Health and Dental Questions
How do I log in to my health and dental plan?
If your benefits are provided through your employee benefits plan:
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Go to www.otip.com and click Log in.
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Select Health and Dental from the drop-down menu.
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Enter your OTIP identification number (can be found on your benefits card), date of birth and the password you created when you registered.
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Click Log in.
If you are an RTIP member:
You will need to register for the new RTIP plan member secure site. View step-by-step instructions on how to register. Once your account has been created, you can log in using the following steps:
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Go to www.otip.com and click Log in.
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Select RTIP (for retired members) from the drop-down menu and log in.
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Once you are logged in, submit and view the status of claims, check your coverage, and update your account information.
What should I do if I forget my password?
Here’s how you can reset your password:
If your benefits are provided through your employee benefits plan:
- Go to www.otip.com.
- Click log in on the top right corner of the website and select Health and Dental from the drop-down menu.
- Enter your OTIP Identification Number (found on your benefits card) and date of birth.
- Click on Forgot password? and follow the instructions.
If you need assistance, please contact OTIP Benefits Services at 1-866-783-6847.
If you are an RTIP member:
- Visit www.otip.com and click Log in.
- Select RTIP (For retired members) from the drop-down menu.
- Click on forgot password and follow the instructions.
If you need assistance, please contact the RTIP Contact Centre at 1-833-318-2811.
How do I change my password?
If your benefits are provided through your employee benefits plan:
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Go to www.otip.com and click Log in.
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Select Health and Dental from the drop-down menu and log in.
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After you have logged in, click Security Setting on the top right-hand side.
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Click Change password.
If you are an RTIP member:
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Go to www.otip.com and click Log in.
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Select RTIP (for retired members) from the drop-down menu and log in.
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After you have logged in, you will see your name in the top right corner, click the drop-down arrow and select Your OTIP Account.
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Under the All About You tab select “Change your password (1234 won’t cut it…).”
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Using the password criteria listed, create your new password.
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Click Save Changes.
I am locked out of my account. How do I regain access?
Contact OTIP Benefits Services at 1-866-783-6847 and they will reset your password for you.
Where can I find my benefits booklet?
If your benefits are provided through your employee benefits plan:
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Go to www.otip.com and click Log in.
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Select Health and Dental from the drop-down menu and log in.
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After you have logged in, select Benefits Booklet (plan details) from under the My Library drop down menu.
If you are an RTIP member:
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Go to www.otip.com and click Log in.
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Select RTIP (for retired members) from the drop-down menu and log in.
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After you have logged in, you will see your name in the top right corner, click the drop-down arrow and select Your OTIP Account.
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Under the Your Coverage tab select “Your RTIP Contract.”
How do I register for online access to my plan? What kind of services are included?
If your benefits are provided through your employee benefits plan:
You should have received an email inviting you to set up your access to the OTIP’s secure member site. If you did not or cannot locate your email, please call OTIP Benefits Services at 1-866-783-6847. For more information about registering, view the Login help page.
If you are a CUPE-EWBT member, view the CUPE enrolment help page.
If you are an RTIP member:
If this is your first time using the RTIP plan member secure site, you will need to register your account. View step-by-step instructions on how to register. Once your account has been created, you can log in using the following steps:
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Go to www.otip.com and click Log in.
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Select RTIP (for retired members) from the drop-down menu and log in.
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Once you are logged in, submit and view the status of claims, check your coverage, and update your account information
Online services include:
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Online claims submission
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Direct deposit
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Details of your benefits coverage
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Access to your RTIP Contract
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Status of current and previously submitted claims
How do I submit claims online?
You must be registered in order to submit claims online. Find out how to register for online access to your plan.
Once you are registered, submitting your claims online is easy!
If your benefits are provided through your employee benefits plan:
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Go to www.otip.com and click Log in.
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Select Health and Dental from the drop-down menu.
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After you have logged in, click My Claims.
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Click the Submit a claim button.
If you are an RTIP member:
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Go to www.otip.com and click Log in.
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Select RTIP (for retired members) from the drop-down menu and log in.
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Select Your Claims and Submit a Claim.
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Follow steps provided to submit your claim.
How do I check on the status of a benefits claim?
If your benefits are provided through your employee benefits plan (except CUPE):
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Go to www.otip.com and click Log in.
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On the top of page banner, hover over Claims.
