RTO/ERO uses cost of living increases to set insurance premiums, with a 4% increase for extended health care and 2.5% for dental in 2016. Members can join RTO/ERO insurance while traveling abroad and the insurance will become effective when they return home. Members have until February 29, 2016 to switch from RTIP/ARM to RTO/ERO insurance without a medical examination. While RTO/ERO membership requires paying dues and insurance, the value extends beyond access to group insurance with various member advantages and advocacy. RTO/ERO insurance may seem more expensive than other plans initially but provides better overall value and coverage for a low daily cost.

1. #RTOInsuranceWindow
FAQs
RTO/ERO open
enrolment window
for RTIP/ARM
policy holders

2. #RTOInsuranceWindow
How do RTO/ERO insurance
premium increases compare
to RTIP/ARM?
RTO/EROusespensioncost-of-
livingtosetpremiumincreases
2016:4% increaseforExtended
HealthCare,2.5% forDentaland
0% increaseSemi-Private
Hospital

3. I’m travelling out-of-country.
Can I still join RTO/ERO?
Yes!JointodayasanRTO/EROmemberand
applyforRTO/ERO’sinsurance
RTO/EROinsurancewillbeeffectivethe
monthyoureturnfromyourtrip
Keepproofofthedateyoureturntoyour
provinceofresidence
CancelyourRTIP/ARMinsurancewhen
you’rehome
#RTOInsuranceWindow

4. How long do I have to switch
from RTIP/ARM without a
medical?
UntilFeb.29,2016
Visitwww.rto-ero.org/here-
for-your-futurefordetails
#RTOInsuranceWindow

5. Why do I need to pay twice –
for membership and insurance?
ThevalueofRTO/EROmembership
extendsfarbeyondaccesstogroup
insurance
Membershipadvantagesinclude
affinityprograms,traveldiscounts,
pensionsupportandadvocacy– and
muchmore
#RTOInsuranceWindow

6. RTO/ERO seems more expensive
than my RTIP/ARM insurance.
Why would I switch?
Lookatoverallvalueandcoverage
Forlessthanthecostofacoffeeaday,
RTO/EROinsuranceprovides
hundredsofdollarsinextradrugand
visioncoverage— andmuchmore
Call1-800-361-9888fordetails
#RTOInsuranceWindow