Article 18


Employees shall pay the full premium of the present Long-Term Disability Plan, the benefit level to be 60% of monthly base salary in effect as of the date of disability reduced by:

(i)        any  form of  salary  continuation  from  the  employer  or  benefit  from  an employer sponsored retirement or pension plan;
(ii)       any basic disability benefits payable from government sponsored income security programs (e.g. C/QPP, W.S.I., E.I., or similar programs); but this amount shall not be reduced by amounts payable under:

(i)        any privately sponsored group disability insurance plan;
(ii)       any increase in benefit arising from the C/QPP as a result of an adjustment in the Consumer Price Index.