Health Insurance


If an APUO member retires prior to the normal retirement date set out in the University of Ottawa Pension Plan (age 65), the member may, until she or he attains the normal retirement age of 65, participate in the supplementary health and dental insurance benefits provided to active APUO members. Eligible members who opt to continue their supplementary health benefits must pay the employer’s contribution for that benefit plan. If a member applies after 60 days of leaving the University Plan, she or he will required to complete a medical questionnaire. See section 38.2.5.3 of the APUO Collective Agreement.

At age 65, a retiree can join group benefits medical plans to replace the extended health and travel benefits enjoyed while an employee of the University. There are a number of choices, and retirees are advised to study what is being offered by each plan, as the terms differ significantly from plan to plan, and each retiree’s individual situation (state of health, family situation, spouse, dependents, etc.) is particular. Currently some of the possibilities open to retirees include (1) the plan sponsored by the Retired Teachers of Ontario (RTO), a registered charity (annual membership required); (2) the Municipal Retirees’ Organization of Ontario (MROO) Extended Health Care & Dental Care; (3) the Retired Teachers Insurance Plan (RTIP) sponsored by Ontario Teachers Insurance Plan (OTIP); and (4) the “CoverMe Plan” offered by Manulife Financial.

 Retirees may purchase group coverage for either a private or semi-private hospital room. For information and application forms contact Neil Courtemanche at Human Resources (613 562 5832).

Members who retired on or after 1 May 2001 now have access to a Health Care Spending Account ($1350 for 2020, $1350 for 2021). The programme, administered by Canada Life, will reimburse eligible members for expenses normally associated with health and dental benefits plans as stipulated in the 2018-2021 Collective Agreement, section 40.10.