Generally we would contact a person a year before, not at six months, to start talking with them and getting them to understand what's going to come so that we can also think about getting them ready six months prior for some sort of vocational rehabilitation.
When they come to us, we are the first payer. Some things could be offsets from our being first payer, which would be traditional LTD types of things. One of them would be if they applied for the disability CPP if they were determined to be permanently disabled. That doesn't change their income. It potentially enhances their benefits because if they have dependents, they can then get additional income, which isn't an offset, or it also starts giving them service-attributable years to their CPP if they are on disability CPP. It's in their benefit without changing their income. We have some of that, but generally we're first payer.
The first two years while we're paying their benefits are our focus time to get them what we call work ready, but in the event that at the end of the two years they don't qualify as work ready, they can stay on our income replacement right through to age 65.