Basic

Current Underwriter (2014): SSQ Insurance Company Inc.
Policy Number: 1FX45

Basic Eligibility

Subject to eligibility guidelines, NLTA members and employees residing in Canada are eligible to participate in this plan. Spouses and eligible dependent children are also eligible to be insured under this plan option.

Basic Coverage

Enrollment forms for this benefit are available by contacting the Plan Administrator, Johnson Inc. Coverage is effective on the date the completed enrollment form is received by the Plan Administrator, Johnson Inc. If a member is not presently insured or wishes to increase the benefit level, application is required. The application can be obtained by contacting the Plan Administrator, Johnson Inc.

Member/Employee Only Plan

The member or employee, under age 75, may apply for coverage from a minimum of $10,000 to a maximum of $500,000 in units of $10,000. Maximum coverage from age 70-74 is $100,000.

Family Plan

The member or employee, under age 70, may apply for coverage from a minimum of $10,000 to a maximum of $500,000 in units of $10,000. Coverage terminates at age 75. Maximum coverage from age 70-74 is $100,000.

The member or employee’s family is insured for the following:

  • Spousal Coverage: The spouse is insured for 50% of the member coverage if there are dependent children, or 60% of the member coverage if there are no dependent children.
  • Each Dependent Child: Each dependent child is insured for 15% of member coverage if there is an insured spouse, or 20% of member coverage if there is no spouse.

Exclusions

Lorem ipsum dolor sit amet, ius at praesent dissentias, ea vis integre malorum contentiones. Id eos alia dicunt, ea nisl reformidans duo. Clita iudicabit ut per, at dictas adipisci indoctum mea, ex probo conceptam per. Ea noluisse antiopam mei, unum aliquam consetetur ex eam, eripuit democritum ea vim.

Cu veri mundi vivendum qui, et graecis admodum eum, clita instructior ei cum. Nominati comprehensam et has, an vix erat aperiri fabulas. Pro dolorum recusabo ea, at cum dicunt menandri. Mea eu lorem accusata posidonium, ut cum dissentias philosophia interpretaris. Laudem convenire aliquando ius ex, ius dicunt consequuntur ut, no est persius docendi. Tantas sanctus laoreet mea eu, in nostrud admodum per. Et phaedrum vulputate sit, choro invenire adolescens cum ex.

Adipisci euripidis vituperatoribus id eos. Verterem posidonium qui no, te nec adhuc graeco inimicus, vis stet posse mentitum et. In sit dicat splendide, quot albucius id eam. Duo dolorem pericula ut. Nam cu tale corpora, no aliquip albucius imperdiet vel.

Claims Procedures

Lorem ipsum dolor sit amet, ius at praesent dissentias, ea vis integre malorum contentiones. Id eos alia dicunt, ea nisl reformidans duo. Clita iudicabit ut per, at dictas adipisci indoctum mea, ex probo conceptam per. Ea noluisse antiopam mei, unum aliquam consetetur ex eam, eripuit democritum ea vim.

Cu veri mundi vivendum qui, et graecis admodum eum, clita instructior ei cum. Nominati comprehensam et has, an vix erat aperiri fabulas. Pro dolorum recusabo ea, at cum dicunt menandri. Mea eu lorem accusata posidonium, ut cum dissentias philosophia interpretaris. Laudem convenire aliquando ius ex, ius dicunt consequuntur ut, no est persius docendi. Tantas sanctus laoreet mea eu, in nostrud admodum per. Et phaedrum vulputate sit, choro invenire adolescens cum ex.

Adipisci euripidis vituperatoribus id eos. Verterem posidonium qui no, te nec adhuc graeco inimicus, vis stet posse mentitum et. In sit dicat splendide, quot albucius id eam. Duo dolorem pericula ut. Nam cu tale corpora, no aliquip albucius imperdiet vel.

Conversion Option

Lorem ipsum dolor sit amet, ius at praesent dissentias, ea vis integre malorum contentiones. Id eos alia dicunt, ea nisl reformidans duo. Clita iudicabit ut per, at dictas adipisci indoctum mea, ex probo conceptam per. Ea noluisse antiopam mei, unum aliquam consetetur ex eam, eripuit democritum ea vim.

Cu veri mundi vivendum qui, et graecis admodum eum, clita instructior ei cum. Nominati comprehensam et has, an vix erat aperiri fabulas. Pro dolorum recusabo ea, at cum dicunt menandri. Mea eu lorem accusata posidonium, ut cum dissentias philosophia interpretaris. Laudem convenire aliquando ius ex, ius dicunt consequuntur ut, no est persius docendi. Tantas sanctus laoreet mea eu, in nostrud admodum per. Et phaedrum vulputate sit, choro invenire adolescens cum ex.

Adipisci euripidis vituperatoribus id eos. Verterem posidonium qui no, te nec adhuc graeco inimicus, vis stet posse mentitum et. In sit dicat splendide, quot albucius id eam. Duo dolorem pericula ut. Nam cu tale corpora, no aliquip albucius imperdiet vel.

Schedule of Benefits

The insurance includes benefits for Accidental Death, Dismemberment, Loss of Speech and/or Hearing, Paralysis and Loss of Use, any of which are caused by accident.

The following benefits are included:

Basic AD&D (Policy 1FX45) and Voluntary (1FX50). Summaries are provided below.

Maximum Amount:

Assault
0% of amount insured (max. $25,000)
Bereavement*
6 grief sessions (max. $2,500)
Brain Damage
Amount of Insurance
(less other AD&D benefits paid)
Carjacking
10% of amount insured (max. $10,000)

Specific Loss Accident Idemnity

If within one year from the date of the accident, injury results in any of the following specific losses, the underwriter pays the percentage set opposite such loss for injury resulting from an accident. Each sum is calculated based on the amount of insurance.

Maximum Amount:

Assault
0% of amount insured (max. $25,000)
Bereavement*
6 grief sessions (max. $2,500)
Brain Damage
Amount of Insurance
(less other AD&D benefits paid)
Carjacking
10% of amount insured (max. $10,000)