© District 3 RTO/ERO Legal Notice Human Rights Statement

Benefits

RTO/ERO Health Plan Service

416-920-7248

1-877-406-9007

(Fax: 416-920-0939)

Claims

905-764-4888

1-800-638-4753

(Fax: 905-764-4041 or 1-888-895-2209

www.johnson.ca

Local Health Care Resources

Alzheimer Society of Sault Ste. Marie SSM & District Canadian Diabetes Assoc. Canadian Cancer Society Heart and Stroke Foundation

Click a link (above) to access a datasheet of the resource. You can also print the datasheet! If you have any suggestions for future datasheets, please forward your

thoughts to District 3 RTO (garyrwills@gmail.com) Thank you!

Benefits Updates -- Bruce Avery, Benefits Chair
Local member, Gayle Manley, is the Provincial Chair of the Benefits Committee!
Video Links "23 and 1/2 hours: What is the single best thing we can do for our health?" "Let's Make our Day Harder" Elaine Dembe - Health & Wellness
In the event of a claim, EACH out of province traveller, covered under the RTO Group Benefit Plan, will require proof that he/she was in the province of Ontario the day of, or the day before the date of departure. -- “RTO/ERO Out of Province Booklet
Powers of Attorney: A power of attorney is a legal document in which you appoint a person of your choice to act as your representative in the event that you are unable to do so. If you have an assigned Power of Attorney, Johnson Inc. Plan Benefits Service will require an original or notarized copy of the general or continuing Power of Attorney for property. This original or notarized copy will be returned to you. The basic standard for authenticating documents for legal purposes is a lawyer (barrister/solicitor), commissioner of oaths or notary public. Please note that a faxed or emailed copy of a power of attorney cannot be considered an original document. There are TWO Powers of Attorney, Property & Personal. Property aka Financial is the one that covers your Johnson Plan! Also, Allianz has the FINAL SAY re OUT OF PROVINCE TRAVEL. NB: If in doubt .... CALL ALLIANZ!
REMINDER: When travelling outside the province, contact ALLIANZ GLOBAL ASSISTANCE (AGA) within 48 hours of a medical emergency. Bring the current Out- of-Province/Canada Travel Booklet in your luggage. Be sure that a travel companion and/or someone at home is aware of the need to contact ALLIANZ. Your AGA ID number is in the Booklet. Consider bringing an “ICE” card, with your info.
Good News from the RTO Geriatric Charitable Foundation Local Funeral Homes will be given RTO donation forms so that members and friends may make donations directly at the Funeral Home to the RTO Charitable Foundation in the name of a deceased member or friend. There will also be appreciation cards available. Please contact President Rich Prophet for further information.
Patients First: An RTO/ERO Perspective RTO/ERO responded to a discussion paper entitled Patients First, proposed by the Ontario Ministry of Health and Long-Term care. The ministry was seeking public feedback on a action plan to strengthen patient-centred health care in Ontario. The RTO/ERO members who took the opportunity to provide their perspectives have considerable background on the health care issues at hand and the proposals of the Ministry of Health and Long-Term Care. Patients First: An RTO/ERO Perspective reflects the informed opinions of our members in their words; it does not constitute an official RTO/ERO recommendation. By summarizing the member responses, RTO/ERO presents the high-level themes that emerged, to help guide Ministry staff. http://www.rto-ero.org/publications/government-relations
5 Questions to Ask About Your Medications Video
Best Doctors Resources:
