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Paying for your benefits: What you need to know

Depending on your Employee Life and Health Trust benefits plan, whether you’re full time or part time, permanent or temporary, at work or on a leave, you may be required to pay for some or even all your benefit premiums through payroll deduction or pre-authorized debit (PAD).
First, let’s review the parties that have a role in the cost of your benefits plan and the administration of your benefit premiums.



Role and responsibilities    

Role regarding your benefit costs

Your plan sponsor:
Employee Life and Health Trust (ELHT) Board of Trustees

Manages and governs the ELHT benefits plan.
The trustees manage the ELHT benefits plan in the best interests of members, and make plan design, funding, administrative and investment decisions on their behalf.

Administers the funding for the benefits plan and determines the portion of the benefit costs that is paid by the ELHT and/or you.

You can contact your ELHT or OTIP Benefits Services at 1-866-783-6847 for information on your funding arrangements or eligibility.

Your plan administrator:


Administers your benefits plan.

OTIP can help members with questions about enrolment, eligibility, benefits, costs/premiums, and claims for life, health and dental care.
OTIP also manages and processes life and/or Accidental Death and Dismemberment insurance claims, and waiver of life insurance premiums on behalf of the insurer.

Works with your employer to administer and collect your benefit premiums on behalf of your ELHT.
OTIP also issues applicable tax slips to members for their taxable benefits.

Your employer:

School board

Manages members’ employment status and personal information.

Your employer is responsible for keeping your employment record and your personal information up to date and providing it to OTIP (i.e. your name, date of birth, mailing address, FTE/hours worked, work status, etc.).

Provides members’ employment information to OTIP. Using this information, OTIP can determine eligibility, enrolment, and benefit costs.
OTIP calculates what you are responsible for paying for your benefits based on the employment information provided by your employer and then provides this information back to your employer to administer via payroll.
If you work more than a 0.3 FTE, then any benefit premiums, you are responsible for paying, are deducted from your pay by your employer.
For example, if you work a 0.7 FTE and are responsible for 30% of your benefit premiums, the employer will deduct this monthly amount from your pay based on their payroll schedule.

Claim payer/insurers:
Teachers Life

Manulife underwrites and issues life insurance policies, and pays health and dental claims on behalf of the ELHT.

Teachers Life is the insurer of the Accidental Death and Dismemberment benefit.



Reviewing your benefits coverage and costs

You can review your benefits information and monthly benefit costs/premiums online.

Follow these steps: How do I review my benefits costs and coverages?

Paying by pre-authorized debit (dependent on the funding arrangement of your ELHT or situation)

  • All members on a leave or who work 0.3 FTE or less are required to pay for their benefits via pre-authorized debit, administered by OTIP.

  • Pre-authorized debits occur on the 10th of every month.

Reasons your benefit costs may have changed

Your benefit costs are subject to change due to factors like your employment status, salary changes, plan renewals and amendments. If a change occurs in your benefits, your monthly premiums will be updated.

New to enrolling in your benefits plan?
Members enrolling in their benefits plan and who are responsible for benefit costs will see a deduction on their next month’s pay or bank account that consists of:

  • The premium for the current month AND
  • Any outstanding monthly premiums (backdated to your eligibility date)

 E.g. Jean-Pierre started an eligible permanent position on September 4. His monthly premium is $50. Therefore, his total premium deduction in October will be $100.

OTIP Benefits Services is here to help

If you have any questions regarding your monthly benefit costs and/or premiums, please contact OTIP Benefits Services at 1-866-783-6847.

Need help?
How can we help?