These plans are offered as a service to our members, but it is important that every member do the research to ensure that a plan is a good fit for the specific member's needs as there are many alternatives available.

To participate in the RTAM Benefits Program, you must be a member of the Retired Teachers' Association of Manitoba. Join the growing number of retired Manitoba teachers who have chosen to affiliate themselves with our Association...and enjoy the benefits of being part of a collective voice that advocates for our unique interests and needs as retired teachers.
 Here is a comprehensive set of frequently asked questions about the RTAM plans.
  This is in Adobe Acrobat (pdf) format, see below to get this free application.

Policy
Regarding the roles of administering and insuring RTAM's group policy, RTAM is the group insured, Manulife is the insurer, and Johnson Inc. markets and administers RTAM's Insured Benefits Plans. World Access is Manulife’s administrator of the Emergency Medical Travel Insurance benefits. Effective January 2004, RTAM authorized Johnson Inc. to collect premiums from new plan members through pension deduction. This was possible through the cooperation of TRAF, as administrator of the Teachers' pension, and Johnson's
expertise with payroll deduction systems. Prior to 2004, all premiums were collected through bank deduction, one month in advance.

Procedures
To set up benefits, Johnson Inc. requires a deduction source. If a member sends an application for benefits and wants to have deductions through the pension, but has not indicated a pension number, the application
is considered incomplete and returned to the member with a form letter requesting the missing information (highlighted) be completed and returned. In some instances, the member is a new retiree and does not have
a pension number assigned yet. In this case, the member is given the option to send a void cheque so premiums can be deducted through a bank and, if they wish, they can switch to pension once it is in place.

Not all benefits will be able to be set up as pension deduction as not all pensioners have a pension which is adequate to cover the premium deductions. Those members still have the option of bank deduction.

If you require additional information and brochures, or if you have any questions concerning these plans, please contact the RTAM Program Administrator; Johnson Inc., 301 West Chambers Bldg., 12220 Stony Plain Road, Edmonton, Alberta.  T5N 3Y4
Group Services Department - Phone (toll-free) 1-877-989-2600  Fax: 780-420-6082
Group Claims Department (Dental & Life Insurance) - Phone (toll-free) 1-877-413-6599
Emergency Medical Travel Claims: In an emergency, call World Access Canada Inc. See numbers below.

Ask Johnson Inc. for a copy of the RTAM Benefits Plan pamphlet that summarizes the coverage.
Application forms are also available for printing out on line (see below).

To view/print the application, you need to have Adobe® Acrobat® Reader installed on your computer.  You can download this FREE program by clicking here.

Flexible Extended Health Care Plan              

RTAM's new Flexible Extended Health Care (EHC) Plan came into effect on January 1, 2008 (it can be enhanced by the optional RTAM  Emergency Medical Travel & Trip Cancellation Plan), reimburses 80% of the eligible expenses outlined in the EHC insurance certificate. See the certificate here. Click here to download the ECH and dental plan application form (pdf format). You can also access a pamphlet that summaries the coverage and rates here.

The Emergency Medical Travel & Trip Cancellation Plan provides peace of mind for RTAM members traveling outside their province of residence. Click here to download an application form (pdf format).
See the September 1, 2007 plan member Renewal Notice here (including information and rates) and the
E M Travel Certificate here (pdf formats). Premiums have been restructured to benefit members who take two or more extended trips per year. They can now purchase the marginal cost of 15 day extensions for each trip (in addition to the Base Plan premium for an unlimited number of 30 day trips per year).

This annual plan covers your travel insurance needs in one convenient package and includes:
    Direct payment of most emergency medical bills - contact World Access within 48 hours;
    24 Hour Emergency Help line - for help whenever you need it, wherever you are;
    Trip Cancellation and Interruption Coverage - eliminating the need for additional insurance;
    Pre-existing Conditions - no exclusions for pre-existing conditions or medical stability clause;
    Interest-Free Monthly Deductions -no lump-sum payments;
    Multiple trips up to 30 days duration - supplementary coverage available for longer trips; and
    No age restriction.

In an emergency, call:
    World Access Canada Inc.
    Telephone: (519)-742-6683) or toll free in North America (1-800-249-6556).
                   Outside of North America, please call collect.

