If your benefits are provided through your employee benefits plan:

1. Go to www.otip.com and click Log in.
2. Select Health and Dental from the drop-down menu.
3. Enter your OