ELHT PROVINCIAL BENEFITS: Extended Health/Dental/Life Insurance

The 2014 ETFO Central Agreements set out provisions for a new ETFO Employee Life and Health Trust (ELHT) Benefits Plan for Teachers/Occasional Teachers and DECEs/ESPs/PSPs. Click here for an overview of the new plan.

For detailed information about the coverage provide under the Provincial Benefit Plan, members can access the full Plan design on the ETFO CB Facebook group (under ‘Files’) or by logging onto ETFO’s EMS. Click here  to log in and then click on the CB tab.

Frequently Asked Questions:

The following Frequently Asked Questions (FAQs) highlight some of the questions that members have asked regarding the new ETFO ELHT Benefits Plan. Please note that these FAQs will be updated on a regular basis as required. Click here to access the FAQs.

If you require assistance or have specific questions relating to your Extended Health, Dental, or Life Insurance coverage, or the status of claims, you can contact OTIP Benefit Services directly at 1-866-783-6847.


The Elementary Teachers’ Federation of Ontario is the policyholder for its members’ LTD plan. OTIP is the recognized administrator for the plan and the insurance carrier is Manulife.

Effective November 1, 2013, our LTD plan is mandatory for members commencing employment. Premiums for the plan are taken through payroll deduction and will commence with your first paycheque of the school year.

Our LTD plan design is:

Policy Number:                   48079
Plan Number:                     901
Waiting Period:                  110 working days, or expiration of sick leave
Benefit Level:                     55% of monthly earnings
COLA:                                CPI to a maximum of 2%, starting after two years
Termination:                       Earliest of age 70 or the date the member is first entitled to at least a 62% unreduced service pension

ETFO Member’s Guide to Long Term Disability - Updated September 2016

This booklet consists of generic advice for members regarding the long term disability process.

Follow this link to the document ~ ETFO Member's Guide to LTD 


Frequently Asked Questions

On September 23, 2013, Teacher Local Presidents attended a training session regarding the ETFO Provincial LTD Plan. View the updated FAQ document which was created in response to questions received at that session. 

Follow this link to the document ~ LTD FAQ

Additional programs available through our policy include:

  • PosAction Plus ~ Up to 12 hours of face-to-face confidential counselling per year. Call 1-800-668-0193. 

  • CAREpath ~ Your Cancer Assistance Program. Helping you navigate the complex heath care system so you and your family members who are newly-diagnosed with cancer or have a cancer recurrence can receive the very best cancer-related treatment and support.

  • Feeling Better Now ~ a Web-based mental health care program designed to assist in the prevention, early diagnosis and ongoing management of common emotional and mental health issues

If you have questions relating to Long Term Disability and the additional programs offered through LTD, or generic questions about the ELHT Provincial Benefit Plan, please contact Nancy at the Federation office, (519) 753 9221, or via email to cao@geetf.ca