March 6, 2020
Your family members, also known as dependants, include your
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.).
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 are actively at work, you can add Spousal Optional Life at any time. Proof of good health will be required.
Let’s look more closely at each family member or dependant.
As per your benefits booklet, here is the definition of a Dependant:
|Your legal spouse, or a person continuously living with you in a role like that of a marriage partner for at least 12 months.|
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.
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.
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.
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.