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Under Claims History select Online claims status.
If you are an RTIP member:
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Go to www.otip.com and click Log in.
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Select RTIP (for retired members) from the drop-down menu and log in.
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On your account homepage you will see your recent claims, along with their status. To view all of your claims, click Your Claims and then Claims History.
Why do I need a doctor's referral?
Depending on your plan, some services, such as massage therapy, may require a doctor’s referral before you can submit a claim for reimbursement. (NOTE: The doctor’s referral can be dated after the date of service.)
You can find out if you require a doctor’s referral for a service by checking your benefits booklet. If a doctor’s referral is required, you will need to obtain one every 12 months.
When submitting an online claim, you will be asked to confirm if you received a doctor’s referral. You will need to provide this referral if you are selected for a random audit.
How do I submit a claim for orthodontic expenses?
Not applicable to RTIP members.
If you are covered under an employee group plan (non-CUPE member):
In most cases, your dental office will submit your claim on your behalf. If your dental provider cannot do this, you can submit the claim online choosing ‘Dental/Orthodontics’ from the Select service provider type list.
NOTE: We recommend you submit an estimate or a “predetermination of benefits” for orthodontic treatments or services to verify what your plan will cover and any amounts used to date.
Submission of a pre-treatment plan can include:
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Type of malocclusion and class
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Duration of the treatment
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Breakdown of fees into initial and monthly/quarterly fees
Other important reminders:
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For all major services, please ask your dentist to provide X-rays for pre-determinations. The X-rays will be returned to your dentist once the review is complete.
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Please call OTIP Benefits Services at 1-866-783-6847 to confirm if your plan allows lump sum payments.
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Please submit all receipts within 12 months of the date of service.
How do I know if a dental treatment is covered?
If you are covered under an employee group plan (non-CUPE member):
We recommend you or your dental practitioner submit an estimate or a pre-determination for dental treatments or services to verify what your plan will cover, plan maximums and any amounts used to date.
You can also contact OTIP Benefits Services at 1-866-783-6847 to discuss and review your dental coverage.
If you are an RTIP member:
You can log in to the RTIP plan member secure site to verify your coverage or contact the RTIP Contact Centre at 1-833-318-2811.
You can email claims@rtip.otip.com for questions about:
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Claims
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Coverage
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Your OTIP ID
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Plan member secure site
How do I update my benefits during a leave?
If you are covered under an employee group plan:
Once your school board informs OTIP of your leave status, you will receive an email to review and update your benefits.
How do I get my claim statement for last year?
If your benefits are provided through your employee benefits plan:
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Select Health and Dental from the drop-down menu and log in.
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After you have logged in, click My Claims.
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Click the Search my claims button and enter the information for your search.
If you are an RTIP member:
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Select RTIP (for retired members) from the drop-down menu and log in.
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Click Your Claims and then select Claims History from the drop-down menu. When viewing your claims history, you will be able to search by claim type, date, family member, and status.
How do I get enough medication to take with me on vacation?
If you are covered under an employee group benefits plan (non-CUPE member):
You can send a secure email to OTIP Benefits Services or call us at 18667836847 and provide the following:
If you are an RTIP member:
At any time, members can receive or order an extra supply of medication from their local pharmacy and not pay out of pocket. The pharmacy will update RTIP that the medication request was for extra day supply.
Questions? Please contact the RTIP Contact Centre at 1-833-318-2811.
How do I add dental coverage to my RTIP plan?
RTIP dental coverage is optional and can be added to any of our retiree health plans, or purchased alone, at any time. Coverage start date may vary depending on when the plan change is received. Plan changes received prior to the 15th of the month will be made effective as of the 1st of that month. Any changes received after the 15th of the month will be made effective in the following month.
To add dental coverage, please contact the RTIP Contact Centre by calling 1-800-267-6847 or emailing planchangesandbilling@rtip.otip.com.
If you purchase or add this coverage at a later date, there is no penalty or restriction period before you can claim full benefits. The only requirement is that you remain enrolled for at least 12 months after adding dental care to your plan. If you decide to cancel your dental coverage after the minimum 12-month requirement, you must wait 24 months before you can repurchase it.
Related Information
I’m not sure if my recent drug prescription is not covered by my health plan. How can I check my drug coverage eligibility?
