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For Retirees

Health, dental and travel insurance for retirees

Retired Teachers Insurance Plan (RTIP) offers the most flexible health, dental and travel insurance to all members of the retired education community including educators, administrative and support staff.

Quick Links

RTIP member login

Download RTIP Plan Guide

Apply for a plan online

Retirement workshops and webinars

RTIP Gold 750

$750 prescription drug coverage 80% reimbursement
vision care $300/person every 2 years 100% reimbursement
Monthly premium:
Single: $91.37
Couple: $174.12
Family: $209.42

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RTIP Gold 2500

$2,500 prescription drug coverage; 80% reimbursement
vision care $300/person every 2 years; 100% reimbursement
unlimited semi-private hospital accommodation; 80% coinsurance
Monthly premium:
Single: $124.84
Couple: $238.67
Family: $289.32

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RTIP Plus 4000

$4,000 prescription drug coverage; 85% reimbursement
vision care $375/person every 2 years; 80% reimbursement
unlimited semi-private hospital accommodation; 100% coinsurance
Monthly premium:
Single: $151.12
Couple: $297.17
Family: $352.77

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Introducing RTIP Easy Enrol

A faster and easier way to transition to retiree health, dental and travel coverage.

Apply for a plan online!

To find out which plan is right for you, please call 1-800-267-6847, Monday to Friday, 8 a.m. to 5 p.m.

Already an RTIP member? If you have questions about your coverage and/or claims, please call the RTIP Contact Centre at 1-833-318-2811, Monday to Friday, 8:30 a.m. to 8:30 p.m. (ET).

Why Choose RTIP?

Value-added benefits
All RTIP health plans include access to Carepath Digital Health Cancer Care and Elder Care programs, Starling Minds, and the EdvantagePerks savings program.

Comprehensive travel insurance always included
Every RTIP health plan provides coverage for trips up to 100 consecutive days per trip. LEARN MORE.

Fast, easy claims processing
Submit your claims online and your reimbursement will be deposited directly into your bank account.

No age restrictions and no membership fees.
Three health care plans to choose from, with three different prescription drug maximums.
Paramedical services – 80% reimbursement of eligible charges up to a combined maximum of $1,350 per person per calendar year.
Freedom to increase or decrease your coverage at your next renewal.*
Option to add dental coverage at any time, without penalty.
Exclusive home and auto insurance discounts from OTIP, including the Retiree Extra Package, providing additional coverage and benefits for the retired education community.

* You may increase only one level at a time and decrease two levels at a time. Once you decrease your health coverage, you must wait two years before you are able to increase your coverage again.

Who is eligible?

All retired Ontario education employees, their families and survivors
No age restriction
No membership fees
You must reside in Ontario and be covered under OHIP at time of application

What retirement stage are you at? Please select one to view your plan eligibility.

You have set your retirement date

You have retired within the last 60 days

You are already retired and want to switch from a different group plan ending within 60 days

You have not been covered by a group plan in the last 60 days

You are still working or are semi-retired

Have a dependant?
Members’ unmarried, unemployed children under the age of 21 (under 31 if attending school full-time) are eligible for dependant coverage under an RTIP plan. There is no age limit for unmarried, dependant children who are incapable of self-sustaining support due to mental or physical disability that occurred prior to age 21. Keep in mind that any two family members can qualify for couple coverage.

Cancelling your plan
If you decide to cancel your coverage after 12 months, you must wait 24 months before you can apply for RTIP coverage again.