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ETFO Employee Life and Health Trust (ELHT) Benefits Plan


ETFO Employee Life & Health Trust - logo

The 2014 ETFO Central Agreements set out provisions for a new ETFO Employee Life and Health Trust (ELHT) Benefits Plan for eligible Teachers/Occasional Teachers and DECEs/ESPs/PSPs. The Plan was phased in across locals in waves. Members of our locals transitioned into the new plan on November 1, 2016, February 1, 2017, April 1, 2017, and June 1, 2017. It is anticipated that eligible retirees will be transferred into the ETFO ELHT in 2018.

The ETFO ELHT is governed by the ETFO ELHT Board of Trustees and is administered by OTIP. It is anticipated that eligible retirees will receive their OTIP enrolment package approximately three to four weeks prior to their transition date. Newly hired eligible permanent members and eligible LTOs will receive enrolment information and notifications from OTIP sent to their board email.

Who is eligible to participate in the ETFO Benefits Plan under the ETFO ELHT?

  • ETFO Teachers, ESPs, PSPs, and DECEs in permanent positions;
  • Long Term Occasional Teachers holding a position of 90 consecutive calendar days or longer;
  • Retirees that enroled in board-owned retiree plans prior to August 31, 2013 and still hold those benefits on the date that their local transitions into the new ETFO ELHT will be able to participate based on prior arrangements with the board;
  • Retirees that enrolled in board-owned retiree plans after August 31, 2013 and still hold those benefits on the date that their local transitions into the new ETFO ELHT will be able to participate based on 100% retiree paid premiums in a segregated experience pool.

What should you do if you are a newly eligible member and do not receive your OTIP enrolment information?

You will receive an invitation to enrol, sent to your board email address. If you do not receive this information within three weeks of your eligibility date, please contact OTIP at 1-866-783-6847 or email Newly eligible members have 31 days from their eligibility date to enroll.

Getting information about your plan and benefits​​

  • Check out the Frequently Asked Questions to find answers;
  • If your call is of a general nature, contact ETFO at 416-962-3836, toll free 1-888-838-3836 or;
  • Once you have received your enrolment information from OTIP, follow the instructions contained in the online tutorial ( to complete your benefits enrolment.
  • If you require assistance or have questions you can contact OTIP directly at 1-866-783-6847. OTIP's hours are: Monday to Friday from 8:00 a.m. to 7:00 p.m. To avoid lengthy wait times we recommend you call later in the week as call volumes are busiest Monday and Tuesday.

All participants have access to the full benefits plan booklet on the secure OTIP portal upon enrolment. Those members not participating in the plan can access the Plan design on the ETFO CB Facebook group (under ‘Files’) or by logging onto ETFO’s EMS and clicking on the CB tab.

Reminder: Previous Board Plan Claims Deadline

Previous board plans have a deadline for submitting claims after termination. 30-90 days is common but the specific timeline for each plan may vary. Members should have been notified by their board or their previous carrier of the deadline to submit their claims incurred prior to their transition date. Online claims portals for the previous plans are no longer active, so members would have been required to send claims to their previous carrier by mail. For example, if you transitioned into the ETFO ELHT plan on June 1 and your previous plan had a 90-day time limit, claims will need to be received by the carrier before midnight on August 30, 2017.