Going on a leave?

November 25, 2021

Pregnant woman sitting with laptop

If you are going on a leave, here are things you need to know and do to update your ETFO Employee Life and Health Trust (ELHT) benefits.

Type of leave What it means to you
Statutory leaves
(e.g. maternity/paternal leave)
Your current benefits coverage and funding will be available to you based on the same arrangements as when you were actively at work. Pre-authorized debits will be required for any premium payments (if applicable).

Eligible long-term occasional (LTO) teachers will receive continued funding for the duration of their LTO assignment or the end of the statutory leave, whichever comes first.

Long term disability (LTD) If you are on an approved LTD claim, your current benefits coverage and funding will be available to you for the first 24 months based on the same arrangements you had while you were actively at work prior to the leave. If the approved LTD claim continues beyond 24 months, benefits may be continued on a 100% member-paid basis.

You may be eligible for a waiver of optional life insurance premium.

Non-statutory leaves
(e.g. unpaid full/part-time leave, deferred leave, unpaid sick leave, extended parental leave and personal leave)

 

While on an approved full-time unpaid non-statutory leave, you will be responsible for paying 100% of the monthly premiums for benefits that you wish to maintain during the leave (e.g. Health, Dental, Basic Life and Basic Accidental Death and Dismemberment (AD&D) coverage). Premiums for members on a part-time leave are pro-rated.

If you are responsible for some or all the benefit costs, you will receive a communication from OTIP to complete your benefit selections within 3-4 weeks of the start of your leave. Premium deductions will be retroactive to the first day of the leave if you select to maintain benefits. Pre-authorized debits will be required for premium payments.

 

Your benefit costs

If you are on an approved non-statutory full-time leave  If you are on an approved non-statutory part-time leave  
You pay 100% of your benefit costs during your leave.

Benefit costs include your Health, Dental, Basic Life*, Accidental Death and Dismemberment (AD&D)* and Optional Life coverage (if applicable).

*Basic Life and AD&D

Benefit costs will be based on your pre-leave salary/coverage.

For example:
Your salary = $100,000
Coverage = 1X salary
Therefore, benefit costs are based on $100,000.

 

Optional Life (Member, Spousal, Child)

·       100% member paid (i.e. active members and members on leave)

You pay the pro-rated benefit costs during your leave:

Health and Dental

  • If your FTE = 0.5, you pay 50% of the monthly benefit costs
  • If your FTE = 0.75, you pay 25% of the monthly benefit costs

Basic Life and AD&D
Benefit costs will be based on your pre-leave salary/coverage. (e.g. 1X salary)

Optional Life (Member, Spousal, Child)

  • 100% member paid (i.e. active members and members on leave)
 
Once OTIP is notified of the change in your employment status by your school board, AND you are required to pay for a portion or all your benefits costs, the following will occur:

  • On the first day of your leave, benefits coverage will be suspended. If your board does not report until after your leave begins, coverage will be suspended retroactive to the start date of the leave.
  • You will receive a communication to instruct you to update your benefits coverage during your leave. You will have 31 days, from the date of the communication, to complete your selections, or your coverage will remain suspended until you return to work.
  • When you make your benefit selections, your monthly costs (before taxes) will be displayed beside each benefit. There is also a window that displays the combined total monthly costs (including sales tax) that will update as you change your coverage selections. To help you complete your selections, visit otip.com/loginhelp for step-by-step instructions with pictures and tips.
  • If you are going on a full-time or part-time leave, your banking information is required to pay for your coverage. Once you have added this information, your benefits coverage will be reinstated retroactively to the beginning of your leave. This can take 3-5 business days before it is updated to your OTIP secure account. If eligible claims were declined while your coverage was suspended, you can contact OTIP Benefits Services at 1‑866‑783‑6847. OTIP will arrange for the claims to be resubmitted for assessment.
  • Premium deductions from your banking account will occur on the 10th (or the next business day) of each month. (NOTE: Your first deduction may include retroactive premiums, depending on the timing of when the leave information was received and processed.)

 

Important notes:

  • Depending on when your leave information is submitted by your board to OTIP, it may take up to 3-4 weeks to process the changes and for the communication to be sent to you.
  • You have the option to continue all or just some of your benefits during your leave. For example, you can continue Basic Life and Basic AD&D only, or just Health or Dental benefits. Exception: During a statutory leave or a part-time leave, Basic Life and AD&D are mandatory benefits and are funded by your ELHT benefits plan. As a result, these benefits cannot be suspended during your leave.
  • If you choose to suspend your benefits coverage during your leave, you will not be able to reinstate those suspended benefits until you return to work.
  • Before you go on leave, consider changing your preferred email addressto get the most up-to-date information about your benefits coverage and plan from the ETFO ELHT, OTIP and the insurer.

Returning to work

When you return to work, you will receive an email from OTIP within 3-4 weeks of you return. You will have 31 days from the date of that email to confirm your coverage without medical evidence.

NOTE: Your first deduction may include retroactive premiums, depending on when your work status information was received and processed.

Questions? Contact OTIP Benefits Services at 1-866-783-6847.

Questions?


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