Your drug plan provides coverage for a list of prescription drugs. Although some drugs are not covered under your plan, a suitable alternative can usually be found within the formulary and is available at a lower cost. For covered alternatives, we ask that you can review your options with your doctor.
If you are covered under an employee group plan (non-CUPE member):
You may also find it useful to use our online tool, My drug plan. It includes a drug lookup tool that can help you find out whether a drug is covered under your benefits plan, the approximate out-of-pocket expense to purchase the drug, as well as any lower-cost alternatives (typically a generic if one is available). With My drug plan, you will also have access to a drug library and will be notified if a drug is subject to prior authorization.
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Click on Log in button.
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Select Health and Dental from the drop-down menu and log in.
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After you have logged in, click My Claims.
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Select My drug plan under the My benefits list.
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Enter the information for your search.
If you are an RTIP member:
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Click on the Log in button and select RTIP (for retired members).
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After you have logged in, click Your Health Benefits.
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Select Drug.
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Enter drug name or Drug Identifying Number (DIN).
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Click Search.
How do I submit a claim for orthotics?
Complete the Extended Health Benefit Claim Form and submit it with the following supporting documents to OTIP:
- Recommendation or referral from a licensed physician, podiatrist or chiropodist, which must include the medical condition requiring the use of orthotic appliances.
- Copies of the biomechanical examination and gait analysis performed.
- A description of the process used to create the orthotics including the casting technique and raw materials used.
- A receipt showing that the orthotics have been paid in full.
You will be notified in writing of OTIP’s claim decision or if additional information is required.
Related Information
How can I co-ordinate my plan with my spouse's plan?
If you or your dependants are covered under more than one benefits plan, you can claim up to 100% of an eligible expense by co-ordinating your benefits under both plans. Here's how:
- The plan that covers you as a plan member pays first. Then, the plan that covers you as a dependant pays any remaining eligible balance.
- Your spouse's claims should go to his or her plan first, and then any remaining balance should be sent to your plan.
- Dependent children are covered first by the plan of the parent whose birthday falls earlier in the calendar year. In other words, if your birthday falls in January and your spouse's birthday is in March, you should submit your children's claims to your plan first.
- Your first benefit plan will send you an explanation of how much of your claim has been covered. You will need to send that explanation, along with copies of your expense receipts, to the second benefits plan in order to claim any remaining balance that is eligible.
How do I send a secure email to OTIP Benefits Services?
If your benefits are provided through your employee benefits plan:
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Go to www.otip.com and click Log in.
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Select Health and Dental from the drop-down menu and log in.
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After you have logged in, click My Claims.
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On My Claims home page, use the Send us an email feature in the Contact us tab.
If you are an RTIP member:
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Go to www.otip.com and click Log in.
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Select RTIP (for retired members) from the drop-down menu and log in.
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After you have logged in, select the Support icon and Visit Help Centre from drop down.
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Click on Send us an online note.
How do I print off additional benefits cards for my dependants?
If your benefits are provided through your employee benefits plan:
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Go to www.otip.com and click Log in.
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Select Health and Dental from the drop-down menu and log in.
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After you have successfully logged in, click My Claims.
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Select the My Benefits tab and click My benefits Card.
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Click on the picture of the benefits card (thumbnail) to get a printable benefits card, pre-populated with your information.
If you are an RTIP member:
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Go to www.otip.com and click Log in.
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Select RTIP (for retired members) from the drop-down menu and log in.
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After you have successfully logged in, select your name in top right-hand corner and from the drop-down menu, select Your OTIP Account from drop down.
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Select Print my ID card from the All About You box.
Please note that the benefits card will only be in your name as you are the plan member. However, you can print off as many cards as you need and give them to any family member who is covered under your plan.
How do I use my benefits card? (also referred to a wallet card or pay-direct card)
Your benefits card was designed as a convenient way for you to carry your plan number and OTIP identification number. This information can be provided to any practitioner, such as a dentist, chiropractor, pharmacy, etc. with electronic-claiming functionality. This information may also be given to the hospital for direct billing.
Need to view or print off your benefits card? Learn how.
Need to set up direct deposit for your claim payments? Learn how
When can I change my supplemental life, optional life or optional spousal life insurance (if applicable)?
You can increase your optional life, supplemental life (if applicable) or optional spousal life insurance at any time (except if you are on leave).
You can decrease or end your optional life, supplemental life or optional spousal life insurance at any time.
