2016 Annual Report

Claims Administration –
Long Term Disability

The Plan provides LTD benefits to Nova Scotia Public Sector employees who become disabled from work due to illness or injury.

The Trustees of the Plan have outsourced the LTD Claims Administration to Manulife Financial.

The Plan office is in continual communication with Manulife, ensuring agreed upon service standards and expectations are met. Working closely with Manulife and with the individual needs of Plan members and employers in mind, disability claims management practices are developed in conjunction with current industry best practices. Results in 2016, particularly around return to work, are reflective of the collaboration and commitment between employers, their employees, and Manulife.

Using proven claims management strategies, it is the goal of the Plan to provide an LTD Plan that meets the needs of today while also planning for the future.

LTD claims for the past five years

Source: Manulife Financial

LTD claims distribution by employer as at December 31, 2016

* All District Health Authorities prior to 2015
Source: Manulife Financial

LTD Claims Activity for 2016

* Claims balances are accurate as of the end of business day.
Source: Manulife Financial

LTD Claims Resolve for a Number of Reasons as at December 31, 2016

* Disabled from own-occupation, but not any occupation.
Source: Manulife Financial

Overall, the total claims resolved were down in 2016. It is important to note that this was driven by a significant decrease in 2016 of closures because of retirement/benefit expiry, and deaths, as compared to 2015. In 2016, there was an encouraging increase in return to work closures.

The Plan has limited to no control with regard to when claims close because of retirement/benefit expiry and death. However, the increase in return to work is reflective of the Plan’s commitment to rehabilitation. Manulife case managers and rehabilitation specialists have worked collaboratively and successfully with Plan members and employers to assist Plan members with return to work.

LTD Rehabilitation Resolution Percentages at December 31, 2016

Source: Manulife Financial

Distribution of All LTD Claims by the Top Five Diagnoses as at December 31, 2016

Compared to 2015, 2014, and Manulife's client base.

* The Top Five Diagnoses account for under 80% of all approved LTD claims
Source: Manulife Financial

Top Five Diagnoses for Claims Approved in the Year 2016

Source: Manulife Financial