SHINGLES VACCINATION The Ontario Government will now cover the cost Zostavaz, the shingles vaccine, for people between the ages of 65 and 70. For members of the RTO/ERO Extended Health Care Plan, outside this age bracket, 85% of the cost is covered. MEDICAL EMERGENCY OUTSIDE ONTARIO If you have a medical emergency while travelling outside Ontario, you, a family member or travelling companion must contact Allianz Global Assistance within 48 hours of the emergency or payments will be limited to $2,000 per insured person per trip. In addition to the identification number on your RTO/ERO Johnson card, Allianz Global Assistance will require your Ontario Health Insurance Plan (OHIP) number and the Allianz Global Assistance identification number 9092 (Base Plan) or 9265 (Supplemental Travel Plan) to process payments. TRIP CANCELLATION, INTERRUPTION/DELAY BENEFITS Details of this coverage are found in the 2014 OUT-OF-PROVINCE-CANADA TRAVEL BOOKLET (pg. 11,12). Trip cancellation claims must be reported to Allianz Global Assistance before the scheduled departure date from the province of residence and within 48 hours of the cancellation. Trip Interruption/Delay expenses beyond the province of residence must be reported to Allianz Global Assistance. RECEIPT DEADLINE All claims must be submitted no later than the end of the calendar year following the year in which the expenses were incurred. For example, all claims incurred in 2015 must be submitted by December 31, 2016. Details on p. 10, 2014 Insurance Plans Booklet.
AND… Those calls from Microsoft…. aren’t from Microsoft! (No, you don’t have 6,000 viruses!) Never let anyone access your computer via the Internet, UNLESS YOU MADE THE CONTACT and YOU VERIFIED THE PHONE NUMBER!
Above, you will find attached a document often requested by members. It contains general useful information and lists documents your spouse/family member should know the location of -- power of attorney, will, birth certificate, social insurance number, bank accounts, health card, and so many more. Click on the (8 page) fillable PDF to open your own copy. Complete, Save, Print, Edit, Save, Print …
FAQs: Are Dental Specialist fees a covered expense? No. Under the RTO/ERO Dental Plan, expenses are based on the current General Practitioner’s fee guide. If you choose to receive treatment from a Specialist, the claim would be adjudicated based on the General Practitioner’s fee guide in the province where the dental services are performed, and you would be responsible for the difference. When should I submit a dental pre-determination? If the cost of proposed dental work is expected to exceed $600, you should submit a detailed pre-determination plan to Johnson Inc. Plan Benefits Claims. They will then advise you, before the work begins, of the amount payable under the Plan. For major restorative treatment, the pre-treatment radiograph will be requested. For Plan details, please refer to the RTO/ERO Insurance Plans Booklet. Can I purchase glasses, hearing aids, etc. in another country and submit the receipt for reimbursement? Purchases can made outside Canada; however, reimbursement would be made as if the expense was incurred in your province of residence subject to the RTO/ERO Plans’ maximums and limitations. All reimbursements are made in Canadian funds. I live close to the U.S. border and go across the border for medical care. Am I covered for these expenses? No. Out-of-Canada elective services and resulting treatments are not eligible expenses under the RTO/ERO Group Insurance Plans. If my doctor refers me for treatment in the U.S., are my medical expenses eligible for reimbursement? Expenses for this referred treatment would be covered only if the service was not available in Canada and the Government Health Insurance Plan agreed to pay its portion of the cost. Approval should be obtained from the provincial plan before you obtain treatment. If treatment were available in Canada, expenses would not be paid by the RTO/ERO Plans.
The 2019 Editions of our Insurance Plans Booklet and our Out-of- Province/Travel Booklet are now available! Click the covers to browse or download the booklets! Check out plan updates… Tip: Download to your phone/tablet for easy access while travelling!
