$26 globo - rto-ero.org laquelle bijoux majesty est la croissance la plus rapide bijoutier à...

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0.06 kmÉco. moyen. est. 60,00 $ †

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BCBGMAXAZRIA CanadaApparel, Shoes & Accessories960 rue Ste-Catherine Ouest Montreal, QC Boutiques régulières : Rabais additionnel de 15 % sur toute la marchandise en boutique*Magasins « Factory » : Achetez-en un et obtenez-en un à 50 % de rabais**

Dernière mise à jour : Sep 9, 2016 Expiration : Dec 1, 2016

0.07 kmÉco. moyen. est. 30,00 $ †

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LacosteApparel, Shoes & Accessories1011 Rue Ste-Catherine Ouest Montreal, QC 15% de réduction sur vos achats à prix régulier!*

Dernière mise à jour : Oct 3, 2016 Expiration : Jan 1, 2017

0.10 kmÉco. moyen. est. 60,00 $ †

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BudgetAuto, Travel1225 Metcalfe Street Montreal, QC À leur prochaine location de voiture au Canada ou aux États-Unis ou location de camion auCanada, les membres bénéficient d’un rabais allant à 25% sur le tarif de base.*Économisez aussi davantage ...

Dernière mise à jour : Aug 9, 2016 Expiration : Feb 12, 2017

0.10 kmÉco. moyen. est. 50,00 $ †

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AvisAuto, Travel1225 Metcalfe Street Montreal, QC Nous sommes heureux d'orir aux membres un rabais allant à 25 %* sur le tarif de base.Économisez encore davantage avec les bons rabais, notamment celui de journée de week-end gratuite.

Dernière mise à jour : Sep 2, 2016 Expiration : Jan 1, 2017

0.11 kmÉco. moyen. est. 18,00 $ †

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Bikini VillageApparel, Shoes & Accessories1500 ave. McGill College Montréal, QC Uniquement pour Venngo: 15% de rabais sur votre achat. Valide sur marchandise a prixrégulier.

Dernière mise à jour : Sep 6, 2016 Expiration : Nov 1, 2016

0.14 kmÉco. moyen. est. 30,00 $ †

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The SourceComputers & Electronics1500 Mcgill College Ave Montreal, QC Bienvenue au programme préférentiel pour partenaire (PPP) de La Source! Avec le PPP,économiser jusqu’à 20 % sur une vaste sélection de la plus récente technologie et desmarques renommées. Profiter d...

Dernière mise à jour : Aug 26, 2016 Expiration : Mar 21, 2017

0.15 kmÉco. moyen. est. 22,50 $ †

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Banana RepublicApparel, Shoes & Accessories777 Rue Sainte Catherine Montreal, QC Profitez de 10% supplémentaire sur les articles à prix régulier en magasin et en ligne!


0.17 kmÉco. moyen. est. 10,00 $ †

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Kiehl'sBeauty, Flowers & Gifts760 Sainte-Catherine West Montreal, QC Achetez 2 produits ou plus et bénéficiez de 10$ de rabais en entrant le code promoexclusif!


0.20 kmÉco. moyen. est. 9,00 $ †

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SoftMocApparel, Shoes & Accessories705 Rue Sainte-Chatherine Quest Montreal, QC SoftMoc is a one-stop footwear retailer carrying a huge selection of name-brand, lifestylefootwear. Through Venngo you save 10% on all regular and sale priced merchandise atSoftMoc’s 100+ national r...


0.20 kmÉco. moyen. est. 25,00 $ †

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Le ChâteauApparel, Shoes & Accessories705 Rue St-Catherine Ouest Montreal, QC Profitez de 25 $ de rabais à l'achat de 125 $ ou plus! LE CHÂTEAU est un détaillantspécialisé orant aux hommes et aux femmes des looks branchés de la tête aux pieds,comprenant chaussures, sacs ...

Dernière mise à jour : Oct 18, 2016 Expiration : Nov 10, 2016

0.24 kmÉco. moyen. est. 18,00 $ †

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Houston Avenue Bar & Grill - Peel StreetDining & Food2042 Rue Peel Montréal, QC Profitez de 15% sur votre facture totale!

Dernière mise à jour : Sep 14, 2016 Expiration : Jul 26, 2017

0.27 kmÉco. moyen. est. 70,00 $ †

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m0851 Authentic Leather Made in MontrealApparel, Shoes & Accessories1190, boul. de Maisonneuve O. Montreal, QC Exclusivement pour Venngo: Économisez 15% sur les prix régulier et 5% sur les articles enventes!


0.28 kmÉco. moyen. est. 28,00 $ †

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Alamo Rent-A-CarTMAuto, Travel1200 Stanley Montreal, QC Le plaisir de conduire avec Alamo. Économisez jusqu’à 20 % sur votre prochaine location &un Surclassement gratuit.

Dernière mise à jour : Aug 25, 2016 Expiration : Jul 18, 2017

0.28 kmÉco. moyen. est. 27,31 $ †

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Enterprise Rent-A-Car™Auto, Travel, Business Services1200 Stanley Montreal, QC Ressentez-vous l’attrait de la route et des économies? Lorsque vous êtes prêt à partir,Enterprise vous facilite la tâche en vous orant de bons véhicules et des aubainesalléchantes, en plus d’un...


