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Ontario Teacher's Insurance Plan ​(OTIP)

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JUNE 2025

How you can have your summer fun, and your savings too

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One of the wonderful things about being an education member is the summer. A chance to recharge, or renovate. Take a course, or take off. So, how can you embrace all that summer offers while protecting your financial well-being? Here are 3 practical tips to help you have your summer fun, and your savings too.

  1. Set (and stick to) a budget. Having more ‘free time’ in July and August could potentially lead you to overspending if you’re not careful. This is why you should always have a separate spending budget in place to keep your finances on track for the summer months.
 
  1. Stretch your money further by cashing in those loyalty rewards. With billions in unredeemed loyalty points in Canada, consider finally cashing in on any unused points you’ve racked up to enjoy discounted (or even free) meals, activities, transportation, or hotel stays this summer.
 
  1. Make sure your money is still working hard while you’re on break. While you might be catching a bit of a respite over the summer—make sure your money is still working just as hard as you do during the school year. Get expert advice from a financial advisor.
 
For more tips on how to protect your finances, read the full article: https://bit.ly/3Sn3iOt.


Educators Financial Group has been offering financial planning and a wide selection of investing and lending products and services exclusively to education members and their families since 1975. It is this strong history that has enabled them to become the education community’s financial specialist — empowering educators to achieve their financial goals.

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Celebrate the end of the school year with a bonus offer!
 
For the month of June only, get a $30 gift card of your choice when you get a car, home, or leisure product quote. Get a quote or call 1-888-892-4935 and mention this offer.

How to manage risks at home

Ensuring the safety and security of your home is a crucial responsibility. By understanding common risks and taking proactive measures, you can protect your most valuable assets. Here, we’ll explore various ways to identify, assess, and manage risks in and around your home so you can enjoy peace of mind.
 
Read more at www.otip.com/article193. #OTIPUpdate

 


5-day personal finance course

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This summer, take your financial education to the next level with this FREE 5-day mini course, courtesy of (please tag @Educators Financial Group on Facebook or @EducatorsFG on X/Instagram). Learn about debt management, financial planning, and more. Sign up today (your future self will thank you): https://bit.ly/3HaA1nK. #EFGtips

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Navigate the changing mortgage landscape with expert guidance and competitive rates from (please tag @Educators Financial Group on Facebook or @EducatorsFG on X/Instagram). Plus, you could get up to $500 cash back*. Conditions apply. Speak to an Educators mortgage agent today: https://bit.ly/4jjm6Jn. #EFGtips

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Celebrate the end of the school year with a bonus offer! For the month of June only, get a $30 gift card of your choice when you get a car, home, or leisure product quote. Get a quote: https://bit.ly/4mAHcG9 #OTIPUpdate


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Did you know? You may be eligible for an auto insurance discount if your vehicle is protected with an after-market ignition cut-off system or monitored alarm system. Learn more: https://bit.ly/4jnvRGs #OTIPUpdate



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OTIP offers four life insurance plan options, each with a range of coverage amounts and term lengths! Find the coverage that’s right for you and apply online: https://bit.ly/44SYk3x #OTIPUpdate


MAY 2025

Maximize your RRSPs by avoiding these two common missteps

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Having a pension is a great thing. But, when it comes to ensuring you have the cash flow you need in retirement, it’s always a good idea to have a bit of a financial cushion in addition to those monthly OTPP or OMERS payments. That’s where the Registered Retirement Savings Plan (RRSP) comes in. Yet many Canadians are making costly mistakes.
 
When it comes to your RRSP, here are two things you should avoid: https://bit.ly/3MXYa0y.
 
Brought to you by Educators Financial Group. Trusted by over 16,000 education members and their families to meet their financial goals. Book your complimentary consultation today: https://bit.ly/3TAFRlW.


Is the trade war and market volatility making you nervous?

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Navigating the ups and downs of the market caused by tariffs can feel like a roller coaster. One day brings optimism, the next, uncertainty. It’s easy to feel overwhelmed by the constant change and market swings. In fact, your first instinct may be to react. After all, you’ve worked hard for every dollar you have invested.
 
But the reality is that volatility is a natural occurrence and fluctuations will happen. That’s the cyclical nature of the market. So, while market shifts can feel unsettling, here’s how a thoughtful, long-term plan is designed to weather both the highs and the lows and why staying invested matters.
 
