Salary Indemnity Plan (SIP) General – Frequently Asked Questions
The Salary Indemnity Plan is not insured by an insurance company
regulated under the Financial Institutions Act. The BCTF is exempt
from the regulatory requirements of the Financial Institutions Act.
Included for your information, are some basic responses to
frequently asked questions regarding the Salary Indemnity Plan. If your
question is not answered, please contact our office at 604-871-1921, or toll
free at 1-800-663-9163, ext. 1921.
Who is eligible to receive SIP benefits?
The following people participate in the Plan:
- All active members
of the Federation employed by a school board or a local association on a
regular full-time or regular part-time assignment.
- All employees of
the Federation, except those specifically exempted from participation in the Plan
by the Federation.
- All affiliate
administrative members not participating in a wage loss replacement plan may
participate in the Plan for up to a maximum of 12 months, provided they apply
within 30 days of appointment as an administrative officer.
Are TTOCs allowed to participate?
No, TTOCs are not permitted to participate in the
Plan. The provincial collective agreement between the Federation and BCPSEA
prohibits TTOC participation.
How much do Plan members pay in SIP dues?
Plan members pay a fee of 1.97% of their salary for
the 2020–21 fiscal year (July 1–June 30). Of this portion of a member’s
salary, 0.51% is allocated to the short-term plan, while the remaining 1.46% is
allocated to the long-term plan.
While on SIP, are my union dues paid?
As per SIP Regulation 7.3, fees, such as BCTF and Local dues, and SIP fees, are
all waived while in receipt of both short and long-term benefits. However,
those fees will be deducted for any portion the member is working accommodation
Are SIP benefits taxable? How do I get my T4?
SIP benefits are not taxable because it is a self-insured plan. You have
already paid income tax on the monthly fee deducted from your salary; therefore,
the benefits cannot be taxed, and you will not receive a
While on SIP, will my Teachers’ Pension Plan be paid?
Members on SIP receive full pensionable credit for the portion of time for
which they receive benefits.
Will SIP pay my benefits (medical/extended
Unfortunately, SIP does not cover those benefits. A member applying for SIP is
encouraged to consult with their school district or local union office to
inquire about maintaining benefits. In some cases, the school district will
continue to cost share the benefit premiums for a period of time.
Does SIP pay Canada Pension Plan (CPP) and Employment
Insurance (EI) premiums?
SIP does not pay CPP and EI premiums. A member, in receipt of disability
benefits, is not employed by the SIP. Therefore, CPP contributory time is not
credited and disability benefits are not considered insurable earnings under
the EI mandate.
Are my medical bills paid by SIP?
No. The only exception is when a member is required to submit to an independent
medical examination (IME) by medical professionals selected by the Plan Administrator.
SIP Regulation 3.8 states:
Expenses incurred by a member in obtaining medical
certificates or other requested information under this regulation shall be
borne by the member, except that the costs of an independent medical
examination required under regulation 3.4 shall be borne by the plan.
When would benefits not be paid?
Benefits may not be paid if you:
- are not receiving
appropriate treatment as recommended by your treating physician.
- have not provided
the required medical information.
- have not filed a Workers’
Compensation Board (WorkSafeBC) claim where your illness/injury is the work-related.
- do not submit to
an independent medical examination by a physician when required to do so by the
- are not participating
in a substance withdrawal program recognized by an addiction medicine
specialist where your illness is caused by drug or alcohol abuse.
- serve a prison
sentence or are confined in a similar institution.
- complete any work
for wage or profit except as approved by us.
- commit fraud or
What are my responsibilities while I receive
While you are on claim, you are expected to
participate in appropriate treatment as recommended by your treating physician.
You are also expected to submit to an independent medical examination by a
licensed physician, when required by the Plan Administrator. You are also
required to provide, at periodic intervals, medical evidence of continuing
Does the BCTF share medical information with my
No. All medication, diagnosis and treatment
information obtained by SIP concerning your health is strictly confidential and not
shared with anyone at your employer (school board), unless specifically
authorized by you.
Revised July 2020