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Quick Links to Details of Plans

Supplemental Travel Plan Application

For more information or to apply for coverage, contact Johnson Inc. toll free
at 1-877-989-2600.

Health & Dental Plan Application

For more information call toll free
1-877-LTC-PLAN
or visit www.johnson.ca/LTC

Guaranteed Life Application Forms

Life Insurance Brochure

Call us today for a no-obligation quotation, toll free 1-800-563-0677 or visit the ARTA link at   http://www.johnson.ca/arta

Apply early. When enrolling in ARTA's Health Plan, your acceptance will be guaranteed without a medical exam provided you apply for coverage before, or within, 60 days of leaving another group insurance plan. After this date, medical evidence is required by the insurer, Manulife Financial, and Health coverage may be declined.

IN PROVINCE
Eligible extended health care expenses (incurred in province of residence) will be reimbursed at 80% according to the various maximums and limits outlined in the certificate of insurance up to a combined annual maximum per person of $10,000 in each calendar year.

OUT-OF-PROVINCE/CANADA
Eligible international Travel Emergency Medical expenses incurred due to an unforeseen accident or sudden illness while traveling outside your province of residence, including outside Canada, will be reimbursed at 100% to a lifetime maximum of $1,000,000 per person.

Note*
All limits shown are the maximum payable per person each calendar year, unless indicated otherwise.

The Extended Health Care Plan pays for eligible expenses which are not covered by your Provincial Government Health Insurance Plan (GHIP) and which are recommended as medically necessary by a legally qualified physician. Tests or procedures not recognized by Health and Welfare Canada, or the Provincial Health Ministry, which are considered experimental or cosmetic in nature, are not covered under the Plan.

ARTA is not responsible for any government actions implemented during the policy year which may impact on the ARTA plans.

IN-PROVINCE EXTENDED HEALTH CARE ELIGIBLE EXPENSES

Eligible Expenses - 80% reimbursement up to a combined annual maximum per person of $10,000 in each calendar year. All amounts shown are annual calendar year limits payable per covered person, unless otherwise stated.

Drugs - $1,200 Per Year
Drugs which by law require a prescription from a physician or dentist, including sera and injectibles, and diabetic supplies. Non-prescription drugs required as a result of colostomy or ileostomy and/or treatment of cystic fibrosis, diabetes or Parkinsonism.

Vision Care
$175 in any 2 calendar years - Prescription eyeglasses and contact lenses. $200 in any 2 calendar years - Subject to approval by Johnson Inc., contact lenses to correct vision to at least 20/40 level when it cannot be so improved by eyeglasses.

Private Duty Nursing
$3,000 in any 3 consecutive years in the patient's home by a registered nurse, subject to prior approval by Johnson Inc.

Paramedical* Services
$600 per calendar year for Massage Therapist, Physiotherapist, Athletic Therapist and Chiropractor combined. $225 per calendar year for each other eligible specialty: Psychologist, Speech Therapist, Naturopath, Acupuncturist, Osteopath, Podiatrist/Chiropodist.

Ambulance Service
To and from the nearest hospital that can provide treatment, including the cost of air travel when medically necessary.

Diagnostic Services
Radiology, blood transfusions, and oxygen.

Aids and Appliances (purchase or repair of):

- Trusses, splints, braces, crutches, casts, artificial limbs or eyes.
- Breast prosthesis.
- Custom-made orthopaedic shoes ($500 in any 3 consecutive years).
- Orthotics ($300 in any 3 consecutive years).
- Elastic support stockings ($200).
- Hearing aids ($500 in any 3 consecutive years).

Rental of:
Wheelchair, hospital bed, respirator or ventilator

Accidental Dental - $1,000 Per Year
Treatment required following accidental damage (from an external blow to your mouth) to your natural or artificial teeth. Dental work must be completed within 6 months of accident.

Referral Treatment Outside Canada
Physician charges, hospital room and board at ward rates up to 31 days per period of disability.

Prescribed Health Educational Program
Up to an annual limit of $100 (recommended by your physician).

Hospital
Difference between standard ward and semi-private, private and preferred hospital rates up to a daily maximum of $100 per covered person. Coverage includes confinement in a hospital, convalescent and rehabilitative hospitals.

