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.

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

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.

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)

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)

• 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 10^th (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.)