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:
- Go to www.otip.com and click Log in.
- Select Health and Dental from the drop-down menu.
- Enter your OTIP identification number (can be found on your benefits card), date of birth and the password you created when you registered.
- Click Log in.
If you are an RTIP/ARM member:
- Go to www.otip.com and click Log in.
- Select RTIP/ARM from the drop-down menu.
- Enter your Plan Contract and Member Certificate numbers, which can be found on your benefits card, as well as the password you created when you registered.
- Click Submit.
If you are a first-time user, find out how to register for online access to your plan.
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 are an RTIP/ARM member:
- Visit www.otip.com and click Log in.
- Select RTIP/ARM from the drop-down menu.
- Click on I forgot my password and follow the instructions.
If you need assistance, please contact OTIP Benefits Services at 1-866-783-6847.
How do I change my password?
To change your password:
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 and log in.
- After you have logged in, click Security Setting on the top right-hand side.
- Click Change password.
If you are an RTIP/ARM member:
- Go to www.otip.com and click Log in.
- Select RTIP/ARM from the drop-down menu and log in.
- After you have logged in, click My profile.
- Click Change password.
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:
- Click Log in on the top-right corner of www.otip.com.
- Select Health and Dental from the drop-down menu and log in.
- After you have logged in, select Benefits Booklet (plan details) from under My Library.
If you are an RTIP/ARM member:
- Click Log in on the top-right corner of www.otip.com.
- Select RTIP/ARM from the drop-down menu and log in.
- After you have logged in, click Benefits booklet under the My benefits list.
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/ARM (retired) member:
- Click Log in on the top-right corner of the website.
- Select RTIP/ARM from the drop-down menu.
- Click register in the You must be registered to log in box.
- Enter in the requested information, including the Plan contract number and Member certificate, which can be found on your benefits card.
- Create and verify a password. It’s a good idea to write down your password and keep it in a safe place.
- Review and accept the Terms and Conditions and click Submit.
Online services include:
- Online claims submission
- Direct deposit
- Email alerts when your claim has been processed
- Details of your benefits coverage (benefits booklet)
- 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:
- Click Log in on the top right-hand corner and select Health and Dental from the drop-down menu.
- After you have logged in, click My Claims.
- Click the Submit a claim button.
If you are an RTIP/ARM member:
- Select RTIP/ARM from the menu and log in.
- After you have successfully logged in, click the Submit a claim button.
How do I check on the status of a benefits claim?
If your benefits are provided through your employee benefits plan (except CUPE)
-
Log in to the OTIP secure member site and access My claims
-
On the top of page banner, hover over Claims
-
Under Claims history select Online claims status
If you are an RTIP/ARM member:
After logging in, follow the above instructions, starting at step 2.
Why can't I submit all claims online?
Certain providers, expense types and claims need to be submitted manually for verification purposes.
As outlined in the Terms and Conditions found on My Claims (Plan Member Secure Site), our insurance carrier, Manulife Financial, reserves the right to assess claims manually or request additional information such as receipts and documentation.
Related Information
Why do I need a doctor's note?
Depending on your group benefits plan, some services, such as massage therapy, may require that you have a doctor’s referral before you can submit a claim for that service.
You can find out if you require a doctor’s note for a service by checking your benefits booklet.
If a doctor’s note is required, it is standard to require a new doctor’s referral every 12 months.
When submitting an online claim, you will be asked to confirm if you received a doctor’s referral during the online claim submission process.
How do I submit a claim for orthodontic expenses?
In most cases, your dental office will submit dental claims on your behalf. If your dentist does not provide this service, you can print off a Standard Dental Claim Form and have them complete the appropriate sections.
NOTE: If a treatment costs more than $300, please ask your dentist to submit an estimate or a “predetermination of benefits” to OTIP. We will advise you by mail how much will be reimbursed.
Please also ask your dentist to submit X-rays for pre-determinations of all major services. The X-rays will be promptly returned to your dentist once the review is complete.
Related Information
How do I know if a dental treatment is covered?
Why can't I submit orthodontic claims online?
Since some orthodontic monthly payments do not have a procedure code, you will not be able to submit your orthodontic claim online. For reimbursement, please complete a Standard Dental Claim Form as directed on the form.
Related Information
How do I update my benefits during a leave?
If you are covered under an employee group benefits 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:
- Go to www.otip.com and click Log in.
- Select Health and Dental from the drop-down menu and log in.
- After you have logged in, click My Claims.
- Click the Search my claims button and enter the information for your search.
If you are an RTIP/ARM member:
- Go to www.otip.com and click Log in.
- Select RTIP/ARM from the drop-down menu and log in.
- After you have logged in, select the Claims tab.
- Click the Search my claims button and enter the information for your search.
You will be able to print a summary of your claims statement.
How do I get enough medication to take with me on vacation?
If your benefits are provided through your employee benefits plan:
Please contact OTIP Benefits Services at 1-866-783-6847.
