Eligibility

Unrestricted Eligibility

The following NLTA members and employees are eligible for participation in all options of the Group Insurance Plan, subject to the guidelines of the master policies, with automatic enrollment in the Basic Life, Basic Accidental Death and Dismemberment, Health, Dental, and Basic Critical Illness plans; and automatic enrollment in Long Term Disability for those eligible, if less than age 60.

  • Permanent teachers on regular government or school board payroll.
  • President of the NLTA (compulsory enrollment in LTD).
  • Permanent employees of the NLTA (compulsory enrollment in LTD for administrative officers).
  • Retired teachers and NLTA employees on pension (no LTD).
  • Retired NLTA employees, not in receipt of a pension.

Note: Members of the Group Insurance Program must maintain their membership in the NLTA while working as a teacher on approved leave of absence, or working as an NLTA employee.

Restricted Eligibility

Option Maximum Coverage
Basic Life (Member only) $15,000
Basic AD&D (Member only) $15,000
LTD Not Eligible
Basic Critical Illness Not Eligible
All other options Same as Permanent Teacher

The following NLTA members and employees are eligible for participation in the NLTA Group Insurance Plan as described below:

Substitute Teachers

  • Eligible for the Substitute Teacher Plan only, subject to the following criteria:
    1. After one day substituting, a substitute teacher is eligible for substitute coverage. No evidence of insurability is required if application is made within 31 days of the first day of substitution. If application is made more than 31 days after the first teaching day, the application will be subject to Evidence of Insurability.
    2. For continuation of coverage for the following school year, a substitute teacher must have taught ten (10) days the previous school year and must teach at least once before November 30th of that following year. Otherwise, there will be a lapse of coverage and a new application will be required after the substitute teacher has taught ten (10) days during a school year, requiring Evidence of Insurability.

Replacement and Term Contract Teachers

  • Eligible for participation in all options of the Group Insurance Plan for the period of their teaching contract.
  • Beyond the period of their teaching contract, these teachers are eligible for the Substitute Teacher Plan for the balance of the school year in which they taught, and the following school year based on the eligibility guidelines for continuation of coverage for substitute teachers.

NLTA Members Teaching in Private Schools

  • Eligible for the Substitute Teacher Plan coverage for the period of their teaching contract only.
  • Application is required and is subject to Evidence of Insurability, confirmation of salary, and NLTA membership in good standing.

Members on Approved Leave

  1. Unpaid Leave
    Teachers must arrange with Johnson Inc. to pay by bank deduction for all their group insurance benefits, as well as the government’s share (Life, Accidental Death and Dismemberment, and Health plans only) of the group insurance premiums. Failure to do so will result in termination of insurance. If insurance is terminated, the teacher will be required to apply for coverage, and provide proof of medical insurability subject to policy limitations, should the teacher wish to resume coverage at a later date.
  2. Paid Sick Leave
    Payment of group insurance premiums continue to be paid via normal payroll deduction and government’s contribution of their share continues.
  3. Unpaid Sick Leave
    Teachers must arrange with Johnson Inc. to pay by bank deduction for all their group insurance benefits, as well as the government’s share (Life, Accidental Death and Dismemberment, and Health plans only) of the group insurance premiums. Failure to do so will result in termination of insurance. If insurance is terminated, the teacher will be required to apply for coverage, and provide proof of medical insurability subject to policy limitations, should the teacher wish to resume coverage at a later date.
  4. Paid Educational Leave
    Payment of group insurance premiums continue to be paid via normal payroll deduction and government’s contribution of their share continues.
  5. Unpaid Educational Leave
    Teachers must arrange with Johnson Inc. to pay by bank deduction for all their group insurance benefits, as well as the government’s share (Life, Accidental Death and Dismemberment, and Health plans only) of the group insurance premiums. Failure to do so will result in termination of insurance. If insurance is terminated, the teacher will be required to apply for coverage, and provide proof of medical insurability subject to policy limitations, should the teacher wish to resume coverage at a later date.
  6. Deferred Salary Leave
    Payment of group insurance premiums continue to be paid via normal payroll deduction and government’s contribution of their share continues.
  7. Maternity Leave
    Teachers must arrange with Johnson Inc. to pay by bank deduction their share of all their group insurance benefits. Government will continue to pay their share of premiums for the Basic/Dependent Life, Basic Accidental Death and Dismemberment, and Health plans only of the group insurance program. Failure to do so will result in termination of insurance. If insurance is terminated, the teacher will be required to apply for coverage, and provide proof of medical insurability subject to policy limitations, should the teacher wish to resume coverage. Should a teacher take more than 39 weeks, they must arrange with Johnson Inc. to pay back by bank deduction both their share and government’s share of the group insurance premiums for the additional leave period. Otherwise, if insurance is allowed to lapse during a period of parenthood leave, medical proof of insurability will be required in order to be reinstated in the plan.