Patients First: An RTO/ERO Perspective RTO/ERO responded to a discussion paper entitled Patients First, proposed by the Ontario Ministry of Health and Long-Term care. The ministry was seeking public feedback on a action plan to strengthen patient-centred health care in Ontario. The RTO/ERO members who took the opportunity to provide their perspectives have considerable background on the health care issues at hand and the proposals of the Ministry of Health and Long-Term Care. Patients First: An RTO/ERO Perspective reflects the informed opinions of our members in their words; it does not constitute an official RTO/ERO recommendation. By summarizing the member responses, RTO/ERO presents the high-level themes that emerged, to help guide Ministry staff. http://www.rto-ero.org/publications/government-relations
Click the presentation, above, to view in PDF format.
Neuromyths You’re left-brained. You’re right brained. Your brain is good at multitasking. You use only 10% of your brain. Playing brain games makes you smarter. You have a particular learning style. The Things We Forget 83% of us forget people’s names. 60% of us forget where we put things. 53% of us forget words ‘on the tip of the tongue’. 42% of us forget people’s faces. 41% of us forget directions we’ve been given. 41% of us forget what we just started to do. 38% of us forget whether we locked the door, etc. Attention Span “The average attention span for the notoriously ill-focused goldfish is nine seconds … but, according to a recent Microsoft study, people now generally lose concentration after eight seconds., highlighting the effects of an increasingly digitalized lifestyle on the brain. Microsoft found that, since the year 2000 (or about when the mobile revolution began), the average attention span dropped from 12 seconds to eight seconds. ‘Heavy multi-screeners find it difficult to filter out irrelevant stimuli -- they’re more easily distracted by multiple streams of media,’ the report read.” ~ Time, May 2015 Our Brains Are Plastic Our brains are actually supple, malleable organs -- as ready to unlearn as they are to learn -- and have a remarkable ability to recalibrate themselves. Brains thrive on change, but -- unless they’re pushed to engage in new activities -- then almost no plasticity occurs. Brains simply can’t ignore novelty -- so they’re attracted to things that are DIFFERENT. How To Grow Your Dendrites We can embrace plasticity and rewire our brains by growing our dendrites. Be physically active. Get some sleep! Eat ‘brain’ food. Don’t stop working. Ever. Become an expert -- in anything. Take a course in something. Learn to roll with the punches. Learn a new language in three years -- not three weeks. Stock your life with rich experiences of all kinds. Go out with friends. Meet new people. Play with toys. Lots of them. Different ones.
It’s A Question of Balance
reason logic math reading writing language analysis
creativity rhythm imagery dreams emotions symbols synthesis
LEFT BRAIN ACTIVITIES
RIGHT BRAIN ACTIVITIES
Thank you to our Benefits Committee, Page Nicolson & Bruce Avery, for this comprehensive report! https://www.speakers.ca/2016/10/a-workout-with-the-brain-trainer/
Click to read/download The Little Black Book of Scams
The March 26th General Membership Meeting was well attended! Anya Rampersad, RTO/ERO Coordinator of Health Benefits spoke of Most Frequently Asked Questions About Our Health Plans Her excellent presenation was well appreciated by those present - so much so that we were asked to add the presentation to the District 3 Website! Voila! Click the page, above, to both view / download Anya’s presentation. The NEWEST RTO/ERO Insurance Plans Booklet is available, below, on this page! Download the booklet to your tablet/phone for reference while traveling.
Ontario’s Action Plan for Seniors
Compare RTO/ERO Group Insurance Plan to RTIP Plus 4000, RTIP Gold 2500 and RTIP Gold 750 (Click HERE to download the PDF)
Did you know... > 8 of 10 retirees choose RTO-ERO Insurance. > 9.9 of 10 participants in the RTO-ERO Group Benefits Program were satisfied.
Click to compare RTO’s Johnson Insurance with OTIP’s RTIP Plus and MROO!
© RTO / ERO District 3 Legal Notice Human Rights Statement

