Long Term Disability Insurance (LTD) provides a more permanent income replacement as your medical condition prevents you from working over a longer time period. It offers a form of income protection in the event that an illness or disability leaves you unable to return to work. Disability benefits are different from workplace compensation benefits, as disability benefits arise from an illness or injury, which is not required to occur on the job. Whereas workplace compensation benefits are given as a result of being in the course of your employment. There are benefits to having LTD Insurance. Many of Teachers Life Members have LTD coverage through the OSSTF Provincial LTD Plan. 1. Income Replacement: LTD provides you with a portion of your income that can go towards living expenses, which may also include medical treatment and rehabilitation. LTD insurance is part of your group benefits plan. If you become unable to...
With warmer weather making an appearance, we know that the Victoria Day weekend is just around the corner! Whether you’re spending the long weekend in the city, or heading to the cottage, you want to make sure you keep your children busy with enjoyable, learning activities that will keep their minds and bodies busy throughout the weekend. We know that it is just as important to keep our students learning outside of the classroom, as it is inside the classroom. Below we have put together a list of 5 different activities for your children to enjoy in the city or at the cottage this Victoria Day weekend! In the City 1. Canoeing and Kayaking in and around Toronto – A list of local equipment shops across the city that rent canoes and kayaks. Spend a day paddling the waters, and enjoy an early dinner by the waterside. Sounds perfect to...
Women are often ignored when it comes to financial planning. Mother’s Day is a great time to reflect on how much the women in our lives mean to us. Through each stage of life, they provide us with their love, guidance, care and support. Planning for the future is one way mothers care for their families - to help ensure that they are taken care of, no matter what. And it doesn’t have to be complicated. Here are three smart ways we can all support our families now and into the future. 1. Plan for your children’s education As educators, we know the value of education. Planning and putting aside a sustainable amount each month in a Registered Education Savings Plan (RESP) or in a Tax-Free Savings Account (TFSA) can be an important part of a family’s financial plan. Speak with a financial advisor to see what’s right for you...
Mother’s Day is just around the corner, the day to celebrate and recognize the most important educators in a student’s life. Celebrating Mother’s Day gives students the opportunity to focus on the important adults in their lives, as well as learn about their peer’s families. We know students love to make their mothers feel extra special on their big day, and in our classroom, we also know it is about showing appreciation to our mothers everyday. Here are a few activities and crafts for students to get their “Thank you Mom” gears in motion! Tea Pot Poem – Teatime is Mom’s relaxation time, so why not give her a head start with a cut out teapot poem. Attach mom’s favourite teabag to the spout! Hand Heart – A super quick and easy craft idea to show mom how much you love her! Coffee Filter Flowers – Beautiful, colourful, full...