Home Care
After a hospital stay of at least 24 hours, 80% of home care expenses are covered up to a maximum of $50 a day for up to 10 days. Upon written recommendation of a physician, completion of a Johnson Inc. authorization form and provided in your own home, the level of care includes:

- Activities of daily living (eating, bathing, dressing).
- Ambulation and exercise.
- Self-administered medications.
- Homemaker services or home health aide services.
- Functional ability improvement.
- Respite care for your primary caregiver.
- Outpatient services and supplies not covered by the Provincial Government.

Educational Programs
Medically recommended educational programs include wellness or rehabilitation (maximum $100 per calendar year).

Nutritionist/Dietician
Nutritionist/Dietician paramedical services (maximum $225 per calendar year).

Chiropractic/Podiatrist
Chiropractic/Podiatrist from first visit (maximum $600 per calendar year, combined with Physiotherapy, Massage, Athletic Therapy) A maximum of $225 applies to each of the other practitioners, such as speech therapy.

Visual Enhancement Equipment
Visual Enhancement Equipment (maximum $200 per 2 calendar years).

Notes*
1. All medical practitioners must be provincially licensed.                                      
2. A note from your physician regarding the diagnosis may be required.

OUT-OF-PROVINCE/CANADA ELIGIBLE EXPENSES (Optional Coverage)

100% Reimbursement of unforeseen Out-of-Province or International Travel Emergency Medical Expenses to a lifetime maximum of $1,000,000 per person, for multiple trips up to 60 days duration. If you become ill or injured while traveling outside your province of residence, or Canada, comprehensive medical and supplementary benefits are payable through ARTA's Extended Health Care Plan WITH 60-Day Travel. The Plan provides assistance through the services of World Access Inc. for your eligible emergency medical expenses.

Eligible emergency expenses include:

- In-patient hospital charges up to the cost of semi-private accommodation.
- Physicians' charges.
- Prescription drugs.
- Diagnostic procedures.
- Private duty nursing up to an annual maximum of $5,000.
- Paramedical services of a chiropractor, podiatrist or physiotherapist to an annual maximum of $225 per specialty.
- Rental of a wheelchair, crutches and canes when ordered by a physician.

Medical Transportation
- Licensed ground or air ambulance for emergency transport to the nearest medical facility, limit of one return trip a year.
- If medically necessary, round-trip economy transportation will be arranged and a qualified medical attendant to accompany the patient.

Accidental Dental - emergency treatment and stabilization due to accidental injury to natural teeth or accidental damage to natural or artificial teeth from an external blow to the mouth to an annual maximum of $1,000.

Transportation to Bedside - provides one round trip economy airfare for one member of your family to be with an insured person who has been confined to a hospital for at least 7 days.

Trip Cancellation – Prior to Departure – Non-refundable portion of pre-paid travel arrangements. Maximum $6000 per insured person. Call World Access.

Trip Interruption/Delay - Post Departure - Extra cost of a 1-way economy airfare to the departure or destination point and any unused non-refundable land arrangements. Maximum $6000 per insured person. Call World Access.

Return of Dependent Children - one way economy transportation or the excess cost of pre-paid travel arrangements for the return of your children by the most direct route to their place of residence, if dependent children are left unattended while traveling when you or your spouse are hospitalized.

Vehicle Return - arrange and cover the cost of returning your vehicle to the nearest appropriate rental agency, up to a maximum of $2,000, if an insured person is unable to do so due to sickness, injury or death.

Repatriation - provides up to $5,000 to return the deceased to the home province.

Additional Expenses - covers the cost of meals and hotel accommodation due to your hospitalization, up to a daily maximum of $150 up to 10 days.

Note*  Prior approval must be obtained from World Access to guarantee payment of your claim expenses. You can contact them 24 hours a day, 365 days a year. World Access must be notified within 48 hours of the medical emergency (or the event forcing trip cancellation/delay) in order to provide for your medical expenses and effectively monitor your care. If World Access is not contacted within 48 hours of the emergency, payments will be limited to $2,000.

Each insured may be required to provide proof of departure in the event of a claim. Proof can take any form, identifying you, specifying the date, and indicating that the transaction took place in your province of residence. Examples include a purchase made at the Canadian duty-free store, a stamped passport, an airline ticket or a credit card receipt.

