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Making sure your family has coverage

March 6, 2020

Your family members, also known as dependants, include your spouse* and/or child(ren)** who may be eligible for benefits coverage under the OSSTF ELHT Benefits Plan.

You must have life, health and/or dental coverage for yourself, in order for your family members to be eligible for coverage. They become eligible on the day you become eligible, or the day they become eligible for coverage (e.g. marriage, birth/adoption of a child, etc.).

If you are adding a new family member for life, health and/or dental coverage:

You have 31 days from the corresponding event (e.g. wedding day, day child is born or adopted, date spouse loses coverage) to add your spouse or child to the OSSTF ELHT Benefits Plan.

To add Child Optional Life, you must do this within 31 days of the birth or adoption of your child. This benefit cannot be added after the 31 days, even with proof of good health (evidence of insurability).

If you add your spouse or child 31 days after the event, they are considered a late entrant.

  • If you have Single coverage, proof of good health will be required for your spouse or child. Based on medical evidence, their coverage may be denied. If coverage is approved, the new family member is covered as of the date coverage was approved (NOT the life event date). For dental coverage, late entrants are subject to a $200 maximum during their first 12 months of coverage.
  • If you have Family coverage, proof of good health is not required for your spouse or child. They will have access to their benefits coverage as soon as you add them. Also, their dental coverage is not subject to the $200 maximum during the first 12 months.

If you are actively at work, you can add Spousal Optional Life at any time. Proof of good health will be required.

Eligible dependants

Let’s look more closely at each family member or dependant.

As per your benefits booklet, here is the definition of a Dependant:

Definition of a Dependant:(Scroll bar at bottom of table.)
Dependant Description
Spouse* Your legal spouse, or a person continuously living with you in a role like that of a marriage partner for at least 12 months.
Child**
  • a newborn child from the moment of birth
  • your natural or adopted child, stepchild or foster child, who is:
    • unmarried
    • under age 21, OR under age 25 if a full-time student at an accredited school, college, university, or educational institution
    • not working full-time basis, and
    • not eligible for coverage as a member under the OSSTF ELHT Benefits Plan or any other employee group benefits plan

NOTE: A stepchild must be living with you to be eligible.

Each year, OTIP will send you a notice to confirm your overage child’s eligibility to maintain their coverage under your plan.

If you have a disabled child:

A child, who is incapacitated or disabled on the date he or she reaches the maximum age (21 or 25) when coverage would normally end, will continue to be eligible for coverage. However, the child must have been covered under the OSSTF ELHT Benefits Plan before that date.

OTIP may request written proof of the child’s condition as often as reasonably necessary.

A child is considered incapacitated if he or she is incapable of engaging in any substantially gainful activity and is dependent on the member for support, maintenance and care, due to a mental or physical disability.


If you have questions about qualifying life events that make your dependants eligible for coverage, or how to make changes to your benefits coverage, please contact OTIP Benefits Services at 1‑866‑783‑6847.

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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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The information contained in this website is for general information purposes only. The information is provided by OSSTF Benefits and while we endeavour to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk. All information on this website is subject to change without notice.