Continue reading…
 
Brought to you by Educators Financial Group. Trusted by over 16,000 education members and their families to meet their financial goals. Book your complimentary consultation today: https://bit.ly/4jQB3TZ.


Early retirement 101: the 85 / 90 factor – can you retire before reaching it?
 

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Early retirement. It’s something we all think about—especially with the last few years in the rear-view mirror. However, when you’re an education member who is working towards their 85 or 90 factor, there are financial implications to retiring ahead of that magic number.
 
Before you hand in your notice, learn how much it’ll potentially cost you to retire early: https://bit.ly/3QvbQ53.
 
Plus, be sure to check out this educator-specific Pension Income Gap Calculator to see if you are on track, or speak with an Educators advisor for advice tailored to your unique needs.
 
Educators Financial Group has been offering financial planning and a wide selection of investing and lending products and services exclusively to education members and their families since 1975. It is this strong history that has enabled them to become the education community’s financial specialist — empowering educators to achieve their financial goals. Book your complimentary consultation today:
https://bit.ly/3QwChHg

Ready, Set, WIN!

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Enter to win our monthly prize of 500 cash
and the grand prize of $10,000 cash!

 

Enter now

No purchase necessary. Open to all active and retired Ontario education members. Must be an Ontario resident, minimum 18 years of age to enter. Contest closes December 31, 2025. Selected winners must correctly answer a skill-testing question. Full contest rules at www.otip.com/contest-rules. Odds of winning depend on entries received by the draw date for the prizes.

Insurance Solutions

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Complete insurance solutions for the Ontario education community. Get personalized service and exclusive discounts for all your insurance needs. Plus, get a $20 gift card of your choice when you get a car or home quote! Get a quote: https://bit.ly/4cRDXWh #OTIPUpdate


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Your opinions matter to us! Complete our short Spring Survey for a chance to WIN one of ten $50 gift cards* of your choice. But hurry, you only have until May 16, 2025: https://bit.ly/4lforHG. Brought to you by (please tag @Educators Financial Group on Facebook or @EducatorsFG on X/Instagram). #EFGtips


APRIL 2025

Expert advice for spring cleaning your finances

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The days are getting longer, the weather is finally warming up, and the end of another school year is on the horizon. Yes, spring is here, the season of new beginnings and fresh starts. But spring isn’t just a time to clean out your closets – it’s a great time to declutter your finances, too!
 
Here are a few ways to help you spring into action and make your money work harder for you.

  • Check in on your financial situation. Life events like marriage, children, or retirement can significantly alter your budget and goals. That’s why it’s a good idea to review your financial situation to ensure your investment plan remains aligned with your current situation.
  • Review your mortgage options. Whether you’re looking for your first mortgage or coming up to renewal time, navigate the changing mortgage landscape with expert guidance and exclusive rates. Plus, you may also qualify for a cash bonus of up to $500*. Speak to an Educators mortgage agent today: https://bit.ly/427jxDK.
  • File your tax return early. By getting your taxes done early, you’ll ensure any benefits remain uninterrupted and receive any refund, faster. Expecting a refund? Here’s how to make the most of it: https://bit.ly/4jfbBY8. 
For a full list of financial ‘to-dos’ this spring, check out this article: https://bit.ly/41R4b7y.
 
Educators Financial Group has been offering financial planning and a wide selection of investing and lending products and services exclusively to education members and their families since 1975. It is this strong history that has enabled them to become the education community’s financial specialist — empowering educators to achieve their financial goals.


Demystifying Responsible Investing: what you need to know

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“Sustainable”. “Green”. “Ethical”. “Responsible”.
 
Although described in many different ways, investing in funds or companies that reflect your values has been one of the fastest-growing investment trends in recent years. Around the world, investors expect to increase the share of sustainably invested assets from 18% to 37% by 2025.1
 
If you’re one of the many investors interested in supporting environmental, social, and corporate governance causes, here’s what you need to know: https://bit.ly/494oGxS.
 
Brought to you by Educators Financial Group. Trusted by over 16,000 education members and their families to meet their financial goals. Book your complimentary consultation today: https://bit.ly/4awHfMp.
 
1 https://justcoded.com/blog/esg-vs-sri-vs-impact-investing/



How to make the most of your meeting with an insurance broker

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Meeting with an insurance broker may seem overwhelming, especially if you’re unsure about the type of coverage you need or what questions to ask. Whether you’re shopping for insurance, reviewing an existing policy, or evaluating your options, being well-prepared can help you make informed decisions and find the right coverage for your needs. Here’s a comprehensive guide to ensure you get the most out of your time with an insurance broker.
 