Benefits

RTO/ERO Health Plan Service

416-920-7248

1-877-406-9007

(Fax: 416-920-0939)

Claims

905-764-4888

1-800-638-4753

(Fax: 905-764-4041 or 1-888-895-2209

www.johnson.ca

Local Health Care Resources

Alzheimer Society of Sault Ste. Marie SSM & District Canadian Diabetes Assoc.

Canadian Cancer Society Heart and Stroke Foundation

Click a link (above) to access a datasheet of the resource. You can also print the

datasheet! If you have any suggestions for future datasheets, please forward your

thoughts to District 3 RTO (garyrwills@gmail.com) Thank you!

Powers of Attorney: A power of attorney is a legal document in which you appoint a person of your choice to act as your representative in the event that you are unable to do so. If you have an assigned Power of Attorney, Johnson Inc. Plan Benefits Service will require an original or notarized copy of the general or continuing Power of Attorney for property. This original or notarized copy will be returned to you. The basic standard for authenticating documents for legal purposes is a lawyer (barrister/solicitor), commissioner of oaths or notary public. Please note that a faxed or emailed copy of a power of attorney cannot be considered an original document. There are TWO Powers of Attorney, Property & Personal. Property aka Financial is the one that covers your Johnson Plan! Also, Allianz has the FINAL SAY re OUT OF PROVINCE TRAVEL. NB: If in doubt .... CALL ALLIANZ!
Health Insurance and Services Updates Bruce Avery, Benefits Chair
Local member, Gayle Manley, is the Provincial Chair of the Benefits Committee!
Video Links "23 and 1/2 hours: What is the single best thing we can do for our health?" "Let's Make our Day Harder" Elaine Dembe - Health & Wellness
In the event of a claim, EACH out of province traveller, covered under the RTO Group Benefit Plan, will require proof that he/she was in the province of Ontario the day of, or the day before the date of departure. -- “RTO/ERO Out of Province Booklet
Did you know > 8 of 10 retirees choose RTO-ERO Insurance. > 9.9 of 10 participants in the RTO-ERO Group Benefits Program were satisfied.
Good News from the RTO Geriatric Charitable Foundation Local Funeral Homes will be given RTO donation forms so that members and friends may make donations directly at the Funeral Home to the RTO Charitable Foundation in the name of a deceased member or friend. There will also be appreciation cards available. Please contact President Rich Prophet for further information.
REMINDER: When travelling outside the province, contact ALLIANZ GLOBAL ASSISTANCE (AGA) within 48 hours of a medical emergency. Bring the current Out-of-Province/Canada Travel Booklet in your luggage. Be sure that a travel companion and/or someone at home is aware of the need to contact ALLIANZ. Your AGA ID number is in the Booklet. Consider bringing an “ICE” card, with your info.
Patients First: An RTO/ERO Perspective RTO/ERO responded to a discussion paper entitled Patients First, proposed by the Ontario Ministry of Health and Long-Term care. The ministry was seeking public feedback on a action plan to strengthen patient-centred health care in Ontario. The RTO/ERO members who took the opportunity to provide their perspectives have considerable background on the health care issues at hand and the proposals of the Ministry of Health and Long-Term Care. Patients First: An RTO/ERO Perspective reflects the informed opinions of our members in their words; it does not constitute an official RTO/ERO recommendation. By summarizing the member responses, RTO/ERO presents the high-level themes that emerged, to help guide Ministry staff. http://www.rto-ero.org/publications/government-relations
5 Questions to Ask About Your Medications Video
Best Doctors Resources:
SHINGLES VACCINATION The Ontario Government will now cover the cost Zostavaz, the shingles vaccine, for people between the ages of 65 and 70. For members of the RTO/ERO Extended Health Care Plan, outside this age bracket, 85% of the cost is covered. MEDICAL EMERGENCY OUTSIDE ONTARIO If you have a medical emergency while travelling outside Ontario, you, a family member or travelling companion must contact Allianz Global Assistance within 48 hours of the emergency or payments will be limited to $2,000 per insured person per trip. In addition to the identification number on your RTO/ERO Johnson card, Allianz Global Assistance will require your Ontario Health Insurance Plan (OHIP) number and the Allianz Global Assistance identification number 9092 (Base Plan) or 9265 (Supplemental Travel Plan) to process payments. TRIP CANCELLATION, INTERRUPTION/DELAY BENEFITS Details of this coverage are found in the 2014 OUT-OF-PROVINCE- CANADA TRAVEL BOOKLET (pg. 11,12). Trip cancellation claims must be reported to Allianz Global Assistance before the scheduled departure date from the province of residence and within 48 hours of the cancellation. Trip Interruption/Delay expenses beyond the province of residence must be reported to Allianz Global Assistance. RECEIPT DEADLINE All claims must be submitted no later than the end of the calendar year following the year in which the expenses were incurred. For example, all claims incurred in 2015 must be submitted by December 31, 2016. Details on p. 10, 2014 Insurance Plans Booklet.
NEW !!!!! MemberPerks with Venngo MemberPerks® is included in RTO/ERO’s Extended Health Care Plan as of January 1, 2017. RTO/ERO members and their families without RTO/ERO’s Extended Health Care Plan can join MemberPerks® for only $24.95/year, plus HST. Click the MemberPerks graphic for more! >>
RTO/ERO MemberPerks®
AND… Those calls from Microsoft…. Aren’t from Microsoft! (No, you don’t have 6,000 viruses!) Never let anyone access your computer via the Internet, UNLESS YOU MADE THE CONTACT and YOU VERIFIED THE PHONE NUMBER!