0.28 kmÉco. moyen. est. 28,00 $ †

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National Car Rental®Auto, Travel1200 Stanley Montreal, QC Économisez jusqu’à 20 % auprès de Location d’autos National. Choisissez National.Roulez comme un pro.


0.28 kmÉco. moyen. est. 15,75 $ †

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Tommy HilfigerApparel, Shoes & Accessories677 St. Catherine Ouest Montreal, QC 15 % de rabais sur le coût total de votre achat* *Cette ore ne s’applique qu’aux achatseectués en personne dans les boutiques Tommy Hilfiger du Canada. Les associés de PVHne peuvent pas bénéf...

Dernière mise à jour : Aug 30, 2016 Expiration : Nov 1, 2016

0.36 kmÉco. moyen. est. 18,00 $ †

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La Vie en RoseApparel, Shoes & Accessories1 Place Ville Marie Montreal, QC Exclusivement pour vous! Obtenez 20% de rabais sur tout achat de marchandise à prixrégulier et en solde (ne peut être jumelée à certaines autres ores - voir details enboutique). Ore valide du 1e...

Dernière mise à jour : Oct 3, 2016 Expiration : Dec 1, 2016

0.40 kmÉco. moyen. est. 230,00 $ †

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LASIK MDHealth & Wellness1250 Rene-Levesque Blvd. West Montreal, QC ÉCONOMISEZ 230 $ sur la correction de la vue au laser. En tant que membre corporatif,LASIK MD est fière de vous orir 230 $ de rabais sur votre correction de la vue au laser àLASIK MD.

Dernière mise à jour : Sep 29, 2016 Expiration : Oct 3, 2017

0.42 kmÉco. moyen. est. 16,50 $ †

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Decca 77Dining & Food1077 Rue Drummond Montreal, QC 15 % de réduction sur le dîner (facture totale) 50% de réduction sur les bouteilles de vin levendredi et le samedi soir - Applicable après 17 heures ou 19h30 les soirs où il y a desévénements spéci...


0.44 kmÉco. moyen. est. 1 000,00 $ †

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Boux MajestySpecialty, Shoes & Accessories1255 Phillips Square Montreal, QC Profitez de 20% de rabais supplémentaire sur les prix déjà gros! Venez découvrir la raisonpour laquelle Bijoux Majesty est la croissance la plus rapide bijoutier à Montréal et profiterde cette ore...

Dernière mise à jour : Aug 24, 2016 Expiration : May 6, 2017

conditions d'utilisationconfidentialitérenseignements sur la facturationsuggérer un perkaidez et FAQsÀ propos de nousmobile app

© Copyright 2016 Venngo Inc. Tous droits réservés. WorkPerks® est une marque déposée de Venngo Inc. Toutes autres marques de commerce sont la propriété de leurs propriétaires respectifs. Les économiesmoyennes estimées sont basées sur les expériences habituelles des utilisateurs. Les économies varient selon les individus.

†

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09:41

en ligneEco. moyen. est.† $20.64

ClubLink - Players ClubReceive preferred pricing with ClubLink's Players Club!




J’ai toujours utilisé MemberPerks pour les vêtements et j’ai économisé beaucoup sur les voyages.vêtements et j’ai économisé

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RolandMemberPerks est extrêmement facile à utiliser et très pratique. J’aime la facilité de l’utiliser n’importeoù / n’importe quand.

Un accès instantané à une liste croissante de plus de 1 800 rabais sur une variété de produits et services, allant des billets ou autres à des repas au restaurant en passant par des chaussures et des voyages. Disponible en ligne et sur les appareils mobiles!

Pour en apprendre plus au sujet du programme et pour commencer à économiser, veuillez visiter

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Facile à utiliser – en ligne et avec application mobileMeilleurs rabais offerts sur le marchéÉconomies de plus de 1 000 $ par annéeUtilisation illimitée pour les membres etleur familleRabais géolocalisés Choix de modes d’échange simples

®Copyright 2018 Venngo Inc. Tous droits réservés. MemberPerksMD est une marque de commerce déposée de Venngo Inc. Toutes les autres marques de commerce sont la propriété de leurs propriétaires respectifs. Les rabais affi chés peuvent varier selon le programme en vigueur. Les perks et les rabais peuvent être différents de ceux présentés et peuvent être modifi és sans préavis.

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20171201_RTO_Esprit_7X10_001.indd 22017-12-01 11:14 AM

Remplissez le formulaire d’adhésion ci-joint ainsi que les formulaires d’assurance santé et profitez des avantages d’être membre d’ERO/RTO.

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1.09 kmest. avg. savings $30.00 †

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The SourceComputers & Electronics6677 Meadowvale TC Circle Mississauga, ON Welcome to The Source’s Partners Savings Program (PSP)! With PSP, saveup to 20% on the widest selection of the latest technology and top brands,such as Beats, Samsung, Sony, and many more! Take adva...

Updated: Aug 26, 2016 Expires: Mar 21, 2017


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Turtle Jack's Hamilton / MeadowvaleDining & Food6610 Meadowvale - Town Centre Circle Mississauga, ON Turtle Jack's is pleased to oer Venngo members: 15% o all food andnon-alcoholic beverages.