Read more at www.otip.com/article192. #OTIPUpdate
 
Complete insurance solutions for the Ontario education community
 
Get personalized service and exclusive discounts for all your insurance needs. Plus, get a $20 gift card of your choice when you get a car or home quote! Get a quote or call 1-888-892-4935 and mention this offer.


6 tips to help you eliminate distractions and stay focused on the road

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Did you know that roughly 1 in 4 fatal car accidents involve distractions? In Ontario, data shows someone is injured in a distracted driving accident every half hour. So whether you're teaching a new driver the ropes or working to improve your own habits, these tips can help you minimize distractions and keep our roads safe.

Read more at www.otip.com/article191. #OTIPUpdate
 
Complete insurance solutions for the Ontario education community
 
Get personalized service and exclusive discounts for all your insurance needs. Plus, get a $20 gift card of your choice when you get a car or home quote! Get a quote or call 1-888-892-4935 and mention this offer.

Did you know? You may be eligible for an auto insurance discount if you have a clean driving record, with no traffic violations in the last three years. Learn more: https://bit.ly/3YdJpN1 #OTIPUpdate


CONTESTS PARTICIPATE FOR YOUR CHANCE WIN

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Complete OTIP and EFG’s short Spring Survey for a chance to win one of ten $50 gift cards of your choice! You only have until May 16, 2025, so get started now: https://bit.ly/3E1P2qY #OTIPUpdate
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Your opinions matter to us! Complete our short Spring Survey for a chance to WIN one of ten $50 gift cards* of your choice. But hurry, you only have until May 16, 2025: https://bit.ly/4lforHG. Brought to you by (please tag @Educators Financial Group on Facebook or @EducatorsFG on X/Instagram). #EFGtips

RETIREMENT

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Retirement your way. Choose from 3 RTIP health insurance plans, and the flexibility to move between plans if your needs change in retirement. Learn more: https://bit.ly/4c9iyHM #OTIPUpdate

MARCH 2025

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Retirement, your way

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Retired Teachers Insurance Plan (RTIP) offers the most flexible health, dental and travel insurance available to retired teachers, educational support and administrative staff in Ontario!
 
  • Three unique health-care plans with different prescription drug maximums and the freedom to change plans if your needs change in retirement.
  • Travel insurance for up to 100 consecutive days per trip included in every plan.
  • Complimentary access to Carepath Digital Health Cancer Care and Elder Care programs, Starling Minds, and the EdvantagePerks savings program.
 
Starting to plan for retirement in a few years?
Learn more about RTIP or sign up for a free retirement workshop or webinar.
 
Retiring at the end of the school year?
The RTIP Easy Enrol online application is a fast and convenient way to transition from your active group benefits to retirement. Apply online in only a few minutes!
 
You can also call 1-800-267-6847 to speak with a Life and Living Benefits representative and find out which plan is right for you!
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Early retirement 101: the 85 / 90 factor – can you retire before reaching it?

Early retirement. It’s something we all think about—especially with the last few years in the rear-view mirror. However, when you’re an education member who is working towards their 85 or 90 factor, there are financial implications to retiring ahead of that magic number.
 
Before you hand in your notice, learn how much it’ll potentially cost you to retire early: https://bit.ly/3QvbQ53.
 
Plus, be sure to check out this educator-specific Pension Income Gap Calculator to see if you are on track, or speak with an Educators advisor for advice tailored to your unique needs.

 
Educators Financial Group has been offering financial planning and a wide selection of investing and lending products and services exclusively to education members and their families since 1975. It is this strong history that has enabled them to become the education community’s financial specialist — empowering educators to achieve their financial goals. Book your complimentary consultation today: https://bit.ly/3QwChHg

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OTIP offers four life insurance plan options, each with a range of coverage amounts and term lengths! Find the coverage that’s right for you and apply online: https://bit.ly/4gWlsQV #OTIPUpdate


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OFFER EXTENDED! Speak with an (please tag @Educators Financial Group on Facebook or @EducatorsFG on X/Instagram) financial advisor to learn more and start on your path to reaching your financial goals. For a limited time, get $100 when you open and invest in a new RRSP, TFSA, FHSA, or non-registered account*: https://bit.ly/3D7kKT1. #EFGtips



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Learn more: https://bit.ly/4gWPc03 #OTIPUpdate

FEBRUARY 2025

Here’s how members of the education community can financially plan for their futures
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Between preparing lesson plans to participating in extracurricular activities, it can be hard to find the time to learn about your personal finances.
 
