MABC Universal Benefits Enrolment Package > Reporting Midwifery-Related Income for Long-Term and Short-Term Disability Coverage
It is important that members report their gross midwifery-related income accurately to avoid any impact on the processing of a disability claim as proof of income will be requested by the insurer in the event of a claim.
Gross midwifery-related income is considered income generated from paid positions that require a Midwifery designation and/or to be a Registered Midwife in the province of British Columbia.
What types of income sources are considered midwifery related?
To assist members in calculating and accurately reporting their income for disability coverage purposes, the MABC Reporting Midwifery Income Worksheet has been developed to allow input income from the types of income sources that are considered as midwifery related income.
Q: What is considered ‘gross’ income?
A: Gross income is income before taxes and other deductions.
Q: What income is not considered?
A: Income generated by a registered Midwife that is not related to having a midwifery designation and would not require you to be a Registered Midwife in the province to do the job is not considered Midwifery-related income and is not to be included in the income calculation for the MABC.
Q:Who can assist me with providing MABC with the correct amount?
A: Your accountant will be able to assist you with providing the MABC with the correct amount.
Q: What reporting period do I use for annual income?
A: The average of the last 2 years (24 months) of annual earnings should be considered when reviewing your earnings.
Q: What if I don’t have 24 months of annual income?
A: A minimum of 6 months of annual income is required to be eligible for disability benefits. If you have more than 6 months but less than 24 months, your average annual income over the months you have should be used.
Q: Do I include expenses?
A: Expenses are not to be reported.
Q: Do I include business income?
A: Only personal income is considered.
Q: What happens if I misreport my earnings?
A: It is important to report your earnings accurately as your earnings information will be reviewed in detail at the time of a disability claim.
Q: Can I report midwifery income earned outside of BC?
A: Only midwifery income earned in BC is eligible
Q: I have STD/LTD with my current employer do I also need coverage with the MABC Universal Benefits Plan?
A: No
Q: If I don’t have any midwifery income to report, am I still eligible?
A: Yes, you will have coverage for Life, Critical Illness and EHC&D only (no disability).
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