Updated: Aug 24, 2016 Expires: Apr 20, 2017


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Choice Hotels CanadaTravel2420 Surveyor Road Mississauga, ON Choice Hotels is proud to oer you a discount of up to 20% atparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inmore than 35 countries worldwide. Join the Choice Privile...

Updated: Aug 24, 2016 Expires: Jun 4, 2017


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Enterprise Rent-A-Car™Auto, Travel, Business Services6465 Millcreek Mississauga, ON When you're ready to go, Enterprise makes it easy with great cars andgreat deals, plus a discount for members.

Updated: Aug 25, 2016 Expires: Jul 17, 2017


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Alamo Rent-A-CarTMAuto, Travel6465 Millcreek Mississauga, ON Drive Happy® with Alamo®. Save up to 20% on your next rental & A OneCar Class Upgrade



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BudgetAuto, Travel"6400 Millcreek Drive, Unit 4A" Mississauga, ON We are pleased to oer members up to 25% o base rates* on your nextcar rental in Canada and the USA, and on truck rentals in Canada. PLUS,save even more by taking advantage of our pre-pay rate...

Updated: Aug 9, 2016 Expires: Feb 12, 2017


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AvisAuto, Travel"6400 Millcreek Drive, Unit 4A" Mississauga, ON We are pleased to oer members up to 25%* o base rates. Save evenmore with money saving coupon oers, such as a free weekend day.Experience Avis Preferred® and accelerate your travel. Enroll...

Updated: Sep 2, 2016 Expires: Jan 1, 2017

2.69 kmest. avg. savings $360.00/year †

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Aradia Fitness MississaugaHealth & Wellness, Sports & Recreation2283 Argentia Road Mississauga, ON Aradia Fitness Mississauga is pleased to oer you: Two Weeks of classesfor only $25.00 (Reg. $30 for one class) OR a party for up to 8 ladies for$150 (Reg. $250) OR 30% o Annual Members...

Updated: Aug 24, 2016 Expires: Nov 11, 2016

2.88 kmest. avg. savings $1,750.00 †

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Streetsville HyundaiAuto, Sports & Recreation6215 Mississauga Rd. Mississauga, ON $200 over Dealer Invoice on any new in-stock Hyundai model. All currentHyundai incentives will also apply. Oil change special: $39.95 (a savings of13%) plus environmental fees and HST on most Hyu...

Updated: Jun 22, 2016 Expires: Dec 1, 2016


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Ribeye Jack's Ale HouseDining & Food6531 Mississauga Road Mississauga, ON 20% o food and non-alcoholic beverages at both our Mississauga andBurlington locations! Dine in or take out.



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Helix Hearing CareProfessional Services, Health & Wellness100 Queen St. South Mississauga, ON $1000 o premium Widex hearing aids and FREE accessory bundle worthup to $1300.



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Mondello RistoranteDining & Food127 Queen St South Streetsville,Mississauga, ON Venngo members get 10% o their meal. (Does not apply to prix fixemenus or to Chef's Tables).

Updated: Sep 21, 2016 Expires: Sep 15, 2017


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BorrowellProfessional Services, Financial ServicesVictoria St. Mississauga, ON VENNGO SPECIAL: Find Out Your Credit Score Free. Unsecured LoansWith Rates Starting at 5.6%. No Fees. No Impact To Your Credit. Money ByTomorrow.



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Loblaw Optical / EyewearHealth & Wellness, Shoes & Accessories3050 Argentia Rd. Mississauga, ON 40% o Frames AND Lenses with your complete eyewear purchase.Purchase one to three boxes of disposable contact lenses and save 10%.Purchase 4 or more boxes of disposable contact lenses and save...

Updated: Sep 1, 2016 Expires: Oct 1, 2016


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Dogtopia - Daycare, Boarding and SpaHome & Living, Specialty1840 Argentia Rd Mississauga, ON They are oering Venngo members - A Free FIRST day of play and receive10% o the purchase of a pass (not valid with any other promo).

Updated: Jun 22, 2016 Expires: Jun 8, 2017

3.55 kmvalued at $100.00

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Sleep Country CanadaHome & Living3135 Argentia Road Unit #1A Mississauga, ON 1) Get $100 towards any new mattress or mattress set of $600 or more. 2)Get $10 o every $50 you spend on Sleep Accessories† No cash value.Cannot be applied to prior purchases nor be combine...



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Bioped FootcareHealth & Wellness, Shoes & Accessories3029 Argentia Road Unit 103 Mississauga, ON Enjoy 25% o all o-the-shelf, in-stock, non-insured products available atany one of BioPed Footcare’s 75 clinics across Canada or online.



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Montana's Cookhouse ArgentiaDining & Food3065 Argentia Road Mississauga, ON 15% o your entire bill (food purchases only).



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Jack Astor’s Bar and GrillDining & Food2967 Argentia Road Mississauga, ON Receive 15% o* food & non-alcoholic beverages!

Updated: Aug 23, 2016 Expires: Jan 1, 2017


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Chuck E. Cheese'sDining & Food, Entertainment2945 Argentia Road Mississauga, ON Exclusive oers only for Venngo members: 1) 2 Large 1 Topping Pizzas, 4Soft Drinks, and 100 Tokens for only $59.99. 2) 105 Tokens for only $25.00.3) 1 Medium 1-Topp, 2 Drinks & 40 Tokens for $...