But financial planning is essential to your long-term well-being, and with proper planning, you can reach your financial goals in the most efficient way possible.
 
Here are a few key things you should know about financial planning and taxes ahead of the RRSP and tax deadlines: https://bit.ly/40U4XjM.
 
Educators Financial Group has been offering financial planning and a wide selection of investing and lending products and services exclusively to education members and their families since 1975. It is this strong history that has enabled them to become the education community’s financial specialist — empowering educators to achieve their financial goals. Book your complimentary consultation today: https://bit.ly/4hfk3Ga.



LIMITED TIME OFFER
Maximize your investments this RRSP season.
 Open a new RRSP, TFSA, FHSA, or non-registered account and get $100*!
 Visit https://bit.ly/4gAp8YF or call 1.800.263.9541 (cite promo code Invest100) to get started today.

Ways to save on insurance with OTIP

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Who doesn't love saving money? We drive across town to save a few dollars on gas, bundle our phone and cable services, use loyalty cards to earn points and comb through flyers to find the best deals. However, when it comes to saving on home and auto insurance, many people don't take action. They allow their policies to renew automatically, fail to compare options and miss out on potential savings. If you want to save more on your home and auto insurance, we have some tips to help lower your costs.

Read more at www.otip.com/article190. #OTIPUpdate

Complete insurance solutions for the Ontario education community

Get personalized service and exclusive discounts for all your insurance needs. Plus, get a $20 gift card of your choice when you get a car or home quote! Get a quote or call 1-888-892-4935 and mention this offer.

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Ready, Set, WIN! Enter to win OTIP’s monthly prize of $500 cash and the grand prize of $10,000 cash. Enter now: https://bit.ly/40Ggi5k #OTIPUpdate




JANUARY 2025

Investment and financial planning advice tailored exclusively for education members

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You work hard for your money. It’s time for your money to work hard for you.
 
Open and invest in a new TFSA, RRSP, FHSA, or Non-Registered Account at Educators Financial Group® and receive $100 to kickstart your savings journey.* Their team of financial experts are dedicated to providing personalized advice and guidance tailored to your unique needs.
 

To get started, visit educatorsfinancialgroup.ca/invest100 to
book a consultation or call 1.800.263.9541 and mention this offer
(cite promo code Invest100).


 
Why choose Educators Financial Group?
 
  • Trusted by over 16,000 education members and their families
  • Dedicated financial advisor who will get to know your unique financial situation and goals
  • Invaluable educator-specific advice and support on an ongoing basis
  • Annual review and updates to your personal plan as your needs and goals change
  • Gratuity planning, cash flow management, retirement planning, debt consolidation, and more

  • ®Educators Financial Group is a registered trademark of Educators Financial Group Inc.
    * Terms and conditions apply. This offer is available only to new Educators Financial Group clients. Minimum $5,000 investment required in a new RRSP, TFSA, FHSA, or non-registered account. Offer ends February 28, 2025. Visit https://www.educatorsfinancialgroup.ca/100-offer-terms/ for full terms and conditions.

Identity theft involves stealing someone’s personal information with the intent to commit a crime, most often for financial gain. From drained bank accounts to poor credit ratings and even legal issues, identity theft can have profound implications. You can outsmart fraudsters by understanding the kinds of information they’re looking for and taking some simple yet effective steps to prevent identity theft.
 
Read more at www.otip.com/article189. #OTIPUpdate


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Did you know? You may be eligible for a home insurance discount if your vehicle is also insured with OTIP. Learn more: https://bit.ly/3BB6npt #OTIPUpdate


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Complete insurance solutions for the Ontario education community. Get personalized service and exclusive discounts for all your insurance needs. Plus, get a $20 gift card of your choice when you get a car or home quote! Get a quote: https://bit.ly/4iNVr8M #OTIPUpdate

DECEMBER 2024

Important year-end financial planning deadlines and tips

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As the year draws to a close, it’s a great time to review your financial situation and take advantage of year-end tax planning opportunities. With a little planning, you can maximize your savings, minimize your tax burden, and stay on track with your financial goals.
 
Here are a few key financial to-dos to consider:
 
  • Saving for your first home or your child’s education? Contribute to your First Home Savings Account and/or your child’s Registered Education Savings Plan before December 31 to maximize tax benefits and government grants.
 