For more information you can contact World Access at one of the following numbers:

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
Fax                                                       (519) 742-8553

In addition to the certificate number, World Access will require your Provincial Government Health Insurance Plan number and the ARTA/World Access Identification No. 9520 to process payments.

The ARTA Supplemental Travel Plan pays for eligible expenses for medical emergencies which occur during trips in excess of 60 days duration and which are in excess of the amount reimbursed by your Provincial Government Health Insurance Plan. Eligible expenses are the same as those specified under Out-of-Province/Canada eligible expenses under the Extended Health Care Plan Treatment for medical emergencies and must be recommended as medically necessary by a legally qualified physician.

EFFECTIVE DATE OF SUPPLEMENTAL TRAVEL PLAN COVERAGE

Your Supplemental Travel Plan coverage begins on the 61st day of any trip you report to Johnson Inc. The first 60 days of your trip are covered under the Extended Health Care Plan. In the event that your travel plans are longer than the 60 days in duration, make arrangements to extend your coverage before departure if possible. The extension is refundable if not used. Refunds will be issued for any unused 15-day units of coverage provided no claim has been incurred.

Note* Johnson Inc. must receive your request or enrolment form on or before the 60th day of your trip. Extensions of coverage may be declined in the there are claims in progress for the trip being extended.

PREMIUMS FOR SUPPLEMENTAL TRAVEL PLAN

Premiums for supplemental travel coverage will be deducted in equal monthly installments from your bank account for the balance of the policy year.

For more information or to apply for coverage, contact Johnson Inc. toll free at 1-877-989-2600

You can purchase an Extended Health Care Plan WITHOUT the 60 Day Travel coverage outlined above. However, you would not be eligible for Supplemental Travel coverage. You would also be required to submit medical evidence if you wish to purchase travel coverage at a later date.

For more information or to apply for coverage, contact Johnson Inc. toll free at 1-877-989-2600.

OPTION A

REIMBURSEMENT
(no deductibles apply)

80% of eligible Basic Preventative services (no annual maximum applies).

80% of eligible Minor Restorative expenses up to a combined annual maximum of $750 per covered person.

50% of eligible Major Restorative expenses per covered person including:
- Crowns/inlays/onlays - up to a combined annual maximum of $700.
- Fixed bridges/dentures/implants (including crowns on implants) - up to a combined annual maximum of $700.

Notes*
1. All payments are based on the average current, reasonable and customary fees for General Practitioners in Alberta as determined by the Insurer.   
                       
2. You must participate in ARTA's Dental Plan for at least 24 months, if you enroll or change to a new Option on or after Sept. 1, 2006.    
                                            
3. You may change to an enhanced Option such as B to A at any time, but you must then remain in Option A for 24 months. 
                                                               
4. You may change to a more restrictive Option such as A to B, but only after participating for 24 months in Option A.                                                            
5. Annual maximums restart at the beginning of each calendar year and do not restart with a change to Option A, B or C. 

6. Apply early. When enrolling in ARTA's Dental Plan, after 60 days of leaving another plan, all benefit maximums will be pro-rated from the date of entry to December 31st of the first calendar year.                                                            

7. Implants under Major Restorative are subject to an Alternate Treatment Clause limiting reimbursement to the least expensive professionally equivalent course of treatment. Implants are not covered under Basic or Minor Restorative Treatment.                        

8.  A combined annual frequency limit of 8 units applies to scaling and/or root planing.

FILING FOR PRE-DETERMINATION OF DENTAL BENEFITS

If your proposal dental care is expected to cost more than $300, you should submit a treatment plan to Johnson Inc. for assessment before your dental work begins. The purpose is to determine, in advance, the reimbursement which you or your dependent can expect to receive from the Plan.

ELIGIBLE DENTAL EXPENSES

All amounts shown are annual limits payable per covered person, unless otherwise stated. You will be reimbursed for expenses above the amount that your provincial plan pays up to a specific percentage.

Basic Preventive & Restorative- 80%

$750 Combined Annual Maximum (Endodontic/Periodontic)

Endodontic Services
- Treatment of dental pulp diseases, including root canal therapy.