Updated: Sep 7, 2016 Expires: Mar 14, 2017

terms of useprivacy policybilling inquiriessuggest a perkhelp and FAQsabout usmobile apps

©Copyright 2016 Venngo Inc. All rights reserved. WorkPerks® is a registered trade-mark of Venngo Inc. All other trade-marks are the property of their respectiveowners. Estimated average savings are based on typical user experiences. Individual savings will vary. †

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perks by distance

est. avg. savings

ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! With PS ogram (PSP)! 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With PSup to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands, up to 20% on the widest selection of the latest technology and top brands,

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est. avg. savings

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est. avg. savings

er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% at er you a discount of up to 20% atparticipating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. Plus, at over 6,100 participating hotels, in participating hotels in Canada. 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est. avg. savings

eady to go, Enterprise makes it easy with g eady to go, Enterprise makes it easy with g eady to go, Enterprise makes it easy with g eady to go, Enterprise makes it easy with g eady to go, Enterprise makes it easy with g eady to go, Enterprise makes it easy with g eady to go, Enterprise makes it easy with g eady to go, Enterprise makes it easy with grrrrrreat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and eat cars and

est. avg. savings

09:41

onlineest. avg. savings† $26

GloboGet 25% off all regular-priced merchandise! Not applicable on sale and clearance merchandise, all Best Deals merchandise and Converse products.



I’ve used MemberPerks consistently for clothing and have saved a lot on travel.

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RolandMemberPerks are extremely easy to use and very convenient. I like theease of using it anywhere/anytime.

Instant access to a growing list of 1,800+ discounts on everything from tickets and dining to shoes and travel. Online and on the go!

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Easy to use — online and mobile appsBest available discounts inthe marketplaceSavings of up to $1000s per yearUnlimited use for members andtheir familyLocation-based presentationof discounts Simple redemption options

©Copyright 2018 Venngo Inc. All rights reserved. MemberPerks® is a registered trade-mark of Venngo Inc. All other trade-marks are the property of their respective owners. Discounts displayed may vary in live program. perks and/or discounts may not be as shown, and are subject to change without notice.

for


416-962-9463 (Toronto area) 1-800-361-9888 (Toll-free)www.rto-ero.org/retire-happy-join-rto

Fill out the enclosed membership and health insurance applications to enjoy RTO/ERO’s benefits of membership.

Check out our health insurance comparison chart.

Since 1968

Depuis 1968

Join and enjoy RTO/ERO’s MemberPerks® Affinity Program

RTO/ERO Celebrates 50 Years

ESPRIT

RTO/ERO membership and group insurance information

1.866.383.6646

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You've saved:

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1.09 km est. avg. savings $30.00†

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Turtle Jack's Hamilton / MeadowvaleDining & Food6610 Meadowvale - Town Centre Circle Mississauga, ON Turtle Jack's is pleased to o er Venngo members: 15% o all food andnon-alcoholic beverages.



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Choice Hotels CanadaTravel2420 Surveyor Road Mississauga, ON Choice Hotels is proud to o er you a discount of up to 20% atparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inmore than 35 countries worldwide. Join the Choice Privile...



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BudgetAuto, Travel"6400 Millcreek Drive, Unit 4A" Mississauga, ON We are pleased to o er members up to 25% o base rates* on your nextcar rental in Canada and the USA, and on truck rentals in Canada. PLUS,save even more by taking advantage of our pre-pay rate...



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AvisAuto, Travel"6400 Millcreek Drive, Unit 4A" Mississauga, ON We are pleased to o er members up to 25%* o base rates. Save evenmore with money saving coupon o ers, such as a free weekend day.Experience Avis Preferred® and accelerate your travel. Enroll...


2.69 km est. avg. savings $360.00/year†

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Aradia Fitness MississaugaHealth & Wellness, Sports & Recreation2283 Argentia Road Mississauga, ON Aradia Fitness Mississauga is pleased to o er you: Two Weeks of classesfor only $25.00 (Reg. $30 for one class) OR a party for up to 8 ladies for$150 (Reg. $250) OR 30% o Annual Members...


2.88 km est. avg. savings $1,750.00†

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Dogtopia - Daycare, Boarding and SpaHome & Living, Specialty1840 Argentia Rd Mississauga, ON They are o ering Venngo members - A Free FIRST day of play and receive10% o the purchase of a pass (not valid with any other promo).


3.55 km valued at $100.00

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Bioped FootcareHealth & Wellness, Shoes & Accessories3029 Argentia Road Unit 103 Mississauga, ON Enjoy 25% o all o -the-shelf, in-stock, non-insured products available atany one of BioPed Footcare’s 75 clinics across Canada or online.



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Jack Astor’s Bar and GrillDining & Food2967 Argentia Road Mississauga, ON Receive 15% o * food & non-alcoholic beverages!



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Chuck E. Cheese'sDining & Food, Entertainment2945 Argentia Road Mississauga, ON Exclusive o ers only for Venngo members: 1) 2 Large 1 Topping Pizzas, 4Soft Drinks, and 100 Tokens for only $59.99. 2) 105 Tokens for only $25.00.3) 1 Medium 1-Topp, 2 Drinks & 40 Tokens for $...