  • Maximize any charitable donations. ‘Tis the season to give—so if you want to get a donation receipt (for this year) that you can claim on your tax return in the spring, be sure to give those charitable donations by December 31.
 
  • If inflation has you worried about hitting your retirement goals, you’re not alone. See if you’re on track to enjoy the retirement you want using this Pension Income Gap Calculator, and you could receive a $25 Amazon gift card*: Learn more: https://bit.ly/49aow9U.
 
For a comprehensive checklist of to-dos, check out this helpful resource: https://bit.ly/3Ors3Hf.


Don’t let your finances drift
 
Schedule a year-end financial review with an Educators financial advisor to track your progress towards your goals, optimize your taxes, and plan for your future. Their professional accreditation and experience working with educators like yourself will help you keep on track to meet your goals.
 
Visit https://bit.ly/41oEZ8L or call 1.800.263.9541 to get started today.


 
Educators Financial Group has been offering financial planning and a wide selection of investing and lending products and services exclusively to education members and their families since 1975. It is this strong history that has enabled them to become the education community’s financial specialist — empowering educators to achieve their financial goals.


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How to prepare for a safe winter road trip
Winter road trips offer breathtaking scenery, but conditions can sometimes be less than perfect. According to the National Collision Database, nearly 30 percent of collisions happen on wet, snowy, or icy roads in November, December, January, and February. Whether you're driving up to the cottage for a cozy weekend away or visiting family or friends in another city or province, be sure to keep these winter safety tips top of mind.
 Read more at www.otip.com/article188. #OTIPUpdate

Insurance built for all members of the education community. Get personalized service, exclusive discounts on car and home insurance, and a $20 gift card of your choice when you get a quote. Get a quote online or call 1-888-892-4935 and mention this offer.


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Wouldn’t it be GRAND? Enter to win our monthly prize of $1,000 cash and the grand prize of $3,000! Enter now: https://bit.ly/4eHTRC0 #OTIPUpdate


November 2024

Welcome to Financial Literacy Month!

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Talking about money can be tough, but it doesn’t have to be. This November, we’re embracing the theme “Money on your Mind. Talk about it!” to help break the stigma around financial conversations.
 
Whether you’re dealing with personal debt, budgeting for the future, or just curious about how to make your money work harder, Educators Financial Group can support you every step of the way.
 
Here are three ways you can learn with Educators Financial Group this Financial Literacy Month:
 
  1. Fast-track your financial literacy by signing up for a free 5-day mini course. In this 5-part email series, you’ll learn how to manage your debt, build a successful financial plan, maximize your money through tax-saving strategies, and more. Plus, when you sign up during Financial Literacy Month, you’ll automatically be entered to win 1 of 5 $50 gift cards.

  2. Get your questions answered by an Educators Financial Advisor. Book a call with an Educators Financial Advisor to discuss your finances and create a plan that works for you.

  3. Attend a new lineup of webinars:
    • Financial Planning in your Early and Mid Career on Nov 12, 5:00pm – 6:15pm
    • Investing - Empowering You to Make the Right Choices on Nov 18, 7:00pm – 8:15pm
    • Financial Empowerment - Securing Your Legacy on Nov 26, 4:30pm – 5:45pm
 
Ready to take control of your finances? Book a call with an Educators Financial Advisor and get personalized advice tailored to your needs. Let’s talk about money!


This Financial Literacy Month, take charge of your finances with this FREE 5-day mini
course, courtesy of (please tag @Educators Financial Group on Facebook or
@EducatorsFG on Twitter/Instagram). Learn about debt management, financial
planning, and more. Sign up today (your future self will thank you): https://bit.ly/48nijXK.
#EFGtips

Retirement, will, and estate planning

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Creating a valid will can be an uncomfortable and confusing process. But you’re not alone in feeling it’s difficult to make a will. According to a 2019 study commissioned by Willful, over 57% of Canadians don’t have a will. So, to help you get started this Make a Will Month, we’ve answered some questions you may have about legal wills in Ontario and what you’ll need to consider when making yours. Life can be unpredictable, but having a will ensures the unexpected doesn’t leave your loved ones unprepared.
 
Read more at https://bit.ly/4efKcCd. #OTIPUpdate
 
Insurance built for all members of the education community. Get personalized service, exclusive discounts on car and home insurance, and a $20 gift card of your choice when you get a quote. Get a quote online or call 1-888-892-4935 and mention this offer.