If you are an RTIP/ARM member:
Please complete the Vacation Supply form and submit with your receipts to OTIP.
How do I add dental coverage to my RTIP plan?
RTIP/ARM dental coverage is optional and can be added to any of our retiree health plans, or purchased alone, at any time, effective the first of the month following the receipt of your written request.
To add dental coverage, please send a written request via email, fax, or mail to OTIP:
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
My recent drug prescription is not covered by my health plan. How can it be added to the plan?
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.
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.
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 and log in.
- After you have logged in, click My Claims.
- Select My drug plan under the My benefits list.
- Enter the information for your search.
If you are an RTIP/ARM member:
- Go to www.otip.com and click Log in.
- Select RTIP/ARM from the drop-down menu and log in.
- After you have logged in, select My drug plan under the My benefits list.
- Enter the information for your search.
Related Information:
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 submit a claim for trip cancellation?
Trip cancellation coverage is available to RTIP/ARM members only. To submit a claim, please provide the following:
- A statement from the physician in attendance outlining the reason(s) for the necessity of cancelling, interrupting or delaying the trip.
- Documentary evidence of the emergency that caused the cancellation, interruption or delay.
- In the event of a travel advisory, proof of booking date as well as a copy of the travel advisory issued by the Canadian government.
- Proof that a portion of the travel arrangement costs is non-refundable and copies of receipts/unused tickets and receipts/coupons for any additional transport costs incurred.
Related Information
How do I send a secure email to OTIP Benefits Services?
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 and log in.
- After you have logged in, click My Claims.
- On My Claims home page, select the Contact us tab and click Send a note.
If you are an RTIP/ARM member:
- Go to www.otip.com and click Log in.
- Select RTIP/ARM from the drop-down menu and log in.
- After you have logged in, select the Contact us tab and click Send a note.
How do I print off additional benefits cards for my dependants?
If your benefits are provided through your employee benefits plan:
- Select Health and Dental from the log in drop-down menu.
- After you have successfully logged in, click My Claims.
- Select the My benefits tab and click My benefits card.
- 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/ARM member:
- Select RTIP/ARM from the log in drop-down menu.
- After you have successfully logged in, select the My benefits tab and click on My benefits card.
- Click on the picture of the benefits card (thumbnail) to get a printable benefits card, pre-populated with your information.
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.
Check to see which family members are 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 dentist, chiropractor, pharmacy, etc. with electronic-claiming functionality. This information may also be given to the hospital for direct-billing.
Looking to set up direct deposit and electronic claim statements (ECS)?
If your benefits are provided through your employee benefits plan:
- Click Log in on the top right-hand corner of the website.
- Select Health and Dental from the drop-down menu and log in.
- After you have successfully logged in, click My Claims.
- Select the My profile tab and click Update Direct Deposit and ECS information.
- Enter the Transit number, Institution number, Account number and Re-enter account number.
- Enter your New email address: if you would like to view your statements online.
- Click Submit.
NOTE:
- A confirmation screen should appear confirming that your banking information has been updated.
- If you do not receive a confirmation, there may be firewalls or security settings in place that are not allowing the information to be transmitted. This may occur when submitting information from your workplace. It is recommended that you make these changes on your personal computer.
- Access to OTIP’s secure member site is restricted to North America.
If you are an RTIP/ARM member:
- Go to www.otip.com and click Log in.
- Select RTIP/ARM from the drop-down menu and log in.
- After you have successfully logged in, select the My profile tab and click Update Direct Deposit and ECS information.
- Enter the Transit number, Institution number, Account number and Re-enter account number.
- Enter your New email address: if you would like to view your statements online.
- Click Submit.
NOTE:
- A confirmation screen should appear confirming that your banking information has been updated.
- It is recommended that you make these changes on your personal computer.
- Access to the Plan Member Secure Site is restricted to North America.
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).
- Click Log in on the top right-hand corner of the website.
- Select Health and Dental from the drop-down menu.
- Once you have logged in, click My Benefits.
- 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 do I do if My Claims (Plan Member Secure Site) is not working?
Please note My Claims (Plan Member Secure Site) has the following hours of operation*:
Monday – Friday 6:30 a.m. – 12:30 a.m. ET
Saturday 6:30 a.m. – 8 p.m. ET
Sunday 8 a.m. – 5 p.m. ET
NOTE: Sundays are reserved for occasional site maintenance.
*These hours of operation are subject to change without notice.
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 option life insurance coverage:
- Member optional life and AD&D
- Spousal optional life and AD&D
- Child optional life
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:
- Claims where the expense was incurred in Canada
- Claims where the service/expense has already been rendered
- Claims for which the payment is made to you
- Claims for you
- 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:
- Vision care provider
- Dental/Orthodontics
- Massage Therapist
- Chiropractor
- Physiotherapist
- Acupuncturist
- Chiropodist
- Naturopath
- Osteopath
- Podiatrist
- Psychologist
- Speech Therapist
- Athletic Therapist
- Social Worker
IMPORTANT NOTES:
- Your benefits plan may not include all of the above coverage. Check your benefits booklet for details.
