McMaster University


McMaster University


Clinical Faculty Long Term Disability Insurance Plan


The Clinical Faculty Association and McMaster University are pleased to provide Clinical Faculty members with a Long Term Disability (LTD) Plan that maximizes their disability coverage. Participation in the plan is mandatory, is a condition of your employment, and effective upon your date of hire with McMaster.

Plan Highlights *

There are two components to the plan design, both of which are mandatory:  


Component: Individual Disability Insurance Group Disability Insurance
Description: Individualized Guaranteed Standard Issue (GSI) plan design with a monthly benefit of $6,000, $3,500 or $2,000  dependent on your insurable income Group disability coverage with a monthly benefit maximum of $10,000 dependent on your insurable income
Participation: Mandatory Mandatory
Can Coverage Be Waived?: Yes. The CFA and the University have successfully negotiated with RBC the option for you to waive this coverage if you can provide written proof of other individual disability coverage (to the appropriate benefit level) with RBC (at a discounted rate), or under another individual disability plan No
Payment for Coverage: Paid by Clinical Faculty Member to RBC through pre-authorized bank withdrawal Paid by Clinical Faculty Member through payroll deductions from McMaster University


* Please refer to the LTD booklet for additional information on the plan design:

Click here for a summary of the plan features

Click here for a summary of the GSI

LTD Plan Enrolment

You are required to enrol in both the Individual Disability Insurance and the Group Disability Insurance components of the Plan effective your date of hire.  The requirement to enrol in the Individual Disability Insurance component of the Plan will be waived only if you provide evidence of comparable individual disability coverage.


The CFA has retained the services of Terry Zavitz (BMus A., CFP®, CLU, EPC, GBA, TEP) and her team at Zavitz Insurance & Wealth to assist Clinical Faculty members in understanding the disability insurance plan, coordinating it with existing coverage and helping with the enrolment process. To facilitate your successful enrolment upon appointment to McMaster, please contact Terry Zavitz at 1-888-347-2437 or to arrange a meeting.



If you have any questions regarding the LTD plan you may also contact your McMaster representatives:


Wanda McKenna
Assistant Vice-President and Chief Human Resources Officer
Human Resources Services
Ext. 24855
Marcia MacAulay
Human Resources Consultant
Faculty of Health Sciences
Ext. 22190
Dr. Michael Gupta
President, Clinical Faculty Association
Tel: 1-905-522-1155 Ext. 35854
Terry Zavitz
Zavitz Insurance & Wealth
Tel: 1-888-347-2437

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