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Insurance built for all members of the education community. Get personalized service, exclusive discounts on car and home insurance, and a $20 gift card of your choice when you get a quote. Get a quote online: https://bit.ly/3YNW2zn #OTIPUpdate



OCTOBER 2024

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Retire with confidence. Our partner (please tag @Educators Financial Group on Facebook or @EducatorsFG on Twitter/Instagram) developed an educator-specific calculator to help you see if you’re on track to enjoy the retirement lifestyle you want. Review your results with a Financial Advisor and receive a $25 Amazon gift card*: https://bit.ly/4eRQHw7

Insurance built for all members of the education community

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Back to school bonus offer.


Get a quote in September or October
and be entered to win $1,000 cash!
 
Get a quote online or call 1-866-206-7523 and mention this offer.
 
Why OTIP?
  • Save up to 25% on car insurance.
  • Save up to 50% on home insurance when you insure both your car and home with OTIP.*
  • Deal with an insurance brokerage who understands your unique needs and is dedicated to the education community.
 
* Restrictions apply. See details.
Facebook and Instagram:
 Insurance built for all members of the education community. Get personalized service, exclusive discounts on car and home insurance, and a $20 gift card of your choice when you get a quote. Plus, when you get a quote throughout September and October, you'll be automatically entered into our Back to School Bonus Contest for a chance to win $1,000 cash! Get a quote: https://bit.ly/3MQyra7 #OTIPUpdate
 
Twitter:
 Get a $20 gift card of your choice when you get a car or home insurance quote. Plus, when you get a quote in September or October, you'll be entered into our Back to School Bonus Contest to win $1,000! Get a quote: https://bit.ly/3MQyra7 #OTIPUpdate



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  SEPTEMBER 2024
  Starting the new school year off strong and supported
  Welcome back to another school year! 
  We hope you’re feeling refreshed and inspired after the summer break.
  Now is an ideal time to reflect on 
your accomplishments and plan for the
  future, both personally and 
professionally. We want to reassure you that
  our team is committed to 
supporting your health, wellness, and financial
  security so you can thrive 
in your pivotal role within the education
  community. You may be most 
familiar with Ontario Teachers Insurance
  Plan (OTIP) as your group 
benefits provider, but did you know that we also
  offer personal 
insurance coverage?

Read on to learn more about what we’re proud at www.otip.com/article185. #OTIPUpdate
 
As our way of saying thank you for getting an auto and/or home insurance quote, we'll send you a $20 gift card of your choice. Plus, when you get a quote throughout September and October, you'll be automatically entered into our Back to School Bonus Contest for a chance to win $1,000 cash! Get an online quote or call 1-888-892-4935 and mention this offer.
                                                   
______________________________________________________________________________

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 JUNE 2024
 Money 101: how to make the most of a lump sum cash flow
 boost (including Bill 124 remedy payments)


 Regardless of where you are on the pay grid, it’s important to make every
 dollar count, especially in today’s economy. So, if you’ve recently come
 into an inheritance or received a settlement through the Bill 124 remedy,
 here are 5 ways to maximize every dollar so that you can achieve your
 financial goals faster: https://bit.ly/3X0hwZ9.
 Brought to you by Educators Financial Group. Trusted by over 16,000
 education members and their families to meet their financial goals.
​
                                                                                                         Book your complimentary consultation today: https://bit.ly/3wRqZHE

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 JUNE 2024
 What you need to know about driving with pets and auto insurance

  It’s not unusual to spot a dog’s head or nose sticking out of the window of
  a passing car – having the wind blow through their fur and taking in all           sorts of scents. It can be an exhilarating experience, and it’s no wonder  
  they enjoy it.
 
 On the other hand, a driver caught with a dog in their lap may be in for an
 expensive surprise. According to the Ontario Provincial Police, there isn’t a
 specific charge for having a dog in your lap, but it could be considered a
 crowding the driver’s seat charge.

 

                                                                                          Read more at https://bit.ly/3xbiR4T. #OTIPUpdate

                                                                             ______________________________________________________________________



PictureClick "Enter Now" link to enter draw!
MAY 2024
​
  
Wouldn’t it be GRAND?
  Enter to win
  our monthly prize of
 $1,000 cash
and
the grand prize of $3,000!

 
   Enter now

No purchase necessary. Open to all active and retired Ontario education members. Must be an Ontario resident, minimum 18 years of age to enter. Contest closes December 31, 2024. Selected winners must correctly answer a skill-testing question. Full contest rules at www.otip.com/contest-rules. Odds of winning depend on entries received by the draw date for the prizes.