- There are still certain providers, expense types and claims that you will need to complete and mail the Extended Health Benefits Claim form.
- The insurance carrier, Manulife Financial, reserves the right to assess claims manually or request additional information such as receipts and documentation.
I have moved to a new home. How do I change my address?
If your benefits are provided through your employee benefits plan:
You will need to contact your employer to update this information. You will not be able to update your new address in My Benefits or My Claims. Since this new information will be sent to OTIP from your employer, this change may take up to 10 business days before it is updated in My Benefits and My Claims.
To view your current address information:
- Go to www.otip.com and click Log in.
- Select Health and Dental from the drop-down menu and log in.
- After you have logged in, click My Claims.
- My profile tab and click Update in the Address heading.
NOTE: If your address is incorrect, please contact your school board.
If you are an RTIP/ARM member:
To view your current address information:
- Go to www.otip.com and click Log in.
- Select RTIP/ARM from the drop-down menu and log in.
- Select the My profile tab and click Update in the Address heading.
Please submit your new address by ONE of the following ways:
- Send a secure email to OTIP Benefits Services
- Call OTIP Benefits Services at 1-866-783-6847
- Mail a letter to OTIP (125 Northfield Drive West, PO BOX 218, Waterloo, Ontario, N2J 3Z9)
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/ARM member:
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.
I purchased a bus tour trip to Niagara Falls. Unfortunately, I hurt myself and could not go. Will RTIP/ARM cover this cancellation?
Your RTIP/ARM travel insurance does cover trip cancellation; however, as this trip is in-province the expenses are not eligible under the Trip Cancellation benefit. This benefit only applies to out-of-province/out-of-country trip cancellation.
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.
For all RTIP/ARM plans, there is an 80% reimbursement of eligible charges up to a combined maximum of $1,250 per calendar year for paramedical services. Therefore, in your situation, you would have received a reimbursement of $72. Please refer to your benefits booklet to get more details about your coverage. Your benefits booklet is available online by logging into the Plan Member Secure Site.
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/ARM (provided the medications purchased are eligible under the plan). After the deductible has been reimbursed to you by RTIP/ARM, 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/ARM, 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/ARM?
The following dependants are eligible to be covered under RTIP/ARM:
- 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. Access the form on the forms page .
Once your dependant turns 31, they will automatically be removed from the plan. Please contact OTIP Benefits Services to update your monthly premiums.
Are surgery expenses subject to per visit maximums for a podiatrist or chiropodist?
RTIP/ARM (for retired 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 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 and log in.
- After you have logged in, click My Claims.
- Click the Claims tab and select Find an electronic letter under Claims History.
If you are an RTIP/ARM member:
- Go to www.otip.com and click Log in.
- Select RTIP/ARM from the drop-down menu and log in.
- After you have logged in, click the Claims tab and select Find an electronic letter under Claims History.
Related Information:
How do I send documents related to a claim online?
If your benefits are provided through your employee benefits plan (except CUPE)
You can send documents related to your health and dental claims online by logging into OTIP’s secure member site:
- After you have logged in, click My Claims.
- Click on Submit a claim
- Read the claim submission popup and press Continue
- Click on Select a provider type and select Audit or supporting documents for a previous claim from the drop-down menu
- Click Continue, and carefully follow the instructions on the subsequent page
If you are an RTIP/ARM member:
You can send documents related to your health and dental claims online by logging into OTIP’s secure member site. After logging in, follow the above instructions, starting at step 2.
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:
- Click Log in on the top-right corner of www.otip.com.
- Select Health and Dental from the drop-down menu and log in.
- After you have logged in, select Benefits Booklet (plan details) under My Library.
If you are an RTIP/ARM member:
- Click Log in on the top-right corner of www.otip.com.
- Select RTIP/ARM (for retired members) from the drop-down menu and log in.
- After you have logged in, click Benefits booklet under the My benefits list.
If you do not find your answer in the benefits booklet or need more information, you can contact OTIP Benefits Services.
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
To access your Drug Prior Authorization forms, follow these steps:
If your benefits are provided through your employee benefits plan:
- Log in to Health and Dental at otip.com
- Under My Library, open the Resources tab
- Click on the Drug Prior Authorization Form link
For RTIP/ARM (retired members)
- Go to otip.com/forms
- Click on RTIP/ARM forms
- Under Administrative Forms, click on Drug Prior Authorization Form
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
If you are a retired member with RTIP/ARM health insurance:
- Visit www.otip.com and click the Log in button
- From the drop-down menu, select RTIP/ARM (for retired members)
- Enter your Plan contract and Member certificate numbers, which can be found on your benefits card, as well as the password you created when you registered
- Scroll to the bottom of the page and go to the Wellness centre
- Click on View list of providers not covered