4 minute read
What Do I Do Now? How to Avoid Surprises with Your Insurance Coverage
What Do I Do NoW?
How to Avoid Surprises with Your Insurance Coverage
Leaving your passport on the kitchen counter and only realizing it halfway to the airport – or worse yet, while standing in front of an electronic check-in kiosk – is like experiencing a real-life version of the dream where you show up to a final exam and remember you haven’t attended a single class all
semester. Something has gone terribly wrong but it’s too late to do anything about it. What do you do now?
You likely want to do everything you can to make sure you don’t ever experience that particular sinking feeling. This includes familiarizing yourself with your insurance coverage. It is better to know ahead of time what to expect and what is required from you, so that you don’t end up scrambling to gather information in an emergency or time of great upheaval in your life. We’ve compiled a list of four scenarios that might result in that “What do I do now?” feeling, and some tips on how to avoid them.
What is my coverage?
You never want to submit a large claim and have it denied, resulting in significant financial hardship. We don’t want that either! The best way to prevent this is to familiarize yourself with your coverage, so you know before making any decisions whether the claim is likely to be approved. Do you have Extended Health Care? Do you have coverage for medical emergencies while travelling? Are you covered for home care, hospital, and ambulance? Hearing aids, medical devices, or paramedical practitioners like physiotherapists and psychologists? If so, how much is covered and for how long? If you have any doubts, it would be wise to contact Johnson Inc. before incurring any expenses.
Will my coverage continue if my spouse passes away?
Losing a spouse is a traumatic event that can plunge the surviving spouse into a world of uncertainty. Ideally, you want to worry about taking care of yourself, rather than worry about whether someone will be there to take care of you if a medical need arises. For RTAM members, the surviving spouse of a full/associate member who was enrolled in an RTAM sponsored plan at the time of death may keep the current coverage without a gap in coverage by applying for an associate membership of their own as soon as is reasonably possible.
Am I covered for an emergency while travelling?
If you have the Premier Travel Insurance Plan and have been declared medically fit to travel, you will very likely be covered for any health emergencies experienced while travelling. To be considered medically fit, the following criteria must be met: • there has been no test result showing a deterioration • there has been no hospitalization or referral to a specialist (made or recommended) and there is no further investigation for which results are pending • you are not travelling against medical advice or with the intention of obtaining medical treatment abroad
Note: if you are at all concerned, you should consult with your physician about your travel plans and medical fitness for travel, and request that a statement is placed in your medical file to be reviewed in the event of a claim.
When and how should I contact Johnson Inc.?
We are always happy to receive your phone calls and emails! RTAM members, can call 1.877.989.2600 (Select Option #2) with any questions, especially time-sensitive issues. You can also email us at pbservicewest@johnson.ca for any of the following updates or requests: • address update • any policy changes • change in supplemental travel plans • change in banking information for premium payments • general questions about Johnson Inc. insurance plans • request a current policy booklet (Certificate of
Insurance) • request a call back– be sure to include your phone number and best time to call ¡
RTAM
Photography CONTEST
The KIT editorial committee’s photo contest entry deadline is 3:00 p.m. on November 8, 2017.
Two categories:
· Canada Day: Any picture taken on Canada Day which shows what Canada means to Canadians. · Autumn Foliage: Any plants or trees showing autumn colours.
You can find the contest rules at: http://bit.ly/2wg0hVm
RETIRED TEACHERS’ ASSOCIATION OF MANITOBA (RTAM) Summer 2017 Photo Contest Official Entry Form
A copy of this form must be attached to the back of each entry submitted by mail or filled in, signed by photographer and mailed to the RTAM office where it will be attached to the emailed photo
PLeASe PRINT
NAME
ADDRESS
PHONE
CATEGORY ❏ Canada ❏ Autumn POSTAL CODE
PHOTOGRAPH TITLE: (optional)
DeCLARATIoN
I agree to abide by the RTAM SUMMER 2017 PHOTO CONTEST RULES as set forth by RTAM and posted on www.rtam.mb.ca. and in KIT. I also agree that RTAM and its officers, directors, and employees shall not be liable, without limitations, for any claims based on publicity rights, defamation or invasion of privacy. I also confirm that I am a member in good standing of RTAM.
I confirm that all information given by me in connection to the photography contest is true and correct.
SIGNATURE __________________________________________ DATE________________________
All entries to be sent by postal service, courier or hand delivered to:
