Frequently Asked Questions - Dependants

Dependants include a legal spouse to whom you are married, a common-law spouse who is living with you in a conjugal relationship, a same-sex partner who is living with you in a conjugal relationship, or a former spouse for whom insurance protection for some of the benefits available under the employer’s benefit program is mandated by court order.

Dependant children are also eligible for coverage under your plan. This may include an unmarried, natural, adopted, or stepchild of you or your spouse providing your spouse is living with you and has custody of the child.

1. Fill in your Basic Personal Data
2. Check the box marked Family in the applicable Health and/or Dental sections in Part E.
3. Complete all information in the Individual Registration section, including First, Initial and Last Name; Gender and Date of Birth.
4. Sign and date the form.

If you do not have any eligible dependants when you join the Group Plan, inform OTIP as soon as you do acquire a dependant (e.g., when you get married, start living in a common-law arrangement, or have a child). Complete the required forms so your spouse and/or child can be included on your benefits.

OTIP must be notified within 31 days of the date a dependant becomes eligible. If this does not occur, the dependant will be considered a "late applicant" for benefits. He/she will then have to submit satisfactory evidence of insurability, and will have to follow the same procedures described under Evidence of Insurability.

To avoid any chance of coverage being refused or limited, you need to enroll your dependant(s) with OTIP within 31 days of;

1. the baby being born;
2. the marriage;
3. the one-year anniversary of the common-law or same-sex partner’s cohabitation.

To add these dependants, complete a Health and Dental Change Form.

An overage dependant is a child between the ages of 19 and 25 years old (until the date of his/her 25th birthday) who is enrolled full-time at an accredited high school or post-secondary institution. There is no out-of-country coverage available through this plan. If your child is enrolled in a post-secondary institution outside of Canada, he/she will only be eligible for coverage of products and services rendered while he/she is in Canada.

Children who are incapable of supporting themselves because of a physical or mental disorder are covered without age limit if the disorder begins before they turn 19, or while they are students under 25, and if the disorder has been continuous since that time.

If you have an overage dependant you must provide OTIP with the dependant’s proof of attendance at a high school or post-secondary institution. You must complete the Overage Dependent Student Form and return it to OTIP each year by September 30 while they are attending.

Important Note: Any member who does not provide the requested information to OTIP by September 30 will have his/her overage dependant coverage suspended immediately. The member then may be required to provide the overage dependant’s medical evidence of insurability to have the overage dependant reinstated and, if approved, the overage dependant may be subject to reduced coverage for the first year of benefits. The member will be responsible for any costs involved.

Yes, a card is available. Drug cards are automatically produced for overage dependants who are between the ages of 19 and 25. If you do not receive a card for your overage dependant(s), please contact an OTIP benefits services representative at 1-888-521-0023 to request the card(s).

No, there is no coverage for services or products provided outside of Canada for anyone under your plan. An overage dependant would need to arrange alternative coverage through the post-secondary institution or through an individual benefit plan.

Your dependant’s school will require confirmation that he/she is covered under your plan in order to opt out. You may request a letter from OTIP by contacting a benefits services representative at 1-888-521-0023.