If you are covered under an employee group benefits plan:
- Click Log in on the top right-hand corner of the website.
- Select Health and Dental from the drop-down menu.
- After you have logged in, click My Benefits.
- On the My Benefits home page, click View details in the Enrol / Make Changes box.
- Under Any Time Change, look for Enrolment Change and click Start.
- Click Next/Skip.
- Click Next until you are on the Life Insurance step
- Make your selections.
- Click Recalculate to see Your monthly premium cost.
- Click Next.
- Enter the percentage for each beneficiary. Your Total must equal to 100%.
- Click Next.
- Check off I agree to Terms and Conditions.
- Click Complete and then Done.
Proof of good health (evidence of insurability) is required for any requests to increase coverage outside of a life event (birth of a child, marriage, etc.).
How do I ensure my overage dependant(s) are covered under my plan?
If you and your child(ren) are covered under an employee group benefits plan:
If your child(ren) is turning the maximum age as defined by the terms of your benefits plan, one month before this birthday, you will receive an email to confirm the student status for your child(ren).
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Click Log in on the top right-hand corner of the website.
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Select Health and Dental from the drop-down menu.
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Once you have logged in, click My Benefits.
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Complete the activity listed in here are some things you need to do next
If you do not complete the activity by the Provide by date, coverage for your dependant(s) will end.
After the initial confirmation of student status is completed, you will receive a reminder at the end of every school year to confirm the student status for your child(ren) for the upcoming school year (if applicable).
What do I do if I forgot to send in my overage dependant verification form for the current school year?
Please contact OTIP Benefits Services at 1-866-783-6847 for assistance.
What optional life insurance coverage is available to me?
If your benefits are provided through your employee benefits plan:
Your plan may offer the following optional life insurance coverage:
To verify which coverage is available to you, please check your benefits booklet.
What type of claims can I submit online?
Claims that can be submitted online may include the following:
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Claims where the expense was incurred in Canada
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Claims where the service/expense has already been rendered
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Claims for which the payment is made to you
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Claims for you
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Claims for your spouse or dependant(s), including those partially paid by another insurance plan
In addition, you may submit your claims online for the following service providers:
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Vision care provider
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Dental/Orthodontics
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Massage Therapist
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Chiropractor
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Physiotherapist
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Acupuncturist
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Chiropodist
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Naturopath
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Osteopath
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Podiatrist
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Psychologist
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Speech Therapist
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Athletic Therapist
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Social Worker
Your benefits plan may not include all of the above coverage. Check your benefits booklet for details.
If your service provider type is not listed in My Claims, you can choose ‘Other’ to submit your claim. You will need to attach itemized receipts and documentation.
If your service provider cannot submit the claim on your behalf, you can submit the claim online.
The insurance carrier also reserves the right to assess claims or request additional information such as receipts and documentation.
TIP: To prevent delays in your claim reimbursements:
I have moved to a new home. How do I change my address?
If your benefits are provided through your employee benefits plan:
There are two places you must update your address. Within My Claims on, you can update your new address, but you must also update this information with your school board, as board address information for active members is updated electronically.
To view or update your current address information within My Claims:
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Go to www.otip.com and click Log in.
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Select Health and Dental from the drop-down menu and log in.
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After you have logged in, click My Claims.
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My profile tab and click Update in the Address heading.
If you are an RTIP member:
To update your current address information:
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Go to www.otip.com and click Log in.
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Select RTIP (for retired members) from the drop-down menu and log in.
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Select your name in top right-hand corner and select Your OTIP Account from the drop down menu.
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Select the Who and Where? Drop down box to update address.
If you are not registered for an online RTIP plan member account, please submit your new address by ONE of the following ways:
For a timely response to your inquiry, please include your plan and identification numbers on all correspondence. You can also verify your personal information is correct by logging in through otip.com (‘Log in’ in the top right-hand corner).
I have a disabled overage dependant. How do I ensure they have coverage under my benefits plans?
If you are a Group Benefits member:
Once your child turns 21, you will receive an Overage Dependant Certification event in My Benefits. To recertify your disabled Dependant, please contact OTIP Benefit Services at 1-866-783-6847. We will verify that your benefits plan has coverage for your dependant and provide you with the Overage Disabled Dependant Coverage form, which is to completed by you and the attending physician. Medical underwriting will review the completed form for eligibility.
