TBC)

SISIP - Accidental Dismemberment (AD)

(included in Reserve Term Insurance Plan (RTIP) coverage)

member has opted to enroll in group term life insurance coverage SISIP plan

Yes

Yes

Yes

Yes

Yes

No (see below - League Insur)

No

(TBC)

SISIP - Dependent Life Insurance (DL)

member has coverage in force under RTIP, DL coverage is automatic

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

SISIP - Accidental Dismemberment Insurance Plan (ADIP)

(separate coverage, all CAF members are automatically covered)

dismemberment is attributable to military service

(Senior officers covered by the General Officers Insurance Plan (GOIP) or the Reserve GOIP are not eligible for ADIP benefits)

Yes

Yes

Yes

Yes

Yes

No (see below - League Insur)

No

(TBC)

SISIP - Insurance for Released Members (IRM)

releasing or released CAF member applies:

 within 60 days of release (no proof of insurability required to transfer existing coverage); or

after 60 days, or to increase coverage, or no previous SISIP term insurance coverage (proof of insurability required)

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

SISIP - Coverage After Release (CAR) (replaced by IRM on or  1 Oct 2005)

released before 1 Oct 2005

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

SISIP - Spousal Disability Plan (SDP)

CAF member or a former member applies for coverage either for a "spouse" or, under specific circumstances, for oneself

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

SISIP - Survivor Income Benefit (SIB)

members who were already with this coverage prior to 14 Oct 1998

Yes

Yes

Yes

Yes

Yes

No

(see below – League Insur)

No

(TBC)

SISIP - Reserve General Officers’ Insurance Plan (Res GOIP)

Primary Reserve Force officers in the substantive rank of Colonel and above in all classifications, and Lieutenant-Colonel in the legal classification are eligible* for coverage under the Res GOIP on the date of promotion to the lower eligible rank, or on the date of employment in the Primary Reserve Force service at the lower eligible rank.

* Coverage is not automatic. Enrolment process must be completed and eligibility is confirmed by SISIP Financial Services.

Yes

Yes

Yes

Yes

No

No

No

(TBC)

SISIP - Optional Life Insurance under Res GOIP

application to purchase this additional insurance is made

No

No

Yes

Yes

No

No

No

(TBC)

SISIP - Long Term Disability (LTD) – includes the SISIP LTD Vocational Rehabilitation Program (VRP)

member released from the Canadian Armed Forces (CAF) for medical reasons or, 

if member is releasing for other reasons but qualifies as being “totally disabled”

and

application is made within 120 days after the effective date of release

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

SISIP - Travel insurance

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

SISIP - Financial Planning

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

SISIP  - Canadian Armed Forces Savings Plans (CAF SP)

member is serving or released

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

SISIP - Canadian Forces Group Retirement Savings Plan as of November 1st, 2014, this program continues under the new CAF Savings Plans

member is serving or released

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

SISIP - Financial Counseling and access to a Support Our Troops loans and grants

serving members and their families

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

SISIP - Personal Financial Management Education

attending CAF Basic Military Qualification program

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Support Our Troops - Financial assistance (low interest loans and/or grants)

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Support Our Troops - Vacations for Vets Program

illness or injury attributable to military service in a Special Duty Area / Special Duty Operation and are in receipt of a VAC benefit for that illness or injury. *Limit one vacation every 2 years per eligible member

Yes

Yes

Yes

Yes

Yes

No

No

(TBC)

Canadian Defence Community Banking (CDCB) Student Line of Credit program (SLOC), in partnership with BMO Bank of Montreal.

member of the CAF Defence Community

Yes

Yes

Yes

Yes

yes

No

No

(TBC)

Accidental Death, Dismemberment and Specific Loss Indemnity

Army Cadet League

Navy Cadet League

Air Cadet League

Class 1 – All cadets and visiting cadets, ages 12-20

Class 2 – All full-time employees, officers, instructors, members of National Committees, Directors and Officers, volunteers, Advisory Board Members and escorts, under age 70

