INTRODUCTION

The Newfoundland and Labrador Teachers’ Association (NLTA) Group Insurance Trustees have responsibility for, and reserve the right to change, alter, or delete benefits and set premiums for all insured members covered by the NLTA Group Insurance  Plan,  including retirees.

This booklet contains important information concerning Group Insurance coverage and, therefore, should be kept in a safe place . It supersedes and replaces all previous communication material .

The purpose of this booklet is to outline the benefits for which you are eligible as a member/employee of the NLTA . A member of the NLTA includes both active and retired teachers . The information in this booklet is a summary of the provisions of the Group Policy . The booklet, in either its paper or electronic form, provides members with important information about their benefits under the group insurance policies; members should refer to the full Group Policy

for complete information with respect to member’s rights under a specific Group Policy . However, if there is any question as to interpretation, all rights with respect to an Insured Person will be governed solely by the Group Policy issued by the underwriting companies to the Group Insurance Trustees of

the Newfoundland and Labrador Teachers’ Association . In the event of a discrepancy between this booklet (paper or electronic version) and the Group Policy, the terms of the Group Policy will apply .

A copy of the master policies may be obtained upon written request to the Newfoundland and Labrador Teachers’ Association office .

All information contained in this booklet is available on the NLTA website www.nlta.nl.ca . The Plan Administrator, Johnson Inc ., maintains a members- only website at www.johnson.ca which contains your individual coverage and claims experience . A confidential password is required for access to your personal information at the Johnson website and may be obtained by contacting the Plan Administrator, Johnson Inc .