They were not forthright with respect to two matters.
They did not adequately advise the employees of Nortel that when they made their own employee contributions to raise the amount paid, or when the employer made his own contributions, those contributions of money were not going to a third-party insurance company. Post-2005, they did admit and give qualifications that this is self-insured, but they would play the role of an insurance company.
The other wrongdoing was that there was a trustee agreement that required employer contributions to be put in each year to fund the present and the future long-term disability wage-loss replacement claims and medical claims. Those employer contributions have not been made for many years.