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 health and/or dental benefits within 31 days of receiving the enrolment invite for a newly eligible position or within 31 days of an eligible life/work event, a new enrolment opportunity will not be available until there is an eligible new Life/Work event. In the absence of an eligible new life/work event, the member’s future application for participation in the health and/or dental benefits would be processed as a late applicant. As a late applicant dental coverage is subject to a maximum of $200 for the first 12 months of coverage and health care coverage would only be implemented if evidence of insurability (statement of health) for the member and their dependents is submitted and approved. If the member is declined health coverage, then none of their dependents would be eligible for coverage. If the member is approved for health coverage, then coverage for them and any approved dependents would be implemented on the date of approval.

Note: These “late applicant” rules also apply to eligible dependents 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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