Teachers on Layoff (Subject to Article 9)

Eligible to continue coverage (except LTD) while on recall under Article 9, if actively seeking employment as a teacher. No increase in Voluntary Life and Voluntary AD&D.

Suspension/Termination

Subject to approval of Managers, eligible to continue coverage until the grievance process has been completed.

Retired Substitute Teachers

Eligible, in the month following their 55th birthday, to continue receiving the substitute coverage that they had in place at the time of retirement provided the substitute teacher has:

  1. been paying premiums for the last five (5) years for the specified coverage;
  2. at least five (5) years substitute teaching;
  3. at least 100 substitute days in the last five (5) years of their career;
  4. ten (10) years attachment to the teaching profession;
  5. and proof to the Plan Administrator in receipt of benefits under the Government Money Purchase Plan (GMPP).

Member on Deferred Pension

Deferred pensioners refers to those persons with:

  1. 30 or more years of service;
  2. between 20 and 30 years of pensionable service and within 10 years of receiving a regular pension;
  3. less than 20 years of pensionable service and within 5 years of receiving a regular pension.

This category of members is not eligible to continue coverage during the period of time from the date of resignation to the date upon which the individual qualifies to receive a pension benefit. Furthermore, in order to be automatically enrolled in the Group Insurance Program upon receipt of a pension benefit, the member is required to complete and submit a Group Insurance Continuation Form to Johnson Inc., the Plan Administrator, within 31 days of resignation or termination of coverage. Failure to complete and submit the applicable form at the time of resignation will result in the member having to apply for coverage and be subject to medical evidence of insurability when they are in receipt of their teacher’s pension.

Retired Teacher/Retired NLTA Employee

A retired teacher/retired NLTA employee is defined as:

  1. A teacher/employee who is eligible to receive a pension benefit from the Teachers’ Pension Plan or the NLTA Support Staff Pension Plan immediately upon resigning from his/her position shall be eligible to continue coverage under the NLTA Group Insurance Program.
  2. A teacher/employee who, due to a diagnosed terminal illness as verified by a Physician’s Statement, resigns and receives the communted value payout of his/her pension benefit from the Teacher’s Pension Plan or the NLTA Support Staff Pension Plan, shall be eligible to continue Health and/or Dental coverage under the NLTA Group Insurance Program. Teachers must arrange with Johnson Inc. to pay 100% of the premiums for these benefits through bank deduction.

Retired Insured Members Residing Outside Canada

Retired insured members residing outside Canada may continue the same Group Insurance coverage held while residing in Canada. Benefits will be paid as though the retirees were still residing in Newfoundland and Labrador and still covered under the provincial health plan. No benefit that would have been covered under the provincial health plan will be paid to these members. Benefits will be paid in Canadian funds.

Survivor of a Teacher/NLTA Employee

A survivor of a member/employee is defined as:

  1. A spouse or partner, as defined by the Teachers’ Pension Plan or the NLTA Support Staff Pension Plan, who is eligible to receive the Survivor pension benefit from a deceased spouse or partner, shall be eligible to maintain coverage for Health and/or Dental under the NLTA Group Insurance Program.
  2. A spouse or partner, as defined by the Teachers’ Pension Plan or the NLTA Support Staff Pension Plan, who receives the communted value payout of the survivor benefit from the Teacher’s Pension Plan or the NLTA Support Staff Pension Plan, shall be eligible to maintain Health and/or Dental coverage under the NLTA Group Insurance Program.

Eligible Dependents of Deceased NLTA Members/Employees

Eligible to continue Health and Dental coverage only, provided the deceased insured had dependent insurance under the NLTA plan up to the date of death. Spouse or partner must arrange with Johnson Inc. to pay 100% of the premiums for these benefits through bank deduction.

Note: It is the member’s responsibility to notify Johnson Inc. within 31 days of any change to their employment status (e.g., accepted position at the District Office or the Department of Education or is seconded to Memorial University of Newfoundland or the Department of Education).

Note: Teachers who choose to “opt out” of any or all of the benefits must:

  1. Complete the appropriate “Opting-Out Form” available through Johnson Inc., Plan Administrator.
  2. If, at a later date, the member wishes to enroll in benefits, the member will be required to provide medical evidence of insurability and be approved by the underwriters.

Note: Teachers who fail to pay the appropriate premiums while on leave will:

  1. Receive notification from Johnson Inc. re no premium received.
  2. Be provided the option to pay the premium through automatic bank deductions.
  3. Result in automatic termination of policy/policies.
  4. If, at a later date, the member wishes to enroll in benefits, the member will be required to provide satisfactory medical evidence of insurability and be approved by the underwriters.