Classes 3 & 4 – Same as Class 2 except age 70 and under 90

Class 1 – All cadets and visiting cadets, ages 9 years, 8 months to 20 years)

Class 2 & 4 – All full-time employees, officers, instructors, members of National Committees, Directors, volunteers and escorts, under age 70; and the President of the branch

Class 3 – Same as Class 2 except age 70 to under 80

Class I – All cadets and visiting cadets 12 to 22

Class 2 – All full-time employees, members of national committees, directors and officers of the League, volunteers, escorts and members of the Advisory Board, under the age of 70

Class 3 and 4 – All full-time employees, members of national committees, directors and officers of the League, volunteers, escorts and members of the Advisory Board, age 80 and over, but under age 85

Life

$10,000

$50,000

$5,000

$10,000

$50,000

$5,000

$10,000

$50,000

5,000

Both Hands

“

“

“

“

“

“

“

“

“

Both Feet

“

“

“

“

“

“

“

“

“

Entire Sight of Both Eyes

“

“

“

“

“

“

“

“

“

One Hand and One Foot

“

“

“

“

“

“

“

“

“

One Hand and the Entire Sight of One Eye

“

“

“

“

“

“

“

“

“

One Foot and the Entire Sight of One Eye

“

“

“

“

“

“

“

“

“

Speech and Hearing in Both Ears

“

“

“

“

“

“

“

“

“

One Arm

$7,500

$37,500

$3,750

$7,500

$37,500

$3,750

$7,500

$37,500

$3,750

One Leg

“

“

“

“

“

“

“

“

“

One Hand

$6,667

$33,333

$2,778

$6,667

$33,333

$2,778

$6,667

$33,333

$2,778

One Foot

“

“

“

“

“

“

“

“

“

Entire Sight of One Eye

“

“

“

“

“

“

“

“

“

Speech or Hearing in Both Ears

“

“

“

“

“

“

“

“

“

Thumb and Index Finger of Either Hand

$3,333

$16,667

$1,667

$3,333

$16,667

$1,667

$3,333

$16,667

$1,667

Four Fingers of Either Hand

“

“

“

“

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Hearing in One Ear

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All Toes on One Foot

$2,500

$12,500

$1,250

$2,500

$12,500

$1,250

$2,500

$12,500

$1,250

Quadriplegia

$20,000

$100,000

$10,000

$20,000

$100,000

$10,000

$20,000

$100,000

$10,000

Paraplegia

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Hemiplegia

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Weekly Accident Indemnity

If prevented from doing occupation.

$35/week

Elimination period: 7 days

Maximum payable period: 26 consecutive weeks

= $910

N/A

N/A

For those gainfully employed: $35/week

Elimination period: 7 days

Maximum Payable Period: 26 weeks = $910

N/A

N/A

When prevented from performing the substantial and material duties of His Occupation:

$35/week

Elimination period: 7 days

Maximum Payable Period: 26 weeks = $910

N/A

N/A

Accident Medical Reimbursement Benefit

$10,000 for medical treatment within 30 days of the accident

$10,000

$10,000

$10,000 for medical treatment within 30 days of accident

$10,000

$10,000

$10,000 for medical treatment within 30 days of accident

$10,000

$10,000

Accident Dental Reimbursement Benefit

$2,000 for treatment within 30 days of the accident or expenses for such treatment or service within 12 months of accident

$2,000

$2,000

$2,000 for treatment within 30 days of the accident or expenses for such treatment or service within 12 months of accident

$2,000

$2,000

$2,000 for treatment within 30 days of the accident or expenses for such treatment or service within 12 months of accident

$2,000

$2,000

Tutorial Expense

$500

N/A

N/A

$500

N/A

N/A

$500

N/A

N/A

Repatriation Benefit

$15,000 max

$15,000 max

$15,000 max

$10,000 max

$10,000 max

$10,000 max

$15,000 max

$15,000 max

$15,000 max

Identification Benefit

$10,000 max

$10,000 max

$10,000 max

N/A

N/A

N/A

$10,000 max

$10,000 max

$10,000 max

Funeral Expense Benefit

$5,000 max

$5,000 max

$5,000 max

N/A

N/A

N/A

$5,000 max

$5,000 max

$5,000 max

Bereavement Benefit

$5,000 max (up to 6 sessions of grief counselling)

