What if I want to make a change to my coverage that does not coincide with a Life/Work event?

May 1, 2024

As Basic Life Insurance and Accidental Death and Dismemberment coverage is mandatory for all eligible members this coverage is automatically in place effective the date of member eligibility once OTIP receives the HRIS data from the employer.

As participation in the health and dental benefits is voluntary, if a member does not elect to participate in the plan within 31 days of receiving their initial invite but wishes to join the plan at a later date without a Life/Work event taking place, they will be considered a late applicant. This means that dental benefits will be subject to a $200 maximum in the first 12 months of coverage, and that Extended Health Care benefit would have to be applied for with evidence of insurability. The Health Care coverage will not be in place until the evidence of insurability is approved, and the coverage could be denied.

Note: These “late applicant” rules also apply to eligible dependants if application is not made within 31 days of initial eligibility or an eligible Life/Work event.

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The information in this document is provided by OSSTF Benefits for general information only. OSSTF Benefits endeavours to have all information current and accurate. We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the information included. All information is subject to change without notice.

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