______________________________________________________________________________________________


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  APRIL 2024 
  Protect your home from basement flooding

​  After a cold winter, the springtime is a welcome change. But with the longer days and 
  warmer weather comes new challenges. The potential for flooding increases as the snow
  melts and heavy rain falls. Canadians are experiencing more floods than ever before.
  According to the Government of Canada, flooding has increased 300% since the 1960s. 
  But many homeowners haven't taken the proper steps to protect themselves or their 
  properties. No matter what area you live in, flooding can happen to you. Don't wait for
                                                                                the water – take these proactive steps to minimize your risk of a flood damaging
​                                                                                your home.
 
                                                                                Read more at www.otip.com/article180. #OTIPUpdate
​
                                __________________________________________________________________________________________________________



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  APRIL 2024
  Demystifying Responsible Investing: what you need to know

  “Sustainable”. “Green”. “Ethical”. “Responsible”.
  Although described in many different ways, investing in funds or companies that reflect      your beliefs and values has been one of the fastest-growing investment trends in recent      years. Around the world, investors expect to increase the share of sustainably invested        assets from 18% to 37% by 2025.
 
                     If you’re one of the many investors interested in supporting environmental, social, and corporate governance causes,
                                                             here’s what you need to know:
https://bit.ly/494oGxS.
​
                          Participate in our survey for a chance to win!
 

                       Your opinions matter to us. In partnership with OTIP, we’ve created a short survey to seek your feedback.
                                Complete our short Spring Survey for a chance to WIN one of ten $50 gift cards* of your choice.
                                                  But hurry, you only have until May 17, 2024: https://bit.ly/4a55dyh.

                                                               * Read the rules and regulations: https://bit.ly/3VyrkJ7
 
           Brought to you by Educators Financial Group. Trusted by over 16,000 education members and their families to meet their 
                                 Financial goals. Book your complimentary consultation today:
https://bit.ly/4awHfMp.

​                                    ______________________________________________________________________________________________

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   MARCH 2024
 
   Insurance built for all members of the education community


   Get personalized service, exclusive discounts on car and home insurance
   and a $20 gift card of your choice when you get a quote!*

   Get an online quote or call 1-866-206-7523 and mention this offer.
   

Why OTIP

Save up to 25% on car insurance
Save up to 50% on home insurance when you insure both your car and home with OTIP.
Deal with an insurance brokerage who understands your unique needs and is dedicated to the education community.                                 
Restrictions apply. See details.
                                    _________________________________________________________________________________________

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   FEBRUARY 2024
   
Six components that every education member should
   add to their financial plan!

   There are many building blocks to a successful financial plan, and it can be hard
    to create — and stick to — each block.
   For many, the choice between stocks and bonds and the arrangement of pensions
   and taxes can be daunting. Personalized and professional financial advice can
​   help you manage your unique needs and challenges to create a workable strategy.  
 
With the RRSP deadline around the corner, and tax deadline quickly approaching, here are key things you should know about financial planning and taxes: https://bit.ly/3SdKWPr.
 
Brought to you by Educators Financial Group. Trusted by over 16,000 education members and their families to meet their financial goals. Book your complimentary consultation today: https://bit.ly/3SeMQ2c.

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  FEBRUARY 2024
  Claims counselling – our dedicated team is here to help

   The unfortunate reality is accidents happen. That's why insurance exists. However, we
   recommend you speak with your licensed insurance broker about whether making an
   official claim with your insurance company is in your best interest. That's where claims
   counselling comes in handy.
 
   Read more at www.otip.com/article177. #OTIPUpdate
​

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   FEBRUARY 2024

   Wouldn’t it be GRAND? Enter to win OTIP’s monthly prize of $1,000 cash
   and the grand prize of $3,000!


   Learn more: https://bit.ly/3SyciBd #OTIPUpdate



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   JANUARY 2024
  
How to put your financial plan into motion
  When it comes to your financial dreams and goals, where would you like to be a year 
  from now? How about five years from now?

 
  Okay, so you probably can’t even think past the next few weeks let alone five years down    the road. However, school years come and go – and before you know it you will have 
  reached your 85- or 90-factor.
 
Don’t let the years pass you by without spending some time on your financial goals, especially as we kick off a new year. Whether you’re looking to make things happen in the short term, long term, or both, here’s how to put your plans for the future into motion today: https://bit.ly/3RHUEsW.
 