If you are an RTIP member:
Please contact the RTIP Contact Centre in one of two ways:
We will verify that your plan has coverage for your dependant and provide you with the Overage Disabled Dependant Coverage form, which is to be completed by you and the attending physician. Medical underwriting will review the completed form for eligibility.
I submitted a claim for a massage for $90 which is the per visit maximum for this service. When I received my reimbursement, I did not get the full amount back.
If you are covered under an employee group plan:
It’s important to find out how much is covered under your benefits plan and how much you may be responsible for paying ‘out-of-pocket’. This will help you to minimize expenses and avoid disappointment if your claim is not eligible for full or partial reimbursement.
We encourage you to: (1) get an estimate or pre-determination, (2) check if your service provider has been delisted and (3) review your reasonable and customary (R&C) limits.
If you are an RTIP member:
There is an 80 per cent reimbursement of eligible charges up to a combined maximum of $1,250 per calendar year for paramedical services.
In this situation, you received a reimbursement of $72.
Please refer to your RTIP contract to get more details about your coverage. Your RTIP contract is available online by logging into the RTIP plan member secure site.
To view your RTIP contract online:
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Click on the Log in button,
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Select RTIP (for retired members) from the drop-down menu and log in,
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Click on your name and select Your OTIP Account from the drop-down menu.
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Under the Your Coverage tab, select Your RTIP Contract.
How does the Ontario Drug Benefit (ODB) program work with RTIP/ARM?
If you or your dependant is 65 years old or older, the Ontario Drug Benefit (ODB) program can help pay for most of the cost of more than 4,300 prescription drugs. The ODB program charges an annual deductible ($100) in a benefit year from August 1 to July 31. This $100 deductible that you pay out-of-pocket is eligible for reimbursement from RTIP (provided the medications purchased are eligible under the plan). After the deductible has been reimbursed to you by RTIP, the ODB plan will cover any portion of drug claims that is covered by the provincial health plan.
To learn more about the ODB program, visit the Government of Ontario website, or call 1-866-532-3161.
RTIP/ARM will reimburse eligible drug claims not covered by the provincial health plan.
Looking to save money on your out-of-pocket drugs costs? Sign up with Express Scripts Canada Pharmacy™!
You can save more money when you use Express Scripts Canada Pharmacy home-delivery service (free shipping) for your maintenance drugs (chronic conditions such as diabetes, high cholesterol and high blood pressure). You will receive 100% coverage for your generic maintenance prescription drug expenses (or 90% of eligible brand name prescriptions). To learn more, visit Express Scripts for OTIP member or call 1-855-550-MEDS (6337).
My doctor prescribed a brand name drug. Is this covered by the ODB program or RTIP/ARM?
You may want to talk to your pharmacist or physician to get find out if the ODB program will cover the drug costs and what you need to do.
To determine if your drug prescription will be covered by RTIP, go to our forms page to print and complete the Request for Approval of Brand-Name Drug Form.
NOTE: Non-Ontario members can call The Seniors’ Care Assistance Program™ at 1-855-412-6626 to learn about similar programs in their province of residence.
Can my dependants be covered by RTIP?
The following dependants are eligible to be covered under RTIP:
- Unmarried, unemployed children under the age of 21 (or under the age of 31 if attending school full-time)
- Dependants over 21 may be eligible when incapable of self-sustaining support due to a mental
- or physical disability that occurred prior to age 21
To ensure your eligible overage dependant (age between 21 and 30) has coverage under your plan, you will need to complete the Overage Dependent Student form each school year.
Once your dependant turns 31, they will automatically be removed from the plan.
Are surgery expenses subject to per visit maximums for a podiatrist or chiropodist?
RTIP members only:
No, surgery expenses are not subject to the per visit maximums for these specific services. These services are 80% reimbursement of eligible charges up to a combined maximum of $1,250 per calendar year for all paramedical services.
Can my service provider submit claims online so that I only pay the amount not covered by my plan?
If your service provider is registered with Telus Health, they will be able to submit your claims electronically and you would only pay the amount not covered by your plan. The remaining balance will be paid directly to the service provider by the insurance company.
Where would I find electronic letters regarding my coverage application or pre-determination of orthotics?
Be sure to check for electronic letters regarding your coverage application, pre-determination of orthotics, payment notifications, etc., as they may contain time-sensitive information pertaining to a claim or your application.
