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Our Governance

Our Mission Statement

The OSSTF ELHT promotes and supports the well-being of Plan members and their families by providing comprehensive and sustainable health and welfare benefits through excellence in governance and service.

OSSTF ELHT Board of Trustees

Who they are

Your OSSTF ELHT Board of Trustees consists of nine voting members, who are responsible for operating the OSSTF Benefits Plan and ensuring its financial sustainability. Five members of the Board of Trustees are appointed by OSSTF, two are appointed by the Ontario Public School Boards’ Association (OPSBA) and two by the Crown. Each Trustee has a minimum three-year term, which can be renewed twice, subject to a maximum tenure of nine years. Meet the current Board of Trustees here.

Our Governance-Structure Diagram
Employee Life
and Health
Plan Administrator/Consultant
  • Valued Partners
  • Insurer
  • School Boards (Employers)
  • Plan Administration System

What the OSSTF ELHT Trustees are responsible for

The OSSTF ELHT Trustees are responsible for the operations of the Trust including but not limited to:

  • Adoption of the initial benefit plan design, regular review of the plan and any amendments to the benefit plan;
  • Selection of auditors and actuaries and any other professionals required to allow the trustees to carry out their duties;
  • Validation of the plan design sustainability; and
  • Adhering to the Funding Policy including setting and revising Employee Contribution rates or premium requirements and deductibles with respect to the Investment Policy.

Trustees have fiduciary obligations which include duty of loyalty and of prudence. The duty of loyalty requires that the Trustee act solely and exclusively in the interest of the plan. At all times, the Trustee must act in good faith and not for their personal gain or profit. The Trustee has to act honestly and with the same degree of care, skill and prudence as a reasonable person would exercise in the management of the Trustee’s own affairs. The duty of prudence requires fiduciaries to make decisions on an informed basis, after conducting appropriate due diligence. While Trustees must apply the knowledge and skills that they possess, they may also retain specialized advice relevant to the decisions they must make. In order to comply with their fiduciary obligations, the Trustees must adopt policies, processes and procedures that outline how they will obtain and access relevant information and expertise that allows them to make reasoned and well-informed decisions for the Plan’s beneficiaries. At no time can Trustees delegate their responsibilities to third parties. Trustees are responsible for the choice of proper third parties and must adequately supervise them.

The OSSTF Employee Life and Health Trust Agreement (3MB PDF) outlines the roles and responsibilities related to the OSSTF ELHT.

The OSSTF ELHT Commitment to Privacy

OSSTF Benefits respects the privacy of its beneficiaries and continuously works to protect the confidentiality of its beneficiaries’ Personal Information.

Review our Privacy Policy here.

Questions and Complaints

If you have any questions or complaints regarding this Privacy Statement, about our collection, use or disclosure of Personal Information, or about accessing your Personal Information, please contact Donna Morrison, Executive Director by email at

Protecting the OSSTF ELHT from fraud

The OSSTF ELHT Board of Trustees is committed to protecting the OSSTF Benefits Trust’s reputation, revenue and assets from any attempts of fraud, abuse, or other improper conduct, by employees, Board members, stakeholders, health service professionals, contractors or OSSTF Benefits Plan members. Review our Fraud Policy here (109kB PDF).

Each year, the Trustees are required to prepare an Annual Report on the activities of the ELHT.

2020/21 Annual Report (5MB PDF)

2019/20 Annual Report (12MB PDF)

2018/19 Annual Report (3MB PDF)

2017/18 Annual Report (3MB PDF)

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.