Creativity is much more than an artistic representation. It is a state of mind. It is the ability to innovate, to imagine, to achieve a goal or to design something original. Creativity applies to all areas of work.

Creativity exists in all of us. It is fundamentally linked to self-development and self-improvement. It stimulates the whole process of thinking, of finding solutions or solving problems. 

Personal experiences and the gathering of information from the outside world generate unique, complex, and independent human beings. It is no coincidence that we innovate or that we aim at creating a world that resemble us.

Creativity is a free form of self-expression.

Being creative is good for your morale, your health, and your self-esteem! 

Unleash your Creativity!
Creativity is not just an innate skill. Here are a few techniques that can help you unleash and improve it:

• Be bold – learn to say “Why not?”
•   Be curious
•   Do It Yourself
•   Change your routine
•   Take a walk and let your mind wander
•   Rearrange your space – at work or at home
•   Play and have fun to reconnect with your inner child

Your Group Benefits: Critical Illness

Basic Critical Illness Insurance – Active Members Only

If, while you are insured for this benefit, you are diagnosed with one of the covered Critical Illness conditions shown in the Covered Critical Illness Conditions Pamphlet available from the benefit administration department, you can submit a claim for your Basic Critical Illness benefit. You must have survived your illness for 30 days or more past the date you were first diagnosed. Your claim will be evaluated using the Entitlement Criteria.

The Benefit Benefit Type – Comprehensive

Benefit Amount – $10,000

Termination Age – your benefit terminates at the earlier of age 75, your retirement or your Critical Illness benefit is paid out in each of the 4 Multiple Event Coverage Groups

Member Optional Critical Illness Insurance

If, while you are insured for this benefit, you are diagnosed with one of the covered Critical Illness conditions shown in the Covered Critical Illness Conditions Appendix, you can submit a claim for your Member Optional Critical Illness benefit. You must have survived your illness for 30 days or more past the date you were first diagnosed. Your claim will be evaluated using the Entitlement Criteria.

The Benefit Benefit Type – Comprehensive

Benefit Amount – increments of $10,000, to a maximum of $300,000 (minimum benefit of $10,000)

Non-Evidence Limit – All amounts are subject to Evidence of Insurability. However, for Active Members, evidence of insurability will be waived for an amount which is $50,000 or less. For Retired Members, evidence of insurability will be waived for an amount which is $20,000 or less.

Termination Age – your benefit amount reduces by 50% at your age 65, to a maximum of $50,000 for Active Members, $20,000 for Retired Members (minimum benefit of $10,000), and terminates at the earlier of age 75, or your Critical Illness benefit is paid out in each of the 4 Multiple Event Coverage Groups. The reduced maximum cannot be increased at a later date.

Entitlement Criteria

Manulife Financial will apply the following criteria in determining your entitlement to Critical Illness Benefits:

• Manulife Financial receives medical evidence documenting your diagnosis of a covered Critical Illness condition;
  
• the diagnosis of any Critical Illness is made by a physician, practicing medicine in Canada in a specialty relating to the applicable Critical Illness. At any time, Manulife Financial may require you to submit to a medical examination or evaluation by an examiner selected by Manulife Financial.

Critical Illness Covered Conditions

Further detail on these conditions are available here.

Submitting a Claim

To submit a Critical Illness Insurance claim, the person must have survived their illness for 30 days or more past the date they were first diagnosed.

For all Critical Illness coverage, Manulife Financial needs to receive your completed claim form within 90 days of the date of diagnosis of the Critical Illness. You can obtain a claim form from the benefit administration team. The form shows all of the necessary documents you need to submit to support your claim.

For more information on the basic or optional critical illness insurance plans, please read the pamphlet by clicking here or contact Johnson Inc. at 1-888-851-5500.

Insurance for Supply Teachers

• To join the NBTF group insurance plan, supply teachers must become members of either the New Brunswick Teachers’ Association (NBTA) or the Association des enseignantes et des enseignants francophones du Nouveau-Brunswick (AEFNB).
• Supply teachers become eligible for NBTF group insurance on their first day of supply teaching. No proof of insurability will be required* provided that the teacher has completed the application form within 31 days of the first day of supply teaching.
• The employer’s do not pay the premium for supply teachers.
• In order to continue their coverage, the supply teacher must prove that they taught a minimum of 10 days in the previous school year, otherwise the insurance may be cancelled.

If a supply teacher receives a contract, he or she must contact Johnson Inc. as soon as possible to change his or her insurance coverage at 1-888-851-5500.
 
*Proof may be required for optional life insurance.