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©Copyright 2016 Venngo Inc. All rights reserved. WorkPerks® is a registered trade-mark of Venngo Inc. All other trade-marks are the property of their respectiveowners. Estimated average savings are based on typical user experiences. Individual savings will vary.†

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perks by distance

est. avg. savings

ogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSogram (PSP)! With PSup to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,up to 20% on the widest selection of the latest technology and top brands,

ake adva...ake adva...ake adva...ake adva...ake adva...ake adva...ake adva...ake adva...ake adva...ake adva...ake adva...ake adva...ake adva...ake adva...ake adva...ake adva...ake adva...ake adva...ake adva...ake adva...ake adva...ake adva...ake adva...ake adva...ake adva...ake adva...ake adva...ake adva...ake adva...ake adva...ake adva...

est. avg. savings

15% o15% o15% o15% o15% o15% o15% o15% o all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and all food and

est. avg. savings

er you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% ater you a discount of up to 20% atparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, inparticipating hotels in Canada. Plus, at over 6,100 participating hotels, in

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est. avg. savings

eady to go, Enterprise makes it easy with geady to go, Enterprise makes it easy with geady to go, Enterprise makes it easy with geady to go, Enterprise makes it easy with geady to go, Enterprise makes it easy with geady to go, Enterprise makes it easy with geady to go, Enterprise makes it easy with geady to go, Enterprise makes it easy with grrrrrreat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars andeat cars and

est. avg. savings

09:41

online est. avg. savings† $26





Arjuna





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for

20171201_RTO_Esprit_7X10_001.indd 1 2017-12-01 11:27 AM




Since 1968

Depuis 1968



ESPRIT


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You've saved:

$2,834



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perks by distance

est. avg. savings



est. avg. savings


est. avg. savings



est. avg. savings


est. avg. savings

09:41






Arjuna





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Since 1968

Depuis 1968



ESPRIT


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Our MissionWe improve the lives of our members and seniors.

Our VisionRTO/ERO is a bilingual trusted voice on healthy, active living in the retirement journey for the broader education community. Our insurance programs are designed by members for members. We promote a wide range of world-class programs, social networks and assistance throughout retirement.

Connect with us:416-962-9463 (Toronto area) 1-800-361-9888 (Toll-free)www.rto-ero.org/retire-happy-join-rto







Notre MissionNous améliorons la qualité de vie de nos membres et des aînés.

Notre VisionERO/RTO est un organisme bilingue reconnu et visant à permettre à ses membres retraités du secteur de l’éducation de mener une vie active et en santé. Nos programmes d’assurance sont conçus par nos membres et pour eux. Nous offronsune vaste gamme de programmes de très haute qualité, des réseaux sociaux et de l’assistance à la retraite.

Contactez-nous :416-962-9463 (région de Toronto)1-800-361-9888 (Sans frais)www.rto-ero.org/fr/pour-une-retraite-heureuse-joignez-vous-a-ero-rto

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Contents

THE PROCRASTINATOR’S GUIDETO RETIREMENT

TOP 31 MEMBERSHIP BENEFITS

YOUR ROAD TO RETIREMENT

RTO/ERO GROUP INSURANCE PLAN

RETIREMENT PLANNING FOREVERY GENERATION

FEATURE: RTO/ERO CELEBRATES50 YEARS

CAN YOU AFFORD TO RETIRE?

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2 rto-ero.org

Join RTO/ERO for seamless post-retirement benefits and member benefits. Contact Service Canada to apply for the Canada Pension Plan and old age security (OAS) entitlement. For info, visit canada.ca/en/services/benefits/publicpensions/cpp.html

Check with your financial adviser regarding any last-minute details.

Look up the first RTO/ERO event after you retire, and register.

Be in touch with HR to make sure you’ve completed all the forms and requirements.

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3.

4.

5.

Retiring soon? With our help, your happy retirement is 10 easy steps away.

The Procrastinator’s Guide to Retirement

rto-ero.org 3

Joining RTO/ERO rto-ero.org/retire-happy-join-rto

Canada Pension Plancanada.ca/en/services/benefits/publicpensions/cpp

OAScanada.ca/en/services/benefits/publicpensions/cpp/old-age-security

Johnson insurancejohnson.ca

RTO/ERO’s job and volunteer opportunity boardrto-ero.org/programs-services/job-and-volunteer-opportunities

Helpful links

Retire happy!

Check the expiry date on your passport.

Two-thirds of RTO/ERO members volunteer. Research a new volunteer “job” for post-work.

Advise Johnson Inc. or your insurance provider of your retirement date. You won’t be commuting to work after that date and are likely entitled to a discount.

Notify your colleagues of your retirement date and post-retirement contact information.

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WHO ARE WE?RTO/ERO is a bilingual trusted voice on healthy, active living in the retirement journey for the broader education community. Our insurance programs are designed by members for members. RTO/ERO welcomes members from the broader education community – including early years professionals, teachers, support staff and those working in school boards and the post-secondary sector.

