ETFO Provincial Long Term Disability (LTD) Plan Changes and New Coverage Termination Provisions

Please be advised that the following text was amended on March 8, 2018.

ETT members are advised that effective March 1, 2018, the ETFO Provincial LTD plan has been amended.

As a result of changes to the termination of coverage/benefits provision some members will no longer be eligible to be covered under the plan. There are two possible conditions that result in eligibility for termination: unreduced service pension and age. The eligibility requirements for both scenarios are detailed below.

Please see the following memo and revised Request for LTD Coverage Termination form to determine if you should exit the plan, and, if so, the process to exit.

Any requests to exit the plan received by OTIP during the month of March 2018 will be considered back to March 1, 2018, if applicable. After March 2018, the process will revert to normal for ongoing requests.

The new plan provisions will only apply to members who go off work due to illness or injury on or after March 1, 2018. Anyone off work for such a situation prior to this date, who then goes on to make a claim for LTD will be governed by the LTD plan provisions prior to the changes implemented March 1, 2018. As such, members in this situation should not exit the LTD plan until they actively return to work.

As of the effective date, members who meet ONE of the following scenarios are no longer eligible for coverage under the ETFO Provincial LTD plan:

Scenario 1

Eligible for 60% unreduced service pension

You are eligible for a 60% unreduced service pension now.

OR

You are eligible for a 60% unreduced service pension within the later of either the next 110 working days or the expiration of your sick leave to a maximum of 24 months.

Scenario 2

Age 65

You have reached the end of the month in which you turned age 65.

OR

You will reach the end of the month in which you turned age 65 within the later of either the next 110 working days or the expiration of your sick leave to a maximum of 24 months.

How to complete the Application for Long Term Disability (LTD) Coverage Termination

If you meet one of the above scenarios you can apply to terminate your LTD benefits and discontinue your premium deductions. Please complete and submit an Application for Long Term Disability Coverage Termination, including the supporting documentation required in order to process your request.

To ensure LTD premium deductions are discontinued by a desired date, please submit your completed form with the necessary documentation at least two months prior to the desired cancellation date to ensure the board stops deducting LTD premiums on time.

Return Instructions

Please return your completed Application for Coverage Termination and required documentation to:

Jodie Campbell, Service Consultant, OTIP
Email:  jcampbell@otip.com
Fax: 1-866-342-2134

Questions

Please direct any questions regarding the termination of your LTD benefits to:

Jodie Campbell, Service Consultant, OTIP
Email: jcampbell@otip.com
Phone: 1-877-260-3892 Ext. 2605

Since your LTD benefits plan is sponsored by ETFO Provincial, please direct any LTD benefits questions to your OTIP contact.

NOTE: Requests for refunds for premium deductions based on the new ETFO Provincial LTD plan amendments for periods prior to March 1, 2018 will not be accepted and/or processed.

What is an unreduced pension?

Your retirement pension is calculated without a reduction (penalty).

To qualify for an unreduced pension under the Ontario Teachers’ Pension Plan, you must have the “85 factor”
(age + qualifying service = 85).

To qualify for a 60% unreduced pension, you must have 30 years of credited service and meet the above “unreduced pension” criteria for your pension plan.