Web Analytics Made Easy -
Sign in with LinkedIn

(Mobile users scroll down for more content)

A- A A+
You Belong Here

Providing a strong and active voice for a voluntary membership of over 77,000,
the Retired Teachers of Ontario is a full-service organization offering:

• Excellent health care coverage
• Pension support
• Bilingual services
• Advocacy on social, political and economic issues
• Group travel programs
Stacks Image 47041
Compare RTOERO and RTIP plans > See our comparison chart

2021 RTOERO Retirement Planning Workshops are available online

Attend a free retirement planning workshop in your area to learn what you need to know, connect with peers at the same stage as you and walk away with answers, resources, and clarity on your next steps. Reserve your spot.

> Retirement planning workshops - RTOERO

Click Here to Complete a Membership Application Form
(Opens in new tab or window)

RTO/ERO Corporate Videos
(High-speed Internet Service recommended)

>Video 1 (English)
>Video 2 (Français)

Your Future with RTO/ERO offers Membership Choices!


(Teacher, school and board administrators):
$1.20 per $1,000 of gross pension, deducted annually by the Ontario Teachers' Pension plan.

OR . . .


(Educational support staff, university and college faculty):
Contact us for fees.


• Communication from both Provincial and District levels

• After more than 40 years, RTO/ERO continues to provide service to members who range in age from 50 to over 100.

• RTO/ERO is the only organization with representation from elementary, secondary, public, Catholic and francophone schools.

• We also welcome college and university faculty, and educational support staff from schools and school boards.

• Most RTO/ERO members live in Ontario and are affiliated with one of 47 Districts into which the organization is divided, including two Districts in British Columbia.

• At the District level, members participate in social, travel and leisure opportunities, political advocacy and District Executive leadership roles.

• At the Provincial level, members are actively involved in the Senate (the governing body of RTO/ERO), the Provincial Executive and several committees.


Click Here to View Our Health Plans
(Opens in new tab or window)

Contact Johnson Inc.
Johnson Inc.
Plan Benefit Service
18 Spadina Road, Suite 100A Toronto, ON M5R 2S7

Johnson Inc. serves as Consultant, Administrator and Claims Payor for RTO/ERO’s Health Plans.

Benefits of Membership

Since 1968, The Retired Teachers of Ontario/ Les enseignantes et enseignants retraités de l'Ontario (RTO/ERO) has provided excellent programs and services for teachers, school and board administrators, educational support staff, and college and university faculty in retirement.


• Comprehensive, competitive and affordable Extended Health, Semi-Private Hospital and Dental Plans

• Plans offered independently, with single, couple or family coverage

• The largest Canadian retired educator health plan covering over 68,000 members and their dependents

• Our Plan is owned and managed by RTO/ERO members and available only to members

• Plan highlights: direct payment to pharmacies; electronic submission of dental claims; direct deposit of claim payments; paramedical practitioner services; vision care; home care; and travel coverage while outside of province and country


• District structure across Ontario, and two Districts in British Columbia

• Social and networking opportunities including luncheons, dinners, meetings and guest speakers; recreational activities such as golf and bridge tournaments; travel to theatre and sporting events

• Provincial committees, Senate, workshops, online discussion forums


• Monitoring of pension legislation, comments on proposed changes and recommends improvements for retired teachers, when appropriate

• Participation in regular discussions with the Ontario Teachers' Federation (OTF)

• Voting member on the OTF Pension and Pension Negotiations Committees, representing members in pension negotiations with the Provincial Government


• Provincially, committees and staff lobby all levels of government on issues of concern to educators and retirees, including health care, support for active teachers and publicly-funded education, seniors' issues, and the environment

• Locally, members organize meetings and lobby local MPs and MPPs


• RTO/ERO publishes a national award-winning quarterly magazine, Renaissance, for all members, and monthly newsletters for Provincial and District leaders

• Over 50 Fact Sheets on social, health, legal and financial matters of interest to retirees are available to members

• Tax Tips and Pocket Calendars are produced annually

• Professionally designed provincial public and members' only websites

• District websites supported by provincial technical assistance


• Community outreach through Project – Service to Others, a $100,000 grant program for Districts to support local community projects

• Scholarships for members' relatives actively seeking a career in teaching

• Provincial charitable donations policy


• Provincial Emergency Assistance Program

• District Goodwill Committees – rides to appointments, banking, social events and compassionate support


• Members travel the world with specially designed cruises and tours at discounted rates

• Professionally designed exclusive travel packages for our members


• Resource and expertise collaboration with provincial and national organizations to improve the quality of life for retirees (e.g. CARP, The Canadian Association of Retired Teachers (ACER/CART), the Ontario Network for the Prevention of Elder Abuse (ONPEA), the Ontario Retirement Communities Association (ORCA); provincial teacher affiliates, and trustee, supervisory officer and principals' organizations)