We know that many individuals and families have felt the stress of uncertainty as communities and organizations across the country work together to contain the spread of COVID-19. We have seen a lot of changes and have had to adapt to unusual circumstances. Together with your ETFO Employee Life and Health Trust (ELHT), OTIP has […]

If your employment is ending or you’re retiring, you may be eligible to convert group life insurance to an individual policy. Termination of employment or retirement seldom means that you need less life insurance. When your employment ends, or when you retire or reach the group benefits plan age limit, your group life insurance will […]

Connecting with other people and our communities is good for our mental health. Over the past few years, our social landscape has changed considerably, often shifting our focus from in-person connections to online connections. The COVID-19 pandemic has placed an emphasis on social distancing, forcing our connections to exist solely in a digital space. While […]

Beginning on January 1, 2020, the ETFO Employee Life and Health Trust (ELHT) and OTIP launched the new OTIP Drug Prior Authorization Program for plan members. This new program is being used for all drug prescriptions requiring prior authorization. Members who were on a prior authorized drug prior to January 1, 2020, are not affected […]

By providing you with health and dental benefits, the ETFO Employee Life and Health Trust (ELHT) is working to take care of the health and wellness of you and your family. That is why it is a shared responsibility between you and the ETFO ELHT to protect your health and dental benefits from abuse, misuse, […]