$5,000 max

$5,000 max (up to 6 sessions of grief counselling)

N/A

N/A

N/A

N/A

N/A

N/A

Spousal Retraining Benefit

$15,000

$15,000

$15,000 max (not to exceed in the aggregate)

N/A

N/A

N/A

$15,000 max

$15,000 max

$15,000 max

Psychological Therapy Benefit

$5,000 max, up to two years from date of injury

$5,000

$5,000 max, up to two years from date of injury

N/A

N/A

N/A

N/A

N/A

N/A

Burn Benefit

Varies by body part, not to exceed Principal Sum = $10,000

Varies by body part, not to exceed Principal Sum = $10,000

Varies by body part, not to exceed Principal Sum = $10,000

N/A

N/A

N/A

N/A

N/A

N/A

Cosmetic Reconstructive Surgery

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Comatose Benefit

$50,000 overall max, pays 1% of Principal Sum for each month in comatose state = $100/month

$50,000 overall max

$50,000 overall max

N/A

N/A

N/A

N/A

N/A

N/A

Hospital Indemnity Expense

$2,500/month max,

pays daily 1/30^th of 1% of Principal Sum, 12 months max = $3.33/day

$2,500/month max,

pays daily 1/30^th of 1% of Principal Sum, 12 months max = $3.33/day

$2,500/month max,

pays daily 1/30^th of 1% of Principal Sum, 12 months max = $3.33/day

N/A

N/A

N/A

N/A

N/A

N/A

Family Transportation Benefit

$15,000 max

$15,000 max

$15,000 max

$10,000 max

$10,000 max

$10,000 max

$15,000 max

$15,000 max

$15,000 max

Rehabilitation Benefit

$15,000 max, within 3 years of accident

$15,000 max

$15,000 max

$10,000 max, within 2 years of accident

$10,000 max

$10,000 max

$15,000 max

$15,000 max

$15,000 max

Home Alteration and Vehicle Modification Benefit

$15,000 max, within 3 years of accident

$15,000 max

$15,000 max

$10,000 max, within 3 years of accident

$10,000 max

$10,000 max

$15,000 max

$15,000 max

$15,000 max

Cadets and Civilian Volunteers

Canadian Armed Forces Members

(Including Cadet Instructor Cadre)

Reservists (including Cadet Instructor Cadre) and Civilian Instructors

Benefit

Cadet League Insurance1

Service Income Security Insurance Plan2 (SISIP)

Canadian Forces Superannuation Act (CFSA)3 Compensation and Benefits Instructions (CBI)4

Veterans’ Affairs Canada (VAC)5

Government Employee Compensation Act (GECA)/Workers’ Safety Insurance Board (WSIB)6

Income Replacement

$35/week for cadets, up to $910 maximum

75% of income through (Long Term Disability) LTD (Regular Force member)

Minimum per month of $2025 (75% of $2,700 assumed salary) through LTD (Reservists)7

N/A

75% of income during rehabilitation, will receive a minimum of $42,426

Maximum $2,213.28 (plus $340.98 per dependent child) per month after rehabilitation

Career Impact Allowance of $592.26 - $1,776.77 per month

Varies by province

For example: Ontario 85% of net pay up to $85,2008

Permanent Impairment/ Non Economic Loss

Lump sum $20,000 for cadets

Lump sum $100,000 for adults

Lump sum up to $250,000 through OGTI or RTIP (if purchased), non-duty

Lump sum up to $250,0009 through Accidental Dismemberment Insurance Plan (ADIP), on duty

N/A

Lump sum up to $310,378.59

Lump sum of $70,840.00 through the Critical Injury Benefit, service-related

Varies by province

Example in Ontario: Lump sum of $32,344.47 - $84,093.66, depending on age

Death

Lump sum of $10,000 for cadets

Lump sum of $50,000 for adults

Lump sum up to $600,000 via Optional Group Term Insurance (OGTI) (Regular Force) or the Reserve Term Insurance Plan (RTIP)

(if purchased)

Lump sum of two years income (Regular Force member)

Lump sum of 20 months of Regular Force equivalent pay

(Reservists)

Lump sum of $310,378.59 to spouse

Plus Earnings Loss Benefit of $42,426 minimum to spouse

Varies by province 

Example in Ontario: Lump sum of $39,307.99 - $117,924.03, depending on age.

