Insured Benefits

What you need to know

In November 2016, the Government of Ontario announced changes to its post-retirement insured benefits (PRB) provided to eligible retirees of the OPSEU Pension Plan.  The changes that came into effect on January 1, 2017 include the introduction of a 50/50 cost sharing model for the existing PRB plan (the Legacy Plan) and a new alternative PRB plan (the Retiree-Focused Plan), valued at half the cost of the Legacy Plan.  These changes will impact eligible members who retire and start their pension on or after January 1, 2017, but will not affect eligible retirees who started receiving their pension before that date.

  • until 2017, with 10 or more years of credit, you, your spouse and dependent children qualify for insured benefits which include coverage for :
    • dental
    • supplementary health and hospital
    • vision care and hearing aid plan
    • basic life insurance
  • if you start your pension after January 1, 2017, eligibility criteria change and you will be required to pay 50% of the premium costs
  • Government of Ontario pays the full premium for eligible members who retire before January 1, 2017 (retiring after 2017)
    • insured benefits are a taxable expense
    • insured benefits are provided through the government of Ontario, not OPTrust
Submitting claims

If you have any difficulty with your claim, please contact Great-West Life at 1-800-874-5899.

What you need to do
  • designate a beneficiary for the $2,000 life insurance benefit payable from Great-West Life
  • consider signing up for Great-West Life online to submit claims or direct deposit
When to contact us
  • when any life changes occur – marriage, separation, divorce, death, new beneficiaries
  • changes to contact information – address, phone number, e-mail address, new spouse, death of a spouse

Background material for more information
Government sites with pension benefit information