Below, you will find attached a document often requested by members. It contains general useful information and lists documents your spouse/family member should know the location of -- power of attorney, will, birth certificate, social insurance number, bank accounts, health card, and so many more. Click on the (8 page) fillable PDF to open your own copy. Complete, Save, Print, Edit, Save, Print …
FAQs: Are Dental Specialist fees a covered expense? No. Under the RTO/ERO Dental Plan, expenses are based on the current General Practitioner’s fee guide. If you choose to receive treatment from a Specialist, the claim would be adjudicated based on the General Practitioner’s fee guide in the province where the dental services are performed, and you would be responsible for the difference. When should I submit a dental pre-determination? If the cost of proposed dental work is expected to exceed $600, you should submit a detailed pre-determination plan to Johnson Inc. Plan Benefits Claims. They will then advise you, before the work begins, of the amount payable under the Plan. For major restorative treatment, the pre-treatment radiograph will be requested. For Plan details, please refer to the RTO/ERO Insurance Plans Booklet. Can I purchase glasses, hearing aids, etc. in another country and submit the receipt for reimbursement? Purchases can made outside Canada; however, reimbursement would be made as if the expense was incurred in your province of residence subject to the RTO/ERO Plans’ maximums and limitations. All reimbursements are made in Canadian funds. I live close to the U.S. border and go across the border for medical care. Am I covered for these expenses? No. Out-of-Canada elective services and resulting treatments are not eligible expenses under the RTO/ERO Group Insurance Plans. If my doctor refers me for treatment in the U.S., are my medical expenses eligible for reimbursement? Expenses for this referred treatment would be covered only if the service was not available in Canada and the Government Health Insurance Plan agreed to pay its portion of the cost. Approval should be obtained from the provincial plan before you obtain treatment. If treatment were available in Canada, expenses would not be paid by the RTO/ERO Plans.
The 2019 Editions of our Insurance Plans Booklet and our Out-of- Province/Travel Booklet are now available! Click the covers to browse or download the booklets! Check out plan updates… Tip: Download to your phone/tablet for easy access while travelling!
Click, below, to view the Health Presentation from the January 23, 2018 General Membership Meeting. Stephen Wong, Director of Health Services RTO-ERO was our presenter.
Neuromyths You’re left-brained. You’re right brained. Your brain is good at multitasking. You use only 10% of your brain. Playing brain games makes you smarter. You have a particular learning style. The Things We Forget 83% of us forget people’s names. 60% of us forget where we put things. 53% of us forget words ‘on the tip of the tongue’. 42% of us forget people’s faces. 41% of us forget directions we’ve been given. 41% of us forget what we just started to do. 38% of us forget whether we locked the door, etc. Attention Span “The average attention span for the notoriously ill-focused goldfish is nine seconds … but, according to a recent Microsoft study, people now generally lose concentration after eight seconds., highlighting the effects of an increasingly digitalized lifestyle on the brain. Microsoft found that, since the year 2000 (or about when the mobile revolution began), the average attention span dropped from 12 seconds to eight seconds. ‘Heavy multi-screeners find it difficult to filter out irrelevant stimuli -- they’re more easily distracted by multiple streams of media,’ the report read.” ~ Time, May 2015 Our Brains Are Plastic Our brains are actually supple, malleable organs -- as ready to unlearn as they are to learn -- and have a remarkable ability to recalibrate themselves. Brains thrive on change, but -- unless they’re pushed to engage in new activities -- then almost no plasticity occurs. Brains simply can’t ignore novelty -- so they’re attracted to things that are DIFFERENT. How To Grow Your Dendrites We can embrace plasticity and rewire our brains by growing our dendrites. Be physically active. Get some sleep! Eat ‘brain’ food. Don’t stop working. Ever. Become an expert -- in anything. Take a course in something. Learn to roll with the punches. Learn a new language in three years -- not three weeks. Stock your life with rich experiences of all kinds. Go out with friends. Meet new people. Play with toys. Lots of them. Different ones.
It’s A Question of Balance
reason logic math reading writing language analysis
creativity rhythm imagery dreams emotions symbols synthesis
LEFT BRAIN ACTIVITIES
RIGHT BRAIN ACTIVITIES
Thank you to our Benefits Committee, Page Nicolson & Bruce Avery, for this comprehensive report! https://www.speakers.ca/2016/10/a-workout-with-the-brain- trainer/
Click to read/download The Little Black Book of Scams
The March 26th General Membership Meeting was well attended! Anya Rampersad, RTO/ERO Coordinator of Health Benefits spoke of “Most Frequently Asked Questions About Our Health Plans Her excellent presenation was well appreciated by those present - so much so that we were asked to add the presentation to the District 3 Website! Voila! Click the page, above, to both view / download Anya’s presentation. The NEWEST RTO/ERO Insurance Plans Booklet is available, below, on this page! Download the booklet to your tablet/phone for reference while traveling.
Anya Rampersad, RTO/ERO Coordinator of Health Benefits March 26, 2019
Ontario’s Action Plan for Seniors
Compare RTO/ERO Group Insurance Plan to RTIP Plus 4000, RTIP Gold 2500 and RTIP Gold 750 (Click HERE to download the PDF)