Plus pension of 20 to 60% of income to spouse depending on age.  OR if spouse has a minor dependent, pension of 85% of income (no age factor)

Canadian Armed Forces (CAF) or Equivalent

Provincial / Territorial Plan or Equivalent

Cadet League Accident Insurance, Service Income Security Income Plan (SISIP), Workplace Safety & Insurance Board (WSIB) of Ontario, Government Employee Compensation Act (GECA), Reserve Force Compensation (RFC), or Equivalent

Claim against the Crown or Respective Organization

Veterans Affairs Canada (VAC), Canada Pension Plan (CPP) or Equivalent

Cadets (including Staff Cadets)

(12-18 years old)

CAF provides emergency care through onsite walk-in clinics at Cadet Training Centres (CTC) during the summer. If additional care is required, cadets are brought to a civilian hospital.

For all authorized cadet activities, the CAF will pay for costs above provincial/territorial health care plans, if approved by the Base/Wing Surgeon.

Universal health care

Cadet League accident insurance: Covered

SISIP: N/A

RFC: N/A

GECA/WSIB: N/A with the exception of Staff Cadets, who may be eligible

The only avenue outside of Cadet League insurance.

VAC: N/A

CPP Disability Benefit: N/A

Cadet Instructor Cadre (CIC) Officers

(18 to 64 years old)

and

Primary Reservists (on tasking with cadets)

(16.5 to 54 years old)

CAF provides emergency medical care for Reservists on Class A and B (less than 180 days) contracts, and follow-up care for service-related injuries (i.e., beyond provincial/territorial coverage).

Provide healthcare as per the Spectrum of Care for Class B+ (full time, 180+ days) (i.e., will receive the same care as Regular Force members).

Universal health care

Cadet League accident insurance: N/A

SISIP: Entitled to Accidental Dismemberment Insurance Plan (ADIP), as well as Long-Term Disability (LTD) if released medically while on full-time service.  If released while on Class A, LTD is conditional to total disability. Entitled to Term Life Insurance and off-duty Accidental Dismemberment (if purchased).

GECA/WSIB or RFC: May be eligible.  A Reservist may choose the best compensation method applicable to the situation.

N/A

VAC: May be eligible

CPP Disability Benefit: May be eligible

Reserve Death Gratuity (Compensation Benefits Instructions 205.73) through the CAF: May be eligible. Provides 20 months of Regular Force wages at equivalent rank and classification, if deceased while on duty.

Regular Force Members (on tasking with cadets)

Covered by the CAF as per the Spectrum of Care.

N/A

Cadet League accident insurance: N/A

SISIP: Entitled to ADIP, as well as LTD if released under a medical item or if totally disabled and released under a non-medical item. Entitled to Term Life Insurance and off-duty Accidental Dismemberment (if purchased).

GECA/WSIB or RFC: N/A

N/A

VAC: May be eligible

CPP Disability Benefit: May be eligible

Supplementary Death Benefit through the Canadian Forces Superannuation Act: May be eligible

Civilian Instructors (on contract with the Department of National Defence)

(at least 18 years old)

CAF provide first aid, but subsequent care would be covered by the provincial/territorial health care plan.

Universal health care

Cadet League accident insurance: N/A

SISIP: N/A

GECA/WSIB: May be eligible

RFC: N/A

Can submit a claim if not in receipt of GECA/WSIB

VAC: N/A

CPP Disability Benefit: May be eligible