http://etfo-elhtbenefits.ca/

Who is eligible to participate in the ETFO Benefits Plan under the ETFO ELHT?

  • ETFO Teachers, ESPs, PSPs, and DECEs in permanent positions;
  • Long Term Occasional Teachers holding a position of 90 consecutive calendar days or longer

What should you do if you are a newly eligible member and do not receive your OTIP enrolment information?

You will receive an invitation to enrol, sent to your board email address.
If you do not receive this information within three weeks of your eligibility date, please contact OTIP at 1-866-783-6847 or email ETFOenrolment@otip.com.
Newly eligible members have 31 days from their eligibility date to enroll.

Once you have received your enrolment information from OTIP, follow the instructions contained in the online tutorial
(www.otip.com/loginhelp) to complete your benefits enrolment.

How does eligibility work for Long Term Occasional (LTO) teachers? 

The ETFO provincial benefits plan will provide coverage for Long Term Occasional (LTO) Teachers based on the following eligibility criteria:

  • Assignment must be 90 consecutive calendar days or longer (except where there is currently a shorter eligibility rule in the collective agreement e.g. currently 60 consecutive calendar days, the LTO Teacher would be eligible);
  • Enrolment in the benefits plan is mandatory for a 1.0 LTO Teacher in an assignment of 90 consecutive days or longer;
  • Benefits coverage will begin on the first day of a known assignment and coverage will cease upon termination of the assignment;
  • Must be one continuous assignment of at least 90 consecutive calendar days (e.g. a 45 day assignment followed by another 45 day assignment will not constitute eligibility);
  • Members in eligible assignments where the FTE is less than 1.0 and who voluntarily opt into health and/or dental benefits will be required to pay health and dental premiums on a pro-rated basis (e.g. 0.6 FTE would be required to pay 40% of the monthly premium for health and dental).
  • LTO eligibility rules may be combined with contract eligibility rules: E.g. Where a 0.5 contract member also has a 0.5 LTO assignment of 90 consecutive calendar days or longer, the member may combine eligibility and premium share to receive full benefits coverage with no member contribution for the duration of the LTO assignment. Following the completion of the LTO assignment, should the member voluntarily opt into health and/or dental benefits the member will be responsible for paying 50% of the premiums for health and dental as required by the eligibility rules for part-time permanent employees.

 

What if an LTO Teacher assignment is extended to 90 consecutive calendar days or longer?

If an assignment is extended to 90 consecutive calendar days or longer, the member will be eligible to enrol in the Plan retroactively to the first day of their assignment.
Standard premium contribution rules will apply.

E.g. No premium contribution is required by an LTO Teacher working in a 1.0 FTE assignment of 90 consecutive calendar days or longer; an LTO Teacher working in a 0.5 FTE assignment who voluntarily opts into health and/or dental benefits will be required to pay 50% of the premium for health and dental. If premium is required, it will be retroactively assessed through payroll.

Claims for eligible expenses incurred will be honoured back to the first day of the assignment. Therefore, members should be encouraged to keep their receipts if they expect their assignment may be extended.

What if a 90 consecutive calendar day LTO Teacher assignment gets shortened unexpectedly?

If a 90 consecutive calendar day assignment gets shortened unexpectedly then coverage will cease upon termination of the assignment. Members will not be required to repay any claims that were paid to them while coverage was in force.

Will coverage continue over the summer for an LTO Teacher who works until the end of the school year?

Benefits coverage will cease for an LTO assignment that ends on the last day of the school year.