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Benefits (OTIP)

Benefits for contract teachers are provided by Ontario Teachers Insurance Plan (OTIP).  LTO teachers are eligible for benefits if your LTO is for 90 days or longer.  Check out this Benefits-at-a-Glance document for a quick reference to your benefit plan.

OT's are eligible for a reduced cost plan, different from the contract teacher/LTO plan through OTIP if they work at least 80 days in the school year. 

For specific coverage questions, you can contact OTIP at: 1-866-783-6847 

Effective February 1, 2024, direct billing of plan member contributions (rather than payroll deduction for active plan members) for all remaining and newly eligible OSSTF members will be implemented. Further detailed general information will be communicated to all from OSSTF Benefits prior to this transition, and detailed requests will be sent by OTIP to affected plan members to obtain the PAD authorization prior to the February 1, 2024 transition date.

Please read this letter from OTIP about this change or contact OTIP directly for more information.

Benefits At a Glance

This document is an overview of the OSSTF members benefit plan.  If you have specific questions pertaining to details of the plan, it is best to connect with the plan sponsor directly. 

OTIP at 1-866-783-6847

OTIP website:

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Benefit Employee Contribution Rates

While our employer, the board, contributes to our benefit plan, each member is responsible for a portion of the cost.  The amount per member varies on the type of plan (family or individual) and your Full-Time Equivalency (FTE).  Part time teachers have to pay more as the employer only pays the portion based on the part time teachers FTE.  

Benefits and Leaves

Benefits while on:

  • Short-Term Disability leave will continue as normal as you continue to be paid by the board.

  • Long-Term Disability leave will continue.  Member contributions are covered for the member.

  • Deferred Salary Plan (DSP) leave can be purchased by the member for 100% of the cost.

  • Unpaid leave can be purchased by the member for 100% of the cost.

Retirement Benefits

If you are retiring, benefits are available through RTIP.  The provider is the same as our OTIP benefits.

Check out this document for more information on retirement benefits through RTIP.

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