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ETFO Provincial LTD Plan

Frequently Asked Questions

The ETFO Provincial Long Term Disability Plan was amended with changes to take place effective March, 1 2018. The following FAQ provides information and guidance regarding the amendments: LTD FAQ -_February_2018 | LTD FAQ -_February_2018.

Terminating your LTD coverage

You are not eligible for LTD coverage and, therefore, no longer required to make LTD premium payments when you are entitled to at least 60% unreduced service pension. Your LTD insurance coverage terminates on the earliest of the following dates:

  • When you are first entitled to at least 60% unreduced service pension from the Ontario Teachers’ Pension Plan (OTPP)
  • When you reach the end of the month in which you turn age 65

The LTD waiting period is 110 working days. Therefore, your LTD coverage will be terminated 110 working days prior to the date that applies above.

Please follow these steps to determine when you are no longer eligible for LTD insurance:

  1. Sign in to the Ontario Teachers’ Pension Plan (OTPP) website at
  2. Review your service record statement for the following: 
    • Credit Years = 30 or greater
    • Qualifying Factor = 85 or greater
  3. If your credit years and qualifying factor meet the above criteria, print a copy of your service record statement and provide it to your local leader to start the process of terminating your LTD coverage with OTIP.

If you have any questions, please contact your local.