Group Insurance

Social Activities

Discounts

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1800+ MemberPerks® via Venngo

HEARING AIDS

TRAVEL

HOME & AUTO INSURANCE

COURTYARD MARRIOTTTORONTO

LARGEST group insurance plan in Canada for education retirees

GROUP INSURANCE plans that are owned, designed and managed by your peers

GUARANTEED ACCEPTANCE within 60 days

GROUP PLAN RATE = FOR EVERYONE

GREAT COVERAGE across Canada - live anywhere without changing your insurance

FREE 93-DAY TRAVEL COVERAGE through our Extended Healthcare Plan

LOCAL EVENTSclubs and gatherings hosted by your peers

MERIT TRAVEL exclusive group and solo tours and discounts

LEADERSHIP OPPORTUNITIES

Top 31 Membership Benefits

4 rto-ero.org

rto-ero.org 5

Programs & Services

Publications

Support & Advocacy

Online Community

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RETIRING SOON? Whether you are retiring this year or within the next 5-15 years, join RTO/ERO to cruise through retirement worry-free! From insurance plans to discounts, we’ve got everything you need to retire happy and make your awesome years healthy and fun.

VOLUNTEER and job opportunities

PENSION SUPPORT AND ADVOCACY

$100,000 Project-Service to Others grant program

$37,500 annual scholarship program for family members

RTO/ERO FOUNDATION supports healthy aging research and resources

DISTRICT GOODWILL SUPPORT

BILINGUAL services and Francophone districts

LIVE & FRIENDLY one-on-one walk-in service

FAST RESPONSE TIME

HOST RETIREMENT PLANNING WORKSHOPS AND ADVICE

RENAISSANCEaward winning lifestyle magazine

LIAISON newsletter

TAX TIPS annual comprehensive document to help members duringtax season

POCKET PLANNER calendar

ENGAGE WITH RTO/ERO and other members via Facebook, Twitter, blogs, rto-ero.org and much more

JIM GRIEVE blog and vlogs

#LEADERSHIPSHINE monthly tweet chat

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RETIREMEN T

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YOUR ROAD TO Retirement

Are you ready to retire?Attend one of our Retirement Planning Workshops www.rto-ero.org/ rpw-schedule-list

It’s never too early to start thinking about retirement. Connect with us online— we’re here to help.

Set up an appointment with your financial planner and look into your pension, if you have one.

Consider your insurance needs:www.rto-ero.org/ group-insurance-plans

5-10 YEARS

15-20 YEARS

6 MONTHS

before you retire

before you retire

before you retire

6 rto-ero.org

5

RETIREMEN T

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1You are eligible to join RTO/ERO now. Make friends or join colleagues and enjoy various discounts, and services to help you transition into retirement.

Send in your RTO/ERO membership and group insurance applications before your current benefit plans end.

Notify your employer that you intend to retire.

RTO/ERO is here for you now, and here for your future.• Attend RTO/ERO events and get involved• Start travelling• Volunteer• Kick back and relax

1-5 YEARS

60 DAYS

before you retire

before you retire

rto-ero.org 7

EXTENDED HEALTH CARE PLAN Prescription drugs (85% reimbursement of ingredient costs)• $3,400 per calendar year including

sexual dysfunction medications and diabetic supplies

• Covers drugs that legally require a prescription, plus certain non-prescription drugs

• Brand name drugs covered if no generic is available or with physician authorization

• The $100 Ontario Drug Benefit (ODB) deductible is reimbursed based on eligible drug ingredient costs

Even if you are eligible for a Provincial Drug Benefit Plan, such as the ODB, it is still essential to have prescription drug coverage. The ODB covers less than half the prescription drugs currently available. Some of these are classified as “limited use” which means you must meet specified criteria for the drug to be covered by the ODB.

Paramedical practitioners (80% reimbursement)• $1,300 per calendar year for all

practitioners combined• Seventeen eligible practitioners:

acupuncturists, chiropodists, chiropractors, dieticians, herbalists, homeopaths, naturopaths, nutritionists, osteopaths, physiotherapists, podia-trists, registered clinical psychologists, psychotherapist, social workers, registered massage therapists, speech therapists and shiatsu therapists

• Acupuncture and foot care services provided by a registered nurse

• Reflexology services provided by one of the 17 eligible practitioners operating within their scope of practice

• Physician authorization not required

Vision care (80% reimbursement)• $400 every two years for prescription

eyewear (eyeglasses, sunglasses and contact lenses), laser eye surgery, and corneal incision

• Eye examinations to a maximum of $150 every two years

Aids and appliances (80% reimbursement)Devices, including insulin pumps, CPAP machines, hearing aids, orthotics, custom-made orthopaedic shoes, wheelchairs, walkers, prostheses and wigs

Accidental dental (80% reimbursement)Dental treatment required due to an acciden-tal blow to natural and artificial teeth

Additional benefits (80% reimbursement)Medically related educational programs, diagnostic laboratory tests, private duty nursing, and ground/air ambulance transportation

RTO/ERO GROUP Insurance Plan

8 rto-ero.org

Out-of-Province/Canada Travel (100% reimbursement)• Unlimited number of trips of up to 93

days in duration• Maximum $2,000,000 per insured/trip

for eligible emergency medical expenses incurred due to an accident or sudden illness while travelling outside your province of residence

• Pre-existing medical conditions are covered subject to a 90-day medical stability clause

• Air ambulance coverage• $6,000 trip cancellation and

interruption/delay per person/trip• Pre-trip planning assistance

Eldercare Select• Expert guidance and support to

address a specific caregiving challenge with a loved one such as a parent, grandparent, spouse or anyone else for whom you have care responsibilities

• A customized plan of action and geriatric reports

Best Doctors®• A suite of services enabling you to draw

on the knowledge of the best medical minds in the world to help you get the right diagnosis, the right treatment and the right care

• Expert opinion about your medical diagnosis and treatment options

• Assistance locating a top specialist or treatment facility, locally or globally

Venngo MemberPerks®Venngo MemberPerks® offers 1800+ discounts off the retail prices of many items such as health and wellness products, membership to GoodLife Fitness, services, events and much more.