If you are covered under an employee group plan (for non-CUPE members):
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Click on the Log in button.
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Select Health and Dental from the drop-down menu and log in.
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After you have logged in, click My Claims.
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Click the Claims tab and select Find an electronic letter under Claims History.
If you are an RTIP member:
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Click on the Log in button.
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Select RTIP (for retired members) from the drop-down menu and log in.
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Click on your name and select Your OTIP Account from the drop-down menu.
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Under the Your Coverage tab, select Your RTIP Contract to view your proof of coverage and information about your benefits.
How do I send documents related to a claim online?
If your benefits are provided through your employee benefits plan:
When needed, you can send documents related to your health and dental claims online by logging into OTIP’s secure member site:
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After you have logged in, click My Claims.
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Click on Submit a claim
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Click on Select a provider type and select Other from the drop-down menu
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Complete the steps.
If you need to send Evidence of Insurability and Drug Prior Authorization forms online, after you have logged into OTIP’s secure member site:
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Click My Claims.
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Click on Contact us.
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Select Send documents and then complete the steps.
If you are an RTIP member:
For any claims that are already on file but were denied, you will need to submit additional information:
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After you have logged in, click the Your Claims drop-down menu and select Claims History.
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Find the specific claim that needs additional information to be approved, click the + button on the right-hand side to expand information.
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Select upload and add the correct document from your computer to that claim.
If you need assistance uploading documentation, please call the RTIP Contact Centre at 1-833-318-2811.
If you need to send Evidence of Insurability and Drug Prior Authorization forms online, after you have logged into OTIP’s secure member site:
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Click on Contact us.
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Select Send documents and then complete the steps.
How do I check to see what is covered under my health and/or dental benefits? How much coverage do I have?
To see what products and/or services are covered by your benefits plan, check your benefits booklet online. Your benefits booklet includes benefit plan terms and coverage details and is updated on a regular basis to reflect any changes or updates to your plan.
To view your benefits booklet, follow the steps below.
If your benefits are provided through your employee benefits plan:
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Go to www.otip.com and click Log in.
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Select Health and Dental from the drop-down menu and log in.
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After you have logged in, select Benefits Booklet (plan details) under My Library.
If you are an RTIP member:
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Go to www.otip.com and click Log in.
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Select RTIP (for retired members) from the drop-down menu and log in.
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After you have logged in, click Your Health Benefits and search for a service or item.
How do I submit an estimate for medical equipment online?
To submit an estimate for medical equipment, follow these steps. (For non-CUPE members)
- First gather all necessary documentation to support your estimate*
- Log in at www.otip.com and select Health and Dental from the drop-down menu
- After you have logged in, click My Claims
- Click on Submit a claim
- Read the claim submission pop-up and click Continue
- Click on Select a provider type and select Estimates from the drop-down menu
- Select the relevant plan member and click Continue
- Attach your documentation, accept the terms and conditions, and click on Submit
*Necessary documentation may include:
- The diagnosis necessitating the equipment
- The anticipated duration the equipment will be required
- A description of what activities the equipment will be primarily worn for (daily living, sports, etc.)
- Verification if this is an initial purchase, or provide a reason for a replacement
- Confirmation from the supplier (if applicable) whether the item is eligible for funding through a government provincial health plan (e.g. OHIP); if so, include a copy of the government provincial health plan's statement of payment
- If the item is being rented or purchased, include a written quote from the supplier indicating the purchase price of the equipment
How do I find which claim is being audited?
For non-CUPE members:
- Click Log in on the top right-hand corner of the website.
- Select Health and Dental from the drop-down menu.
- After you have logged in, click My Claims.
- Hover over Claims on the top banner, and select Online claims status under Claims history
- Under the Claim audit details column, you will see which claim is subject to an audit
- Click on the file icon in this column to receive instructions for resolving the audit
How do I send Evidence of Insurability online?
If you need to send Evidence of Insurability online, after you have logged into OTIP’s secure member site:
- Click My Claims
- Click on Contact us
- Select Send documents and then complete the steps
I am a CUPE member. Where can I find my OTIP ID Number?
Your OTIP ID Number (see example below) can be found on your CUPE benefits card.

How do I review my benefits costs and coverages?
- Click Log in on the top right-hand corner of the website.
- Select Health and Dental from the drop-down menu.