Periodontic Services
- Treatment of bones and tissues supporting teeth.
- Appliances and adjustments (one every 3 calendar years).
- Root planing (8 units per calendar year) and scaling (4 units per calendar year)                                                         
- Periodontal recall exam (twice per calendar year).

Major Restorative - 50%

Crowns, posts, onlays and inlays - $700

Fixed bridges, dentures, implants* (including crowns on implants) - $700
- Bridges - initial installation or repair.
- Full or partial dentures
- Implants, subject to an Alternate Treatment Clause                                                                                          

Alternate Treatment Clause-Where any two or more courses of treatment covered under this Dental benefit would produce professionally adequate results for a given condition the least expensive course of treatment will be reimbursed.

OPTIONS B & C - exclude Major Restorative.

Option B: 80% Basic/Preventative, 80% Minor Restorative
Option C: 65% Basic/Preventative, 65% Minor Restorative

Note: All payments are based on the average current, reasonable and customary fees for General Practitioners (versus Specialists) in Alberta as determined by the insurer. Note that unlike other provinces, the Alberta Dental Association has not published a fee guide since 1997. Each dentist can charge different fees for the same procedure. As a result, insurers must develop their own guidelines and reimbursement limits for Alberta. The insurer Manulife increased 2006 reimbursement limits for Alberta such that on average seven out of ten dental claims submitted will be eligible for payment in full, based on 2005 claims data. Any difference between what a dentist charges and the insurer's reasonable and customary fee guideline for General Practitioners is ultimately the responsibility of the Dental Plan members.

Coverage Outside your Province of Residence

If you or your dependents incurred emergency dental treatment expenses while travelling outside your province of residence, the plan will reimburse you on the same basis as though the expenses were incurred in your province of residence.

Monthly Premiums Effective September 1, 2007
The Plan Administrator, Johnson Inc., will mail all ARTA Health and Dental Plan members a renewal notice in early July. The notice will indicate rate changes, which become effective with your August 5th bank deduction. The August 5th bank deduction represents September benefits coverage, i.e. deductions one month in advance.

For more information or to apply for coverage, contact Johnson Inc. toll free at 1-877-989-2600.

For more information call toll free 1-877-LTC-PLAN or visit www.johnson.ca/LTC

If you (and your spouse) are between the ages of 50 and 85, you can automatically become insured under the Guaranteed Life Insurance Plan. No medical is required. You can choose a coverage amount of $2,500, $5,000, $7,500, $10,000, $12,500, $15,000, $17,500, $20,000, $22,500, or $25,000. Premiums are guaranteed for life with reduced rates available for non-smokers.

For more information or to apply for coverage, contact Johnson Inc. toll free at 1-877-989-2600.

If you (and your spouse) are between the ages of 45 and 70, you can apply for the Term Life Insurance Plan by answering 4 simple questions. You can choose a coverage amount of $25,000, $50,000, $75,000, $100,000, $125,000 or $150,000. Premiums are guaranteed not to increase for 10 years with reduced rates available for non-smokers.

For more information or to apply for coverage, contact Johnson Inc. toll free at 1-877-989-2600.


# 301 West Chambers Building
12220 Stony Plain Road
Edmonton, AB T5N 3Y4
web site: http://www.johnson.ca

Reap the benefits of the home and auto insurance plan available exclusively for ARTA members through Johnson Inc.

With the Preferred Service Home-Auto Plan you can enjoy:

- Interest-free monthly payments with no down payment required.
- A Members-Only website to review your personal policy anytime.
- Your own personal representative with a direct toll free line and e-mail.
- Auto Club with emergency roadside assistance, trip planning advice…and a whole lot more!

Call us today for a no-obligation quotation, toll free 1-800-563-0677 or visit the ARTA link online at http://www.johnson.ca/arta

You can contact The Alberta Retired Teachers' Association at:

Alberta Retired Teachers' Association
#409, Barnett House
11010 - 142 Street
Edmonton, AB T5N 2R1
Phone: (780) 447-9474 or 1-800-232-7208 ext 474 (toll free in Alberta)
Fax: (780) 447-0613
Email: don@albertarta.com