Whether you’re full-time or part-time, permanent or temporary, at work or on a leave, you may be required to pay for some or even all of your benefit premiums through payroll deduction or pre-authorized debit (PAD). First, let’s review the parties that have a role in the cost of your benefits plan and the administration […]

Don’t miss out on plan updates, claim notifications, the next issue of Your Benefits newsletter or any other important plan communication! By entering your personal email address in My Benefits and My Claims as the “preferred email address,” you will get the most up-to-date information from your Employee Life and Health Trust (ELHT), OTIP and […]

As we approach the end of the year, please be mindful of some service providers’ marketing campaigns to ‘use it or lose it’. These campaigns are designed to serve the providers who promote them; however, using benefits that are not medically necessary does not serve to protect the overall health of your plan. Benefits like […]

Myth: Brand-name drugs are safer and more effective than generic drugs. Fact: Generic drugs are as safe and effective as brand-name drugs. In fact, they are equivalent to the brand version in dosage, safety, strength, quality, the way they work and the way they’re taken. 1 Brand-name and generic drugs have one important thing in […]

Your benefits plan is designed to provide you and your family with financial protection for a variety of medical expenses, including prescription drugs. The Prior Authorization Program helps to manage drug costs while continuing to provide you with access to appropriate drug therapy. The program validates that the drug is prescribed for its intended use […]