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Your OSSTF Benefits Plan

Your OSSTF Benefits Plan was designed by learning what benefits matter the most to OSSTF members and designing one plan that fits best for all of us.

Eligible members can make claims during the benefits year for the period of time they are an eligible member. Go to OTIP’s secure member website to make a claim once you are enrolled.

Here’s a snapshot of the benefits you receive (6MB PDF) as an eligible OSSTF member. For a full breakdown of benefits, go to OTIP’s secure member website.

It’s important you also know the breakdown of your member contributions. View the Member Share Illustration (173kB PDF).


Who is eligible and important information for new hires and new leaves

Retirees: Eligible retirees will be eligible to participate in the OSSTF Benefits Plan if they are were covered in a board-owned retiree plan at the transition date for active members of their bargaining unit into the OSSTF Benefits Plan and still have coverage in a board-owned retiree plan.

The transition of the coverage for eligible retirees into the OSSTF Benefits Plan is being worked on. All involved parties are evaluating current arrangements in board plans and details will be shared once further information is available.

How do I submit a claim?

Claims can be submitted by:

Appealing a Claim

OSSTF Benefits has worked closely with OTIP to design a made for OSSTF members Benefit plan. The plan provides comprehensive coverage provisions, however, there may be occasions when a claim is partially or wholly denied and you may be unclear, or may disagree, with the reason for the claim denial. To cover these types of situations, an appeal process is built into the OSSTF Benefit plan where you may appeal a claim denial by following the process outlined below:

Step 1 – Clarification and Further Information

OSSTF Benefits encourages members to review the Benefits Booklet for clarification of the provisions of the OSSTF ELHT Benefits Program.  The booklet is posted under My Benefits for your access.  You can also call into OTIP Benefit Services at 1 866 783 6847 to discuss your claim with an OTIP Benefits Services representative who can assist you in understanding the OSSTF Benefits Plan and why certain benefits may not be covered and/or explain additional information that may be needed to have the claim further reviewed.

If this does not answer your questions or you still disagree with the handling of the claim, you should request that your concerns are escalated to an OTIP Benefits Services Technical Specialist who will investigate the claim, review the plan design, and consult with senior technical staff, the insurance carrier and underwriting as needed, to ensure that the claim is processed correctly.

If these actions do not resolve your concern, you may officially file an appeal.

Step 2 – OTIP Appeal Process

  • Appeal requests must be submitted in writing and must outline the reason(s) you believe the claim should be paid. Appeals can be sent:
    • By email to
    • By fax to 1 866 404 6847
    • By mail to:
      OTIP Health & Dental Appeal Committee, 25 Northfield Dr. W., PO Box 218, Waterloo ON  N2J 3Z9.
  • The appeal will be reviewed by the OTIP Appeal Committee, who has the authority to approve claims on a one time, without prejudice basis up to a limit of $5,000 per claim.
  • If you are not satisfied with the decision of the OTIP Appeal Committee, you may ask to move the appeal to the OSSTF ELHT Appeal Committee for their review and decision.

Step 3 – OSSTF ELHT Appeals Committee

  • The OTIP Appeals Committee will present the details of your appeal on a confidential anonymous basis to the OSSTF ELHT Appeals Committee for their review and decision. The OSSTF ELHT Appeals Committee may approve the appeal on a one time, without prejudice basis, maintain the denial or it can refer the appeal to the OSSTF ELHT Board for a final decision. The OSSTF ELHT Appeals Committee/Board is the final authority of the Appeal Process.
  • The OSSTF ELHT Appeals Committee will report the decision on an appeal to OTIP and the OTIP Benefits Services Department will communicate the appeal outcome to you.

Note: Appeals must be in writing, the claim must be a minimum value of $150 and the appeal must be initiated within 90 days of the initial claim decision date for health or dental and within one year of the claim decision date of a life claim. In exceptional cases, the OSSTF ELHT can, in its sole discretion, extend the deadline for the initiation of an Appeal. Such extensions will only be granted where satisfactory reasons exist for the delay (such as medical incapacity) and where no prejudice will result to the OSSTF ELHT by granting the extension. Such extensions will be communicated to all relevant parties, and the decision of the OSSTF ELHT on any extension shall be final.

OSSTF Benefits Website Disclaimer

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.