CURAC Affinity Agreements

by Frank Millerd

Please mention that you are a member of the Wilfrid Laurier University Retirees’ Association when applying for coverage under any of the CURAC affinity programs. Some programs provide rebates to our Association.

Registered Teachers of Ontario Plans

Members of WLURA may join the Retired Teachers of Ontario (RTO) and participate in RTO’s group plans. You must be a member of RTO (fee is $76.50 per year) to join an RTO group insurance plan, but you can join RTO without joining an RTO plan.

RTO Extended Health Care Plan

• Pays for eligible expenses that are recommended as medically necessary but are not normally covered by a government health insurance plan.
• Includes, with some limitations, prescription drugs, vision care, eldercare guidance, paramedical practitioners, aids and appliances, accidental dental, and guidance on treatment options.
• Comprehensive travel medical insurance for 93 days per trip.

Retirees not now members of WLU or another extended health care plan, or those wishing additional insurance, may join RTO and the RTO Extended Health Care Plan. RTO members currently in Laurier’s plan will be accepted into the RTO Extended Health Care Plan without a medical questionnaire. Coverage is also available for a spouse and dependent children.

Joining RTO to ensure that the surviving spouse or partner is eligible to join RTO group plans:

• The surviving spouse of a deceased retiree may join RTO and RTO’s plans only if the deceased retiree was an RTO member at time of the retiree’s death.
• After a retiree dies, health and dental benefits from Laurier for a surviving spouse and eligible dependents continue for two years.
• A surviving spouse who joins the RTO plan within two years of the retiree’s death and is still a member of Laurier’s Group Benefits Plan will be accepted into the RTO plan without a medical questionnaire.

RTO does not offer stand-alone travel insurance but their full extended health care package includes competitive travel and trip-cancellation insurance.

Travel Planning

• Collette Travel: Inquiries and bookings can be made at 1-855-394-8687 or through a travel agent. CURAC members save $100 per person on all tours, all dates. Mention your CURAC membership when calling. Use code CURACSAVE for seasonal offers up to $500 off per person. www.gocollette.com
• Trip Merchant: At the website www.curac.tripmerchant.ca/ enter the CURAC password: CURACTM18. Mention your CURAC membership when inquiring.
• Travel Insurance: Johnson Inc. offers two Travel Insurance plans to CURAC members.
• MEDOC Travel Insurance provides emergency health care as well as trip cancellation or interruption coverage.
• Stand Alone Trip Cancellation Insurance for those who already have out-of-province medical insurance. The coverage is per person per trip for an unlimited number of trips per year at an annual premium to cover an individual, a couple, or a family. Extended family members or friends of CURAC members are also eligible.

For information on the policies and how to enrol, go to: curac.johnson.ca.

Members who do not see a fit with the above may contact Securiglobe (1-888-211-4444), a broker that endeavours to match individual clients to insurance coverage that suits their needs.

Home and Car Insurance

Belair Insurance offers auto and home insurance at advantageous rates to CURAC-affiliated retirees. Details at www.curac.ca. Click on “Member Benefits, Insurance, Home and Auto.”

Pet Care Insurance

PetSecure offers retirees affiliated with CURAC pet insurance at advantageous rates. PetSecure is a member company of Economical.

Visit petsecure.com/group for information.

For further information on all affinity agreements go to the CURAC web site www.curac.ca and click on Member Benefits.