Group Insurance Benefits Eligibility

You must be a member of RTO/ERO, permanently residing in Canada to be eligible to participate in our insurance plans.  The following charts outline who also may be eligible for coverage:

Time Limit to Enroll for the RTO/ERO Group Benefit Insurance Plans

You may enroll without medical evidence of insurability, provided we receive your application within 60 days of the termination of your most recent group insurance plan. Coverage for you, your spouse and your dependent children will begin on the date following the termination of your coverage under the following:

• Your school board plan;
• Your spouse’s group plan; or
• Any other group plan.

If you apply after the 60 day eligibility period, you will be considered a “late applicant” and will be required to submit medical evidence of insurability to participate in the Semi-Private Hospital, Extended Health Care and Supplemental Travel Plans. Under the Dental Plan, the maximum benefit payable during the first twelve months will be limited to $100 per insured person. The same requirement applies if you transfer from an individual policy.

For the purpose of the RTO/ERO Group Benefit Insurance Plans:

¹ A member is defined as a full or associate member in good standing of RTO/ERO.
² A spouse is defined as your legal or common-law spouse, or same-sex partner.
³ A dependent child is defined as unmarried children: under 21 years of age, or between ages 21 and 30 if in full-time attendance at a post-secondary institution, or any functionally impaired child who was insured as a dependent shall remain insured beyond any limiting age.

For the purpose of the RTO/ERO Individual Plans:

¹ A member is defined as a full or associate member in good standing of RTO/ERO.
² A spouse is defined as your legal or common-law spouse, or same-sex partner.
³ A child is defined as a child of any age.