SEMI-PRIVATE HOSPITAL AND CONVALESCENT CARE PLANCoverage for the cost of a semi-private room, as well as assistance post-discharge in a facility or in your own home with the activities of daily living, ambulation and exercise, and homemaker services.

Semi-Private Hospital (95% reimbursement)• Unlimited maximum• Daily semi-private room charges in

a licensed hospital

Convalescent Care (80% reimbursement)Home care up to $75/day following:• A 24 hour hospital stay for a maximum 30

days• Non-elective day surgery for a

maximum 3 daysFacility care up to $75/day for a temporary stay in a long term care facility following a 24 hour hospitalization for a maximum 30 days per year

rto-ero.org 9

DENTAL PLANReimbursements are made according to the 2018 Provincial Fee Guide for General Practitioners.

Basic and Preventive (85% reimbursement)• Unlimited maximum• One standard oral examination, recall

oral examination, polishing and fluoride applications every nine months

• Includes fillings, x-rays and repairs/re-base/relining of existing dentures

Endodontics and Periodontics (80% reimbursement)• $850 annual maximum• Includes root canal therapy, treatment

of bones and tissues, scaling and occlusal equilibration

Major Restorative (50% reimbursement)Two separate maximums under the Major Restorative benefit:• $800 annual maximum for crowns,

posts, onlays and inlays, including crowns on implants

• $800 annual maximum for fixed bridges and partial dentures, including those on implants

SUPPLEMENTAL TRAVEL PLANThe Supplemental Travel Plan provides flexible and affordable coverage for trips that exceed 93 days to a maximum trip duration of 212 days for residents of Ontario, British Columbia, Alberta, Manitoba, New Brunswick, and Newfoundland and Labrador or 182 days for residents of all other provinces.

• Guaranteed acceptance without a medical questionnaire

• Rates based on age and trip duration• Available exclusively to Extended

Health Care Plan participants• Offers identical coverage as under the

Out-of-Province/Canada Travel benefit

*RTO/ERO’s Plan is group insurance and is therefore subject to provincial retail sales tax (8% in Ontario, 9% in Quebec). These rates exclude retail sales tax. Our Plans are eligible for CRA’s medical expense tax credit. Premiums are deducted one month in advance of the month of coverage.

Monthly cost - January 1 to December 31, 2018*

DENTAL

EXTENDED HEALTH CARE

SEMI-PRIVATE HOSPITAL AND CONVALESCENT CARE

SINGLE COUPLE FAMILY

$58.21

$95.11

$14.60

$114.78

$190.25

$29.16

$143.14

$228.32

$34.28

10 rto-ero.org

rto-ero.org 11

Retirement Planning for Every Generation

by Jim Grieve, Executive Director, RTO/ERO

I think retirement planning and learning are similar in many ways:• important at any age• about the journey, not just the destination• more fun and successful when done as part of a learning community

TIME IS AN ASSET FOR GEN YBelieve it or not, our youngest RTO/ERO member is in his 20s. It goes to show that it’s never too early to start thinking about retirement. As a Millennial, you’re starting out your career, but this is also a great time to start saving, because you have time on your side. Even if you’re paying off student loans and saving for other important life goals, putting a small percentage of your income toward retirement savings will really pay off. Because you have decades until retirement, your investment will grow over the years. This is also a good time to find a financial advisor, if you don’t already have one — so you have sound fiscal advice in the years ahead.

FOR GEN X, KNOWLEDGE IS POWERA study shows that only 12 per cent of Gen Xers have estimated their retirement needs. Attending a retirement planning workshop, like those hosted by RTO/ERO, is one great way to calculate retirement needs and access tips and tools. For Gen X, caught in the squeeze of paying the mort-gage, saving for children’s post-secondary education and trying to save for retirement, the strategy is to save as much as you can, as early as you can. Many Gen Xers put off planning until they’re closer to retirement — not realizing the benefits of planning early. It also helps to talk to retired colleagues to find out what they would have done differently. This kind of advice is priceless.

BABY BOOMERS CAN STILL ‘CATCH UP’ ON RETIREMENT SAVINGSFor Baby Boomers who are within five to 10 years of retirement, it’s not too late to makeup for “lost time” and create a plan that meets your needs for the next stage of your life journey. Here are some ways to make that happen:

Attend one or more retirement planning workshops, to make sure you have the information you need. To find a workshop near you, visit rto-ero.org/join-us/ retirement-planning-workshops.

Prioritize your own retirement needs and accelerate your retirement savings.

Prepare for the transition to retirement by connecting with new communities. Joining a membership group such as RTO/ERO is one good example.

@JimAwesomeYears

Whatever your stage in life, there’s an opportunity to consider where you are in your “retirement journey.”