Brought to you by Educators Financial Group. Trusted by over 16,000 education members and their families to meet their financial goals. Book your complimentary consultation today: https://bit.ly/3txU5Kk.



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   DECEMBER 2023 
   Should you opt out of Direct Compensation Property Damage coverage?
   Soon, Ontario drivers will have a new option to restrict coverage in the event of a 
   collision the option not to claim damages.
 
   In December 2022, the Financial Services Regulatory Authority of Ontario (FSRA)       
   announced that Ontario Policy Change Form (OPCF) 49 will give drivers the choice to opt 
   out of Direct Compensation Property Damage (DCPD) coverage.
  Under OPCF 49, you can agree not to be compensated by your insurance company or 
                                                                                 anyone else, including anyone at fault for causing the damage or their insurance
​                                                                                 company.
                                                                                 But what does that mean?
                                                                                 Read more at
 www.otip.com/article173. #OTIPUpdate
​

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  NOVEMBER 2023 
  Pay grids. Pension contributions. Deferred leaves. These are all factors unique to
  education members. And each of these factors plays an important role when it comes to
  your overall financial journey.
 
  This month, take time to empower yourself and invest in your own financial wellbeing. By
  being financially literate, you can better manage life events such as buying your first 
  home or having a child, or retiring early.

Check out these upcoming events and educational resources to help strengthen your financial literacy and make more informed decisions about your money:
 NEW First Home Savings Account (FHSA) resources:

*FHSA 101 on-demand webinar: https://bit.ly/3QbbJea
*A step-by-step guide: Using a First Home Savings Account to help you save for your first home: https://bit.ly/46LwILJ
*Walk into Retirement with a Plan – sign up for upcoming workshops and webinars in collaboration with OTIP: https://otip.my.salesforce-sites.com/wrpen/
*Financial literacy newsletter – get educator-specific tips and resources straight to your inbox every month, plus your chance to win a $50 gift card: https://bit.ly/3Q6ptqK
 
​Brought to you by Educators Financial Group.


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NOVEMBER 2023

It’s no secret that getting from point A to point B in the middle of a Canadian blizzard can be tough. Thankfully, there’s one simple step you can take towards a safer winter drive: installing a set of quality winter tires.
 
Read more at www.otip.com/article171. #OTIPUpdate



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   OCTOBER 2023

   Get exclusive auto and home insurance discounts and
  a $20 gift card of your choice when you get a quote!*
  Plus, you can keep that refreshed look with a new wardrobe!
  Get a quote in October and you’ll be automatically entered into our
  Back to School Bonus Contest for a chance to
  win a $1,000 Mark’s gift card.
 Get an
 online quote or call 1-866-206-7523 and mention this offer. 
​* Restrictions apply.
 See rules and regulations.
Want another chance to win?
When you complete our 5-minute Back to School Survey, you could be one of ten lucky winners of a $50 gift card of your choice.
You only have until October 31, 2023, so
 start the survey now!            
Read the rules and regulations here.

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​  SEPTEMBER  2023
  Feeling refreshed for a new school year
  Summer break is an excellent time to refresh yourself for the next school year.
  It’s also an ideal time to align your goals, including those that support your
  health, wellness, and
  financial security. Let OTIP help you with that!

   Read more at www.otip.com/article168. #OTIPUpdate




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JANUARY 2023
The top 5 things that should be on your ‘beginning of the year financial to do’ list
​

​It’s a new year—and while you might be sorting out whether or not an ‘old acquaintance should be forgotten’, there is a list of money-related things you shouldn’t forget if you want to start this year on the right financial foot. From making the most of your TFSA and RESP contributions, to getting ahead of the RRSP and tax deadlines, check out the top 5 things that should be on your new year financial to-do list: https://bit.ly/3VpNTvU.  Brought to you by Educators Financial Group
​

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 JANUARY 2023

​Start the new year off right with ways to save on your home and auto insurance
​

The price you pay for insurance can vary by hundreds of dollars, so how can you get the best value for your money? Here are 10 ways you may be eligible to save on your home and auto insurance and start your new year off right. Read more at www.otip.com/article158

NE SIBI QUISQUE CONSULAT, SED INTER NOS AUXILIO SIMUS.
Let us not take thought for our separate interests, but let us help one another
.
Ontario Secondary School Teachers' Federation   District Seven Bluewater