The Ontario govt. just changed our plan mid-stream.......no consultation, nada.
They decided last year that if you didn't retire by the end of November this year you would have to pay half the cost of your benefits until death. Now that in itself doesn't sound too terrible until you think that I have been contributing rates for 28 years that included benefits.
The Toronto govt. pays 100% on benefits premiums until age 65. Doesn't matter if you are retired, or still on the job.
After age 65, you receive a $3,000.00 per year Health Care Spending Account ( HCSA ) until age 75, and pay your own premiums.
After age 75, if still alive, you are on your own.
The plan renews automatically on your 65th birthday without the need for a medical.
The City continues to pay your Life Insurance premium.
( This is the plan for Toronto police officers, firefighters and paramedics. )