Why Substitute Teacher Benefits in Saskatchewan Are MIA—And How TIP Can Help

Substitute teachers are the backbone of the education system, stepping in at a moment’s notice to keep classrooms running smoothly. One day, you’re wrangling kindergartners, the next, you’re explaining algebra to a room full of skeptical teens. It’s a tough gig, but here’s the kicker—there’s no group benefits plan to support you.

That’s right. If you’re a sub in Saskatchewan, you don’t have access to employer-provided health and dental coverage like your full-time colleagues. You’re left figuring it out on your own, crossing your fingers that you don’t get hit with a surprise dental bill or an unexpected prescription cost.

So, why is that? And, more importantly, how can you protect yourself?

A teacher smiling while accepting a bouquet of flowers from a student, showing appreciation and gratitude.

Substitute Teachers and Benefits: The Missing Piece

In Saskatchewan, only full-time, contracted teachers qualify for traditional group benefits through their employer. If you’re a sub, you’re typically classified as a casual employee—meaning no guaranteed hours, no job security, and definitely no benefits package.

While there are discussions here and there about whether that should change, the reality is simple: there’s no consistent, province-wide coverage for substitute teachers—and there’s no clear timeline for that to change.

But the good news? You don’t have to wait.

TIP: A Group Plan Without the Red Tape

Rather than getting stuck in the endless debate about who should be responsible for substitute teacher benefits, TIP offers a simple, no-nonsense solution that works right now.

Here’s why TIP is different:

1. Group Coverage—No Full-Time Contract Required

TIP functions like a traditional group plan but is designed for those who don’t receive benefits through an employer. That means substitute teachers can get affordable health, dental, and extended benefits without having to wait for a permanent position.

2. Stability, Even When Your Schedule Isn’t

Some weeks you’re fully booked, other weeks you’re waiting for the call. TIP ensures your health coverage stays consistent, no matter how many days you work.

3. No Health Questions, No Exclusions

Unlike traditional individual health insurance (which can be pricey and require medical questionnaires), TIP has no health questions and no exclusions for pre-existing conditions. Everyone is covered—simple as that.

4. Coverage That Actually Covers You

TIP includes prescriptions, dental, vision, mental health support, and paramedical services like physiotherapy, chiropractic, and massage. Whether you need new glasses, a cavity filled, or help recovering from an awkward desk injury (we’ve all been there), TIP has you covered.

Substitute Teachers Deserve Better—TIP Makes It Happen

Substitutes do essential work, stepping in whenever they’re needed. So why should they have to gamble with their health coverage?

The reality is, waiting for a solution from “the system” isn’t going to cut it. TIP offers substitute teachers the stability and security they need—without the politics, the waiting, or the endless back-and-forth.

Get Covered Today

No more waiting. No more uncertainty. Join TIP today and get the coverage you deserve.

👉 Sign up now and let TIP take care of the rest!