How your trust works

Your benefits are provided through ONE-T – an employee life and health trust (ELHT) – instead of through your school board. The trust provides benefits to approximately 7,500 Principals/Vice-Principals (P/VPs), and 7,500 management and non-union employees. ONE-T’s total membership is about 15,000 members, creating a solid framework for a strong and sustainable benefits trust.

How does it work? Essentially, ONE-T holds the funds set aside to provide life, health and dental benefits for eligible plan members. The government provides funding, which can be used only to provide the designated benefits to plan members, and cover any reasonable costs to manage and administer the trust.

Providing benefits through a trust offers some key advantages , including stable, sustainable access to benefits without the ongoing challenge of locally bargaining benefits. The size of our combined membership means greater buying power and related financial advantages – as well as greater benefits security for you.

Funding and governance

To fund your benefits, the Ontario government provides a negotiated amount of money to the individual school boards each year. The boards, in turn, contribute that money to ONE-T to fund your benefits.

ONE-T is managed by a Board of Trustees with representatives from both the government and our collective membership:
  • 4 appointed by the Employer and the Crown; and
  • 5 appointed by the Principals/Vice-Principals (P/VPs) and CAEAS-ECAB (which supports other unaffiliated employees).
The Trustees are ultimately responsible for effectively managing ONE-T, including making a broad range of administrative and investment decisions. Regardless of any personal affiliations, the individual Trustees have a fiduciary obligation to manage the trust in the best interest of all plan members.

Provider roles and responsibilities

After a thorough due diligence process, the Board selected Cowan, Canada Life, Chubb and Cubic Health to partner with ONE-T. Key qualifications included experience with benefits trusts and within the education sector, long-term partnership potential, robust technology, value for the quoted fees and the ability to provide excellent service to our members.

Cowan (plan administrator) – As plan administrator, Cowan is responsible for tasks like collecting and maintaining member information, confirming eligibility (based on trust-established rules) and enrolling eligible members.

Cowan
1-888-330-4010
one-t@cowangroup.ca

When to contact Cowan:

  • For questions on enrollment, eligibility and benefits costs
  • To request an additional or replacement benefits card
  • For help logging into or using Cowan’s Member Access site


Canada Life and Chubb (insurers) – Canada Life and Chubb are both responsible for reviewing and paying member claims. Canada Life reviews and pays life insurance, dental and extended healthcare claims; Chubb reviews and pays claims for accidental death and dismemberment (AD&D).

Canada Life
1-866-800-8086
GroupNet for Plan Members

When to contact Canada Life:

When to contact Chubb:

  • For AD&D claims (Employee, Spouse and Child)


Cubic Health (drug plan management) – In the CAEAS-ECAB plan, specialty drugs and certain medications for complex disease states must go through a prior authorization (PA) process before they can be approved for coverage. Cubic Health provides an independent clinical review by a licensed pharmacist.

Cubic Health
1-844-492-9105
www.facetprogram.ca

When to contact Cubic Health:

  • For questions on your drug claims
  • For issues relating to the prior authorization process





Your Board of Trustees

Cliff Inskip (Trustee Chair)
Faye Drennan
Kelly Kempel
John Lewis
Michel Paulin
Robin Pilkey
James (Jim) Sinclair
Lee Watchorn
Mary Anne Wiley
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Cliff Inskip (Trustee Chair)

Cliff Inskip is President of Polar Star Advisory Services, a consulting company that provides advice on financing and procuring major infrastructure projects. Cliff is a seasoned financial executive with over 30 years experience in investment and international corporate banking. As Managing Director and Head of Infrastructure and Project Finance for CIBC World Markets, he led over $3 billion of pooled bond financing for 30 Ontario school boards. Cliff has extensive board and committee chair leadership experience and currently serves on the boards of OMERS (pension), FaithLife Financial (life insurance), JCM Power (international power producer) and Kerr Street Community Services (non-profit). He has a variety of designations including: Chartered Director (C.Dir.), Chartered Financial Analyst (CFA), Financial Risk Manager (FRM), Professional Engineer (P.Eng), Fellow of the Association of Corporate Treasurers (FCT) and Fellow of the Canadian Securities Institute (FCSI).

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Faye Drennan

Faye worked in education for 50 years before retiring on December 31, 2017. She was an active participant in P/VP Provincial Negotiations, and was part of the Negotiations Team in 2012 and 2016. Faye was with OPC for 19 years; she served as a Protective Services Consultant for 10 years, and has since served as the Senior Terms and Conditions Manager. Faye has participated in provincial teacher union bargaining as part of the Ontario Public School Board’s team providing a P/VP perspective. More recently, Faye took on a lead role in the ELHT project for P/VPs.