•

•

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@

The Retired Teachers of Ontario is proudly celebrating 50 years in 2018. The organization started out as a grassroots initiative to look out for the pension needs and interests of retired teachers in Ontario. It has now evolved into a 76,000 member strong organization that welcomes not only teachers but also all retirees from the broader education community. This means that if you are a human resources, communications professional, an early childhood educator or custodian you are eligible to join RTO/ERO.

Highlights

1968 1970

April 1, 1970RTO/ERO Group Insurance plans, in effect

October 30, 1985 The Superannuated Teachers of Ontario was incorporated

1996

January 1996RTO/ERO gets its first e-mail and website addresses.

March 14, 1968RTO/ERO’s founding date and first-ever senate

12 rto-ero.org

RTO/ERO turns 50!

1985

July 1, 1998 STO/ERO becomes RTO/ERO

October 27, 1999RTO/ERO office moves to 18 Spadina Road.

May 18, 2010 RTO/ERO Foundation was established

October 10, 2010RTO/ERO joins Facebook

November 1, 1998 Project Service-to-Others committee is created.

The Ontario Teachers Superannuation Commission is renamed the Ontario Teachers’ Pension Plan Board.

September 23, 2008 First Presidents’workshop

2018 RTO/ERO turns 50

Members join RTO/ERO because we have 50 years of experience listening to retirees and we know what they need to enjoy a worry-free retirement. We have accomplished a lot all in the spirit of making retirement a smooth and enjoyable journey.

rto-ero.org 13

1998 1999

2008 2010

2018

Can you afford to retire?How to get your finances retirement-ready

By Stuart FoxmanIt’s never too late to make smart financial decisions for retirement.

That’s true even – sometimes especially – in the last five years before leaving the workforce. Your past savings, present investments and future

retirement income have set the stage. Now is the time for some crucial decisions. Tick these off your to-do list.

1

2

Fine tune and think strategicallyFinancial plans are ongoing. You’ll likely have an even better sense of your retirement goals, assets and possible expenses. With that, make some final pre-retirement financial tweaks. Should you make a last push in RRSPs. Splurge while you have disposable income? Re-allocate assets? Downsize before or after retiring? Or at all? Check in with your financial advisor to discuss all of the implications.

With just a few earning years left, ensure your plan still fits. That means updating your saving, spending and tax-efficient withdrawal strategies as needed, says Doug Lamb, a Toronto-based certified financial planner.

Try to pay off debtMargaret Coleman, District 11, Waterloo was on track to carry her mortgage into retirement. So she accelerated her pay-ments. Coleman never missed the extra money coming off her account, and three years before retiring she was mort-gage-free. “Getting that paid off was the best thing I did,” she says.

She also anticipated a future expense – replacing her aging car, which she owned outright. For the last three years of her work life, Coleman contributed the equivalent of a car payment every two weeks into a tax-free savings account. She saved $11,000, which she put to-wards a new car after she retired. Great advance thinking to cut down a debt.

Seek advice widelyGo beyond your financial advisor to test drive your plans. Take advantage of retirement seminars, and pick the brains of friends or family who’ve already retired. “It’s a whole different world, and you’re trying to get your head around it,” says Coleman.

Rick Atkinson, author of the book Strategies for Retiring Right, says people should create a thorough retirement vision – their financial picture, and also what a balanced lifestyle looks like. How will they maintain their physical, mental and spiritual health? What will make them happy? Then run that vision by a small and trusted circle.

rto-ero.org 15

Be flexibleWith people retiring younger and living longer, you may have to fund a retirement that lasts decades. Your goals may have timelines. Yet those can shift, and you need the funds available to adjust.

Coleman had a heart attack a year before she retired, and didn’t take anything for granted. She decided to front load some of her big spending, taking early CPP and travelling to Russia, Turkey, India and Peru. “I wanted to kick things off my bucket list,” she says.

To make the best financial choices, think carefully about what you really want to do in retirement and at what stage. Now that you can see the finish line, all of your plans come into sharper focus.

4 5

3

Consider how continued work fits inLamb defines true retirement as the point where you no longer rely on work for money. That has ramifications on your plans. Many people choose to keep work-ing after retiring from a career, maybe part-time in the same field or in a whole new area. There’s a difference, however, between working for extra pocket money or to make ends meet.

Play with different scenarios around your revenue and spending, says Lamb. If your plan isn’t viable without more income, and you’re not willing or able to cut expenses, think about delaying retirement.

We share member stories, host social-media exclusive contests and post the latest RTO/ERO news. RTO/ERO’s social networks are also great places to connect with RTO/ERO friends and partners:

• Healthy aging tips, information and resources

• Fun member stories, photos and contests

• Provincial Office news and announcements

• Retirement ideas and inspiration

• Connections with like-minded retirees

• Join Executive Director Jim Grieve hosting #leadershipshine tweet chat (3rd Wednesday of every month).

Calling all social butterflies— connect with RTO/ERO online

Facebook: www.facebook.com/rto.ero/

Twitter: @rto_ero

LinkedIn: www.linkedin.com/in/jimgrieve

YouTube: bit.ly/rto-ero_youtube

DISCOVER

16 rto-ero.org

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Depuis 1968



ESPRIT


3834 Cover-

1-

Front-

Cyan-

Magenta-

Yellow-

Black-

Dieline-

XK3-E-A

-A

-B

-C

-D

-E

$26 globo - rto-ero.org laquelle bijoux majesty est la croissance la plus rapide bijoutier à...

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