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Occasional Employees Insurance


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Customized Coverage

OTIP offers plans to all members of the education community, including those who are not full-time.

Were you invited to join the OTIP Occasional and Casual Members (OCM) Benefits Plan? If so, get more information.


Life Insurance


Life insurance benefits range from $10,000 to $40,000 depending on your level of eligibility and include an equal amount of Accidental Death and Dismemberment (AD&D) insurance. For additional coverage, consider one of our Personal Life Insurance solutions.


Long Term Disability


If a long term disability (LTD) prevents you from carrying out your regular occupation, LTD benefits will replace some of your regular income.

Two plans to choose from: Plan A pays benefits up to two years, Plan B up to three years. There is a 17-week waiting period under both plans, and benefits are not paid out during July and August.

Free benefits include access to:

  • CAREpath — support for families dealing with cancer
  • FeelingBetterNow® — assistance with emotional and mental health issues

Extended Healthcare


Extended healthcare coverage includes:

  • Prescription drugs – 80% reimbursement; dispensing fee cap of $8.50 per prescription, generic substitution unless specified otherwise by a physician, drug maximum of $1,500 per person per 12 consecutive months
  • Vision care – 100% reimbursement; $250 per person per 36 consecutive months
  • Paramedical services – 80% reimbursement; $500 combined maximum per 12 consecutive months for clinical psychologist, marriage and family therapists, speech therapist, chiropractor, physiotherapist, athletic and massage therapists; massage therapy, maximum 10 visits per 12 consecutive months
  • Hospital services – 100% semi-private room reimbursement; 80% ambulance services reimbursement; 80% private nursing reimbursement (up to $25,000 per 12 consecutive months)
  • Hearing aids – 80% reimbursement; $500 per person per 60 months
  • Deluxe travel – 100% physician and hospital services and travel assistance services reimbursement; maximum duration of 60 days per trip

Dental Care


Dental care coverage includes:

  • Basic and preventative procedures — 100% reimbursement (based on current year ODA fee guide)
  • Periodontal and endodontic services — 80% reimbursement
  • $1,000 overall maximum per covered person per 12 consecutive months

Plan rates

Occasional Education Employee Plan Rates
Effective September 1, 2022 - August 31, 2023

To apply for coverage, please contact the OTIP Life and Living Benefits sales department.

Levels of Protection

Level Number of days worked last year (if any) or, if less than 10 days, the number of days contracted for the current school year Monthly LTD Benefit Monthly LTD Benefit Life amount with equivalent AD&D
    Plan A - 2 years Plan B - 3 years  
Level 1 10 to 39 days $400 $400 $10,000
Level 2 40 to 79 days $600 $600 $20,000
Level 3 80 to 119 days $900 $900 $30,000
Level 4 120 days or more $1,200 $1,200 $40,000

Extended Health Care and Dental /Monthly Premium*

  Single Couple Family
Extended Health Care $147.46 $369.40 $369.40
Dental $74.73 $186.83 $186.83
Extended Health and Dental $222.49 $556.23 $556.23

Life and Long Term Disability /Monthly Premium*

* Premiums do not include 8% PST.

Who is eligible?

As an education employee, you can apply for coverage if you:

  • were contracted for a minimum of 10 working days during the previous school year; OR
  • were contracted for, or completed, a minimum of 10 working days during the current school year.
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