You must call World Access for any medical emergency while traveling. If you do not call World Access, your eligible expenses will be limited to a maximum reimbursement of $2000, except in extreme circumstances where you are unable to call. In a critical emergency, have someone call World Access on your behalf as soon as possible and World Access will coordinate your benefits as usual. World Access will direct you to the hospital and/or physician best suited to your needs and will monitor your medical situation. This way you can rest assured that you will receive quality medical care. Review travel instruction information here.

The RTAM Dental Plan reimburses you and your dependents eligible expenses:
   Basic and Preventive (85%),
   Minor Restorative (80%), 
   Major Restorative Bridges and Crowns (65%), and
   Full or partial Dentures (50%).
Acceptance of RTAM members is guaranteed. Your coverage is effective on the date your application is received by Johnson, or after your coverage under any other group dental plan terminates. There is no deductible. The combined maximum dental benefit per person per calendar year is $1250.00 as of September 1, 2006, and is pro-rated on a calendar year basis during the first year's coverage. The premiums are independent of age and can be deducted from your TRAF pension. Claims are submitted to Johnson Inc. for reimbursement.
See the September 1, 2007 plan member Renewal Notice here (including information and rates) and the
Dental Certificate here (pdf formats).
Click here to download an application form (pdf format).

Below is a brief  summary of the main features of the two life insurance plans. The summary is presented as an introduction only. The Life Insurance plans are underwritten by Manulife and are operated on behalf of RTAM by Johnson Inc.

Term Life
The Term Life Insurance Plan is available in the amounts of $25,000, $50,000, $75,000, $100,000, $125,000 or $150,000 with a living-benefit for terminal illness. This plan is open to RTAM members or their spouses between the ages of 45 and 70. Premiums are guaranteed for 10 years and are age-related. Lower rates are available for non-smokers. Coverage continues after age 70, reduced paid-up coverage after age 80. A medical questionnaire must be completed and the insurer may require proof of insurability.
  Click here for the Term Life application form (pdf format). More Term Plan information is here.

Guaranteed Life
The Guaranteed Life Insurance Plan is available in the amounts of  $2,500,  $5,000, $7,000, $10,000, and up to $25,000. It is available to RTAM members or their spouses between the ages of 50 and 85.The rate is fixed once enrolled and is age-related. The policy matures at age 100.No medical is required. With certain limitations, the amount of coverage increases if death is accidental. A Living Benefit is now available to new policyholders. After your coverage has been in force for at least two years, the Living Benefit could pay you up to 50% of your life insurance amount if you are diagnosed with a terminal illness with 12 months or less to live. Contact Johnson, Inc for information on this plan enhancement.
Click here for the Guaranteed Life application form (pdf format). More Guaranteed Life information is here.

Long Term Care Plan                         

RTAM has designed a Long Term Care Insurance Plan with you in mind. Some of the benefits of Long Term care include:

• A wide array of personal and health care services when you need help over an extended period of time.
• Care in your own home, community or Long Term Care facility.
• Supplement to provincial government health plans.
• Relief from the burden of care giving for family members.
• Protection of your assets with sound financial planning.

  Click here for a planning guide to help you determine your need for Long Term Care Insurance, and
  here for an insurance guide about LTC issues.
  Full plan details and information are available at the Johnson, Inc. LTC website.
  Click here for the Long Term Care Plan application form (pdf format).

Contact Information:
   For plan information, enrolment and claims services, contact RTAM's plan administrator Johnson Inc.
         Suite 301, 12220 Stony Plain Road, Edmonton, Alberta.  T5N 3Y4
                              Call toll free:  1-877-989-2600        8:30 am to 7:00 pm (MST)  Monday to Friday
         Website: http://www.johnson.ca    Fax: 1-780-420-6082    Email: edmonton@johnson.ca

   For Johnson Inc. Group Claims (In province) 
                               Call toll free:  1-877-413-6599       8:30 am to 4:30 pm (MST)  Monday to Friday

   For Emergency Medical Travel & Trip Cancellation Claims: Call World Access immediately before
   you seek medical treatment or as soon as reasonably possible:
       In Canada/USA (toll-free:) 1-800-249-6556
       In Mexico (toll free): 00-1-800-514-3702
       In other countries, call collect: 519-742-6683                         
      

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