Co-ordination of benefits

December 3, 2018

In families with two working adults, it is common to have access to more than one health plan. There may be some overlap in the types of benefits and/or services they cover.

Co-ordination of benefits is how insurance companies co-ordinate benefits and claim payments when you have coverage under more than one group health plan. This procedure, set out by the Canadian Life and Health Insurance Association (CLHIA), establishes which plan pays first and how benefits are calculated when a person makes a claim to more than one group plan, either as a member or as a dependant (spouse or child).

How does co-ordination of benefits help you and your plan?

By co-ordinating your plans together:

• You can get up to 100% of your money back on your health and dental costs.
• Your plan can share the expense with the other insurance plan which will have a positive impact on the long-term sustainability of the OSSTF Benefits Plan.

Ready to co-ordinate your benefits plans?

For more information on co-ordination of benefits, you can check out:

• How it works (Part 1)
• Setting it up in My Benefits (Part 2) and My Claims (Part 3)

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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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