Group Insurance for Active Members

Public School, Community College, APSEA

Insurance Profile

The NSTU Insurance Profile (Profil du régime d'assurance) is the main source of Group Insurance and Insurance Services information.  Click on the name below to access the Insurance Profile for your group:

Description of Benefits

To view a synopsis of the coverage provided by a specific plan select from the table below:

Total Care - Medical Total Care Dental
Optional Group Life Insurance Provincial Master Life Policy
Funeral Expense Plan Voluntary Accidental Death & Dismemberment
Salary Continuation/Long Term Disability MEDOC® Travel Plan

Total Care -- Medical

Under the Teachers' Provincial Agreement, APSEA Agreement and the Community College Agreement, the employer pays 100% of the monthly premium of the single or family plan.

Hospital Benefits - 100% of semi-private room - no maximum.
Extended Health Benefits - 80% reimbursement for such items as the following (benefit maximums may apply):

  • Home nursing care;
  • Physiotherapy;
  • Prosthetic appliances;
  • Ostomy equipment;
  • Wheelchairs, walkers, hospital beds, mist tent, etc.;
  • Out-of-province physician services;
  • Accidental dental;
  • Hearing aids;
  • Eyeglasses;
  • Diabetic supplies;
  • Paramedical services.

Prescription drugs - $5.00 co-pay for each prescription.

Click here to dowload an application form.

Further details can be found by visiting the Johnson Inc. Members-Only website.

Click here to return to table


Total Care -- Dental

Under the Teachers' Provincial Agreement, APSEA Agreement and the Community College Agreement, the employer pays 65% of monthly premium of single or family plans.

80% reimbursement for such items as the following (benefit maximums may apply):

  • oral examinations;
  • cleanings, pit and fissure sealants;
  • fillings;
  • root canal therapy;
  • periodontic services;
  • denture repairs or relining;
  • extraction of teeth.

50% reimbursement for the following major restorative services to a maximum payment of $1,500 per person per calendar year:

  • crown restorations;
  • inlay and onlay restorations;
  • gold fillings when teeth cannot be restored with other material.

Prosthodontic Services - 50% reimbursement to a maximum payment of $1,500 per person per calendar year.
Orthodontic Services - 50% reimbursement to a maximum payment of $2,000 per person lifetime.

Click here to dowload an application form.

Click here to return to table


Optional Group Life Insurance

  • Basic Amount $10,000.
  • Additional amounts from $5,000 to $290,000 in units of $5,000.
  • Can be continued to age 65 if retired prior to age 65.
  • Conversion option available when policy cancels.
  • Spouse covered for $10,000 and dependent children covered for $5,000.
  • Spousal life insurance available.

Complete details on pages 1.24-1.27.

Click here to return to table


Provincial Master Life Policy

Under the Teachers' Provincial Agreement and the APSEA agreement, the employer pays 100% for all active teachers for $50,000 Life Insurance and $50,000 Accidental Death and Dismemberment.

Under the Community College Agreement the College pays 100% for all active teachers for $50,000 Life Insurance and $30,000 Accidental Death and Dismemberment.

As well, all active teachers receive the following benefits:

  • Waiver of Premium if totally disabled prior to age 60.
  • If retired prior to age 65, coverage continues to age 65 with the monthly premium deducted from your teachers' pension cheque.
  • Spouse covered for $3,000 and dependent children covered for $1,500.
  • Conversion option available when your insurance terminates.
  • Retiree life policy of $3,000 available after age 65 to death.

Click here to download a beneficiary designation form.

Click here to return to table


Funeral Expense Plan (ends July, 2014)

  • Provides up to $3,000 for funeral expenses actually incurred.
  • Coverage cancels when Provincial Master Life Policy cancels.(excluding retired employees age 65 and over)

Click here to return to table


Voluntary Accidental Death and Dismemberment

If under age 70 coverage available in amounts from $5,000 to $300,000.

If age 70 to 74 inclusive, the coverage available is $5,000 to $100,000, however there is no coverage for Permanent Total Disability, Home-Maker Weekly Indemnity and Hospital Indemnity.

Coverage for loss of life, loss of limbs or loss of use of limbs, etc. as per schedule.

For members with a spouse and/or dependent children, family coverage as per schedule.

  • 24 hour, 365 day coverage.
  • Repatriation/Identification Benefit.
  • Common Disaster Benefit.
  • Educational Benefit.
  • Seat Belt Benefit.
  • Hospital Indemnity Benefit .
  • Day Care Benefit.
  • Home Alteration and Vehicle Modification Benefit.
  • Comatose Benefit.
  • Home-Maker Weekly Indemnity.
  • Rehabilitation Benefit.
  • Family Transportation Benefit.
  • Extended Family Benefit.
  • Child Enhancement Benefit.
  • Escalation Benefit.
  • Waiver of Premium if totally disabled prior to age 60.
  • Can be continued to age 75 if retired prior to age 75.
  • Conversion option available when your insurance terminates.

Complete details on pages 1.32-144.

Click here to return to table


Salary Continuation/Long Term Disability

  • Available to members under 59 1/2 years of age.
  • Provides an income in the event of absence from work because of total disability resulting from accident or sickness.
  • 70% of gross monthly salary at time claim commences.
  • For long-term claims, benefit reduced by Teachers' Pension, Workers' Compensation and/or Canada Pension.
  • Rehabilitation benefit.
  • Cost-of-living benefit, outside the insurance contract.
  • Elimination period of 90 calendar days, or accumulated sick leave, whichever is greater.
  • Benefits payable to age 65.

Complete details on pages 1.44-1.53.

Click here to return to table


MEDOC® Travel Plan/Trip Cancellation and Interruption

Out-of-Province/Canada Emergency Medical Insurance Plan.

  • Base Plan allows unlimited travel up to a maximum of 35 calendar days per trip.
  • Supplemental Plan provides coverage for trips in excess of 35 calendar days.
  • Benefits are provided for such eligible expenses as:
    • Emergency Medical Expenses;
    • Air Emergency Transportation or Evacuation;
    • Bedside Transportation;
    • Private Nursing Expenses;
    • Physiotherapy;
    • Emergency Dental Expenses;
    • Board and Lodging;
    • Repatriation;
    • Return of Vehicle.
  • CanAssist Travel Assistance Services including a 24-hour emergency help line.

Complete details on pages 1.53-1.62.

Click here to return to table