News and Updates

Going on a leave or FTE status reduced to 0.3 or less?

If you are going on a leave or your full-time equivalent (FTE) status has been reduced to 0.3 or less, here are things you need to know and do to update your benefits.

Type of leave

What it means to you

Statutory leaves
(e.g. maternity/paternal leave)

Your benefits coverage will be funded in the same way as it was when you were working, in the time immediately before you started your leave.

Long term disability (LTD)

If you are on an approved LTD claim, your current benefits coverage and funding available to you during your leave will be based on the rules of your benefits plan.
You may be eligible for a waiver of life insurance premium.

Other leaves
(e.g. unpaid full/part-time leave, deferred leave)

Your funding arrangements with your Employee Life and Health Trust (ELHT) may differ and you may need to pay a portion or all of your benefit premiums.
If you are responsible for some or all the premium costs, you will receive a communication from OTIP to complete your benefit selections.

Your FTE has been reduced to 0.3 or less

Your benefit premium costs

If you are on a full-time leave 

If you are on a part-time leave

If your FTE status has been reduced to 0.3 or less

You pay 100% of your benefit premium costs during your leave.
Benefit premium costs include your health, dental, Basic life*, accidental death and dismemberment (AD&D)* and optional life coverage (if applicable).
*Premiums will be based on your pre-leave salary/coverage.

For example:
Your salary = $100,000
Coverage = 3X salary
Therefore, premiums are based on $300,000.

You pay for:
Health and dental

  • If your FTE = 0.667, you pay 33%

  • If your FTE = 0.333, you pay 67% 

Basic Life and AD&D
Premiums will be based on your pre-leave salary/coverage. (E.g. 3X salary) 
Optional life (Member, Spousal, Child)

  • 100%

You pay:
Health and dental = 70% (or more)

E.g. Your FTE = 0.2, you pay 80% of the benefits costs.
Basic Life and AD&D = 0%
Optional Life (Member, Spousal, Child) = 100%

Once OTIP is notified of the change in your employment status by your employer/school board, AND you are paying for a portion or all your benefits premiums costs, the following will occur:

  • On the first day of your leave, benefits coverage will be suspended.

  • You will receive a communication to update your benefits coverage during your leave by completing a Leave Selection – FTE Reduction event. You will have 31 days to complete your selections, or your coverage will remain suspended until you return to work.

  • As you make your benefit selections through your Leave Selection – FTE Reduction event, your monthly costs (before taxes) will be displayed beside each benefit. There is also a window that displays the combined total monthly costs (including sales tax) that will update as you change your coverage selections.

  • If you are going on a full-time leave or your FTE is 0.3 or less, your banking information is required to pay premiums for your coverage. Once you have added this information, your benefits coverage will be reinstated retroactively to the date immediately before you started your leave or before your FTE was reduced to 0.3 or less. This can take 3-5 business days before it is updated to your OTIP secure account. If eligible claims were declined while your coverage was suspended, you can contact OTIP Benefits Services at 1-866-783-6847. OTIP will arrange for the claims to be resubmitted for assessment.

  • Premium payments are pre-authorized debits from your chequing/savings account and will occur on the 10th of each month. (NOTE: Your first deduction may include retroactive premiums, depending on the timing of when the leave information was received and processed.)

Important notes:

  • Depending on when your leave/FTE reduction information is submitted to OTIP, it may take up to three weeks to process the changes.

  • You have the option to continue all or just some of your benefits. (E.g. You can continue Basic Life and AD&D only, or just health or dental benefits.) (Exception: If Basic Life and AD&D are mandatory benefits and funded by your ELHT benefits plan, then these benefits cannot be suspended during your leave or if your FTE is reduced to 0.3 or less.)

  • If you choose to stop your benefits coverage during your leave, you will be able to reinstate it when you return to work.

  • When you return to work or when your FTE increases to more than 0.3, you will get an email from OTIP to complete your Leave Return – FTE Increase-Coverage Update Option event. You will have 31 days to confirm your coverage without medical evidence. (NOTE: Your first deduction may include retroactive premiums, depending on when your work status information was received and processed. You will see these deductions in your payroll.)

Before you go on leave, consider changing your preferred email address to get the most up-to-date information about your benefits coverage and plan from your ELHT, OTIP and the insurer.

Related links:
Paying for your benefits: What you need to know
Life events and your benefits coverage
Avoid being a late entrant

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