- After you have logged in, click My Benefits.
- In the My Benefits box, click View all benefit selections.
How do I access my Drug Prior Authorization form?
OTIP has partnered with Cubic Health’s FACET program to serve group benefit plan members throughout the drug prior authorization process. If you are covered under an employee group benefit plan (excluding CUPE EWBT members), visit pa.otip.com to access the form.
If you are a CUPE EWBT member, please contact Canada Life at 1-866-800-8058.
Can my spouse access my account and manage my claims?
At OTIP, respecting your privacy and protecting your personal information is an important part of how we do business. We are committed to protecting your privacy.
When you log in to your OTIP account, the information is for your use only, as you are the insured plan member.
It is important that you do not share your credentials with anyone, including your spouse/partner. If you choose to share your information with them, you are responsible for any actions that your spouse/partner takes while logged in to your account.
If your spouse/partner contacts us, we are happy to assist with the details of their own coverage or claims. We will not provide them with details about your claims, or claims of any overage child/dependant.
We are also unable to help your spouse/partner with navigational assistance with the website.
These limitations exist to protect the privacy of the account and to keep your benefits secure.
How can I view the list of delisted providers?
Some service providers have been delisted by the insurer, Manulife. This means that claims submitted for services provided by a delisted provider would not be covered under your plan. To view a list of delisted providers:
If you are a member of an employee group benefits plan:
- Log in at www.otip.com
- Click on My Claims
- Scroll to the bottom of the page and go to the Wellness centre
- Click on View list of providers not covered
What is drug prior authorization?
Drug prior authorization is a process to ensure that you are fully informed if the drug or any alternative treatment is covered by your benefits plan.
Why is drug prior authorization important?
Drug prior authorization ensures that you have a clear understanding if and how much of the cost of the medication or of any alternative treatment is covered by your benefits plan.
Will drug prior authorization affect the quality of my health care?
The drug prior authorization is an important process to ensure that financial assistance can be provided for medications or alternatives that are approved by Health Canada and clinically proven to help you with your condition.
Will drug prior authorization limit my prescription drug options?
No, you will still have a choice of which prescription drugs are available to you as treatment options. The prior authorization process only determines what level of reimbursement is available from your benefits plan.
If I am approved for a drug, do I have to submit a drug prior authorization every time I need the prescription renewed?
When a drug prior authorization claim is approved it will include details pertaining to how long the approval is for and when you may need to provide any additional information.
If my drug prior authorization is not approved, can I still take the drugs my doctor recommends?
If your drug prior authorization is not approved, you can still use the drug your doctor has recommended, but it will not be covered under your benefits plan. Your doctor can assist you with determining any other assistance programs available for the medication they have prescribed.
How will I know if I have to apply for drug prior authorization?
You can use the online tool, My drug plan, to look up a drug and find out whether it is covered under your benefits plan or if prior authorization is needed.
How do I find out what my reasonable and customary limits are?
To view Manulife’s reasonable and customary (R&C) limit amounts:
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Click Log in on the top-right corner of the website.
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Select Health and Dental from the drop-down menu and log in to your account.
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After you have logged in, click My Claims.
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Click Practitioner R&C under the My benefits quick links.
What if I submit a claim with a date of service before the provider was delisted?
If the claim is eligible for reimbursement and the date of service is before the delisted date, the claim will be approved and reimbursed.
What if I went to see the provider and did not know that they were on the delisted list?
It is the member’s responsibility to check with their provider/supplier if Manulife will accept their claims or the delisted providers list before they make an appointment or submit any eligible claims.
Providers/suppliers are required to tell you if they have been delisted by Manulife.
What if I submit a claim with a date of service on or after the provider was delisted?
The claim will not be approved or reimbursed.
What if I am in the middle of a procedure or waiting on services or products from a delisted provider?
Any services that were incurred prior to the date of delisting, will be considered for reimbursement. If you are waiting for products to be dispensed, that were purchased prior to the date of delisting, your claim will be considered for reimbursement.
How do I register for the RTIP plan member secure site?
How do I print my coverage details?
If your benefits are provided through your employee benefits plan:
- Go to www.otip.com and click Log in.
- Select Health and Dental from the drop-down menu.
- After you have logged in, click My Benefits.
- Click on View all benefit selections.
- Scroll down to Today’s Coverage and click Print my coverage details.