74. (1) The Dependents’ Life Insurance Plan shall provide, in respect of each employee who chooses to participate in the Plan other than an employee to whom subsection (2) or (3) applies, life insurance coverage chosen by the employee as follows: 1. A multiple of $10,000 to a maximum of $200,000 for the spouse of the employee. 2. $1,000, $5,000, $7,500 or $10,000 for each child of the employee. 3. If the employee chooses to insure any of his or her children in an amount set out in paragraph 2, the employee shall insure all of his or her children in the same amount.  O. Reg. 280/04, s. 3. (2) The Dependents’ Life Insurance Plan shall provide, in respect of each commissioned officer in the Ontario Provincial Police Force below the rank of deputy Commissioner who chooses to participate in the Plan, life insurance coverage of $2,000 for the spouse of the officer and $1,000 for each child of the officer.  O. Reg. 280/04, s. 3. (3) The Dependents’ Life Insurance Plan shall provide, in respect of each employee who is represented by the Association of Law Officers of the Crown or the Ontario Crown Attorneys’ Association who chooses to participate in the Plan, life insurance coverage as chosen by the employee of either, (a)  $1,000 for the spouse of the employee and $500 for each child of the employee; or (b) $2,000 for the spouse of the employee and $1,000 for each child of the employee.  O. Reg. 280/04, s. 3. (4) In this section, “child” means, (a) an unmarried child who is under 21 years of age, (b) a child who is 21 years of age or older but not yet 25 years of age and in full-time attendance at an educational institution or on vacation from it, or (c) a child who is 21 years of age or older and who is mentally or physically infirm and dependent on the employee.  O. Reg. 280/04, s. 3. (5) An employee who participates in the Dependents’ Life Insurance Plan shall pay the premiums for the insurance coverage provided to the employee in the Plan.  O. Reg. 280/04, s. 3. 75. (1) The Long Term Income Protection Plan shall provide the benefit described in subsection (3) or (3.1) to an employee who participates in the Plan and who is totally disabled, is under the care of or is receiving treatment from a legally qualified medical practitioner and is not, except for the purpose of rehabilitation, engaged in any occupation or employment for which he or she receives a wage or profit.  O. Reg. 399/01, s. 11 (1). (1.1) For the purposes of this section, an employee (other than a term classified employee) is totally disabled if, (a) during the qualifying period and for the first 24 months of the period in respect of which benefits may be paid, the employee is continuously unable, as a result of sickness or injury, to perform the essential duties of the employee’s normal occupation; and (b) during the balance of the period in respect of which benefits may be paid, the employee is unable, as a result of sickness or injury, to perform the essential duties of any gainful occupation for which the employee is reasonably fitted by education, training or experience.  O. Reg. 40/02, s. 17 (1). (1.2) For the purposes of this section, a term classified employee is totally disabled if, during the qualifying period and during the period in respect of which benefits may be paid, the employee is continuously unable, as a result of sickness or injury, to perform the essential duties of the employee’s normal occupation.  O. Reg. 40/02, s. 17 (1). (2) The employee is entitled to receive the benefit beginning immediately after a qualifying period of six continuous months of total disability and continuing until the earliest of, (a) termination of the total disability; (b) death; or (c) the end of the month in which the employee reaches 65 years of age.  O. Reg. 399/01, s. 11 (1). (2.1) Despite subsection (2), the benefit for a term classified employee continues until the earliest of, (a) 24 months after the employee becomes entitled to receive the benefit; (b) termination of the total disability; (c) death; (d) the end of the month in which the employee reaches 65 years of age; or (e) the expiry of his or her appointment to the term classified service.  O. Reg. 40/02, s. 17 (1). (3) The amount of the annual benefit payable during a calendar year (the “payment year”) to an employee is calculated using the formula, A – (B + C) in which, “A” is, (a) for the first payment year in which the benefit is paid, 66⅔ per cent of the employee’s regular salary immediately before the beginning of the qualifying period, (b) for each subsequent payment year, the amount of “A” for the previous year, increased by the average annual increase, expressed as a percentage, in the Ontario Consumer Price Index as published by Statistics Canada in January of the payment year, to a maximum of 2 per cent, “B” is the total amount of the other disability and retirement benefits, if any, payable for the year to the employee under any other plans to which the employee contributes, other than payments under the Workplace Safety and Insurance Act, 1997
for an unrelated disability, and “C” is 50 per cent of any rehabilitation earnings of the employee for the year. O. Reg. 399/01, s. 11 (1); O. Reg. 1/04, s. 18 (1). (3.1) Revoked:  O. Reg. 1/04, s. 18 (2). (4) Every employee who is appointed to the civil service on or after the 1st day of March, 1971 shall participate in the Plan.  R.R.O. 1990, Reg. 977, s. 75 (4). (5) An employee who was appointed to the civil service before the 1st day of March, 1971, (a) where the employee was participating in the Plan on the 19th day of December, 1975, is entitled to continue to participate in the Plan or to cease participating in the Plan; or (b) where the employee was not participating in the Plan on the 19th day of December, 1975 is, upon producing evidence of medical eligibility satisfactory to the insurer under the Plan, entitled to participate in the Plan, and is thereafter entitled to cease participating in the Plan.  R.R.O. 1990, Reg. 977, s. 75 (5). (6) The employer shall pay 85 per cent of the premium costs for every employee who participates in the Plan, other than commissioned officers in the Ontario Provincial Police Force below the rank of deputy Commissioner, and 90 per cent of the premium costs for those officers, and the employee shall pay the balance of the premium costs through payroll deduction.  O. Reg. 40/02, s. 17 (2). (7) In this section, “Plan” means the Long Term Income Protection Plan; “rehabilitation earnings” means earnings for employment following directly after a period of total disability during which the employee is not fully recovered from the disability; “total disability” means, with respect to an employee, a disability that renders the employee totally disabled as described in subsection (1.1) or (1.2).  R.R.O. 1990, Reg. 977, s. 75 (7); O. Reg. 399/01, s. 11 (3); O. Reg. 40/02, s. 17 (3).