ETFO ELHT Benefits Plan

The 2014 ETFO Central Agreements set out provisions for a new ETFO Employee Life and Health Trust (ELHT) Benefits Plan for Teachers (& Occasional Teachers and DECEs/ESPs/PSPs).

The Plan is being administered by Ontario Teachers Insurance Plan (OTIP) and is being phased in across locals in waves. The ETFO ELHT Benefits Plan begins April 1, 2017 for ETT members.

ETFO Benefits Plan Guide [PDF]

This document provides a general overview of the plan and coverage highlights.

ETFO ELHT Group Benefits Plan Booklet [requires login]

This booklet describes the benefits provided by the ETFO ELHT Benefits Plan in detail.

Employee Assistance Program

Members also have access to an Employee Assistance Program (EAP). This is a confidential counseling service, dealing with any number of issues, with offices throughout the GTA.

Contact Shepell-fgi: 1-800-268-5211

Additional OTIP Services


OTIP offers additional services for all ETT members and their dependants. There is no additional cost for any component of these exceptional services.

If you have any questions, or require additional information, please contact your Executive Officer.

Stress and other mental health issues continue to be leading factors within the OTIP claim block. With the recognition of higher than average stress levels within the education field, OTIP introduced the FeelingBetterNow® program in 2009. This program has been developed to ensure user confidentiality. No personal information is shared with OTIP, a member’s employer, co-worders, or union.

In the event a member is at risk for a common mental health disorder, the FeelingBetterNow® website will provide treatment guidelines and a care map for the member to take to his or her physician. Members do not need to be off work or on claim to access this resource.


Available since 2007, the CAREpath Cancer Assistance Program offers help in many forms to members and their immediate family (spouse and dependent children) when dealing with a cancer diagnosis. Significant medical advice and meaningful patient advocacy are the cornerstones of this valued program. Three distinct services are available:

CAREpath Navigation System

  •  Provices one-on-one telephone counselling, guidance and support from a personal oncology nurse, backed by an oncologist.

CAREpath Survivor Support

  •  Assists you and your immediate family members in leading a healthy, cancer-free life through a comprehensive risk assessment and prevention program.

Cancer Information Line

  •  Gives you access to cancer-related information for extended family members and friends who have been diagnosed with cancer.

This program is meant to complement (not replace) the health services provided by your doctors. To contact CAREpath services call 1-800-290-5106 or e-mail

Home and Property Insurance

As a member of Elementary Teachers of Toronto, you’re entitled to exclusive savings on home and property insurance from OTIP, with competitive rates and special discounts.

Click here to find out more.

Automobile Insurance

Get the protection you need and the value you deserve. Click here for exclusive group savings on auto insurance and save even more with OTIP’s special discounts.

Click here to find out more.

Retirement Insurance

OTIP offers health, dental and travel insurance for retirees. The Retired Teachers Insurance Plan (RTIP) offers the most flexible health, dental and travel insurance available to the retired education community. Simply choose the plan that best meets your needs.

OTIP Bursary Program

Who better to support the value of education than the organization that celebrates members of the education community? OTIP is very proud to offer opportunities to its insured members and their families.

Click here to find out more about the Bursary Program.

OTIP: FeelingBetterNow

Stress and other mental health issues continue to be leading factors within the OTIP claim block. With the recognition...... Read more

OTIP: FeelingBetterNow