ETFO ELHT 2020 Teacher/LTO Benefits Plan Renewal

Dear ETFO ELHT Teacher/LTO Plan Member,

The ETFO ELHT Benefits Plan renews effective September 1 of each year. September 1, 2020 is the third renewal of our plan. 
If you are working a 1.0 FTE and do not have Supplemental Life, you are not affected by these rate changes.
After thorough analysis of plan usage, experience, funding, and rising dental and health care costs, the ETFO ELHT Board of Trustees approved the September 1, 2020 Renewal. As a result, the Basic Life, Supplemental Life, Extended Health and Dental rates will be adjusted as follows effective September 1, 2020:

  • Basic Life insurance rate will decrease by 10%
  • Members actively at work will not be affected by the rate decrease as the ETFO ELHT covers this cost on behalf of plan members. However, it will result in a decrease to the taxable amount reported on your 2020 T4A.
  • Supplemental Life insurance rate will decrease by 10%
  • Extended Health rate will increase by 4%
  • Dental rate will increase by 4%
  • No rate changes to Accidental Death and Dismemberment (AD&D) insurance rate (please note that there was a 15.9% decrease in 2019)
  • No rate change to Optional Life insurance for member, spouse or child

These rate changes will affect:
  • Members on non-statutory leaves (e.g. unpaid leaves, member funded leaves, LTD after 24 months) who pay for their Health, Dental, and Basic Life premiums
  • Part-time teachers who pay a pro-rated share of their Health and Dental premiums
  • Members who opted into Supplemental Life
* Member on non-statutory/unpaid leave
 Rates include taxes. Rates are subject to change annually.
1 Life and Supplemental rates are per $1,000 of coverage and are based on an $80,000 salary
(1 times earnings for Supplemental Life).

I f you are affected by the above changes, you will receive a notice to inform you that your benefit premiums have changed prior to the first increased deduction in the fall.

To learn more about your benefits coverage and to view your benefits booklet, please review your benefits booklet located in the OTIP secure member site under  My Claims
  • Go to and click Log in
  •  Select Health and Dental from the drop-down menu and log in
  •  After you have logged in, click My Claims

All questions regarding coverage, enrolment, and claims should be directed to OTIP at 1-866-783-6847. Questions about this notice can be directed to the ETFO ELHT Benefits Coordinator at .

Stay healthy and safe.
Suzanne Gill, Benefits Coordinator on behalf of the
ETFO ELHT Board of Trustees
Contact Us
Call: 416-962-3836 extension 3830
(Toll free 1-888-838-3836 extension 3830)
Claims, Coverage, Premium, and Enrolment Questions:
OTIP at 1-866-783-6847