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John Lewis

John has worked in various leadership roles in the Group Benefits Division at Sun Life Financial. John held positions in Business Development and Regional Management, where he was instrumental in acquiring the Public Service Health Care Plan (PSHCP), Sun Life’s flagship account. John later became Senior Vice-President Group Development of MBNA Bank, responsible for the business development functions of the affinity clients segment. Today, John is CEO reporting to the Board of Directors of the Federal PSHCP Administration Authority. This organization is responsible for the operational oversight and compliance management of the PSHCP, as part of a shared governance model in partnership with the Treasury Board of Canada Secretariat and Public Works and Government Services Canada.

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Michel Paulin

Michel recently retired with more than 35 years of progressive experience in financial and organizational management roles within the financial co-operative and education sectors, where he held senior executive management positions. Michel has extensive knowledge and experience on Boards and Committees at the provincial and national levels within the associative non-profit, insurance, financial co-operative and public education sectors. Michel currently serves as an independent business consultant with a focus on school board management, policy governance and strategic enterprise risk management. He is also a board member of Le Groupe Media TFO and Chair of the Audit Committee.

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Robin Pilkey, CPA, CA, ICD.D.

With over 30 years of experience in accounting and taxation across a broad spectrum of industries, Robin has held multiple senior positions of numerous Boards. She is a six-time elected Chair for the Toronto District School Board (TDSB) and is currently the elected School Trustee for TDSB Ward 7, Parkdale High Park. She is also currently a member of the Governance & Policy and Audit Committees at the TDSB. She holds the position of Director at the Toronto Lands Corporation, the TDSB’s real estate arm, and is the Trustee representative to the French as a Second Language Community Advisory Committee and the Toronto Student Transportation Group. She currently chairs the Audit Committee of the United of Church of Canada.

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James (Jim) Sinclair

Jim has over 30 years of experience in the securities, investment management, pension advisory, pension administrative and financial services sectors. He currently serves as General Counsel at Common Wealth, a firm that partners with associations, unions and employers to deliver value-for-money collective retirement plans that combine user-friendly technology, digital retirement planning, low-cost investments, secure lifetime income and a fiduciary duty to members. Prior to joining Common Wealth, Jim held the position of General Counsel at the Ontario Securities Commission. He also held senior management roles at the Ministry of the Attorney General and Ministry of Finance to provide specialized advice on securities, pensions, insurance and tax matters among other things.

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Lee Watchorn

Lee is President of the Watchorn Advisory Group, a company he established to provide advice to senior business leaders, following a lengthy career at Sun Life Financial. For eight years, Lee was responsible for all of Sun Life’s businesses in Canada. He currently serves as the Chair of the Advisory Council of Sionna Investment Managers. A Director of Equitable Life of Canada for 12 years, Lee also served on the Board of BF&M Ltd, a Bermuda-based public insurance company, and the Boards of major Caribbean subsidiaries, roles he retired from in 2019. Lee also teaches a course in insurance in the MBA program at York University and is a past Chair of Prostate Cancer Canada and a past President of St. John Ambulance Ontario Council.

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Mary Anne Wiley

Mary Anne Wiley has over 25 years of experience in the financial services, pension, and capital markets industries. During her lengthy career with BlackRock, she held various leadership roles including Managing Director, Head of iShares Canada where she led the strategic direction and operations of BlackRock’s Exchange Traded Fund business. Prior to that, she gained extensive experience in all areas of investment management while working with some of Canada’s largest pension funds. Currently, she is an independent business consultant and oversees the management and investment policies of the general investment and pension funds for The Salvation Army of Canada. Mary Anne serves as a Director of the Board of NASDAQ CXC Limited (NASDAQ Canada) and is a member of two investment advisory committees. She is a Chartered Financial Analyst (CFA) and graduate of the University of Western Ontario.

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Kelly Kempel

Kelly Kempel is a retired secondary school Principal from the Waterloo Region District School board and was appointed to ONE-T in January 2019 by the Principal/Vice-Principal Associations. As a former President of the Ontario Principals’ Council (OPC), Kelly was involved in the initial development of the ELHT and in member consultations during implementation. Kelly also has previous experience serving as a Board member for Family and Children Services of Waterloo Region. She is currently a member of two Board-level committees governing ONE-T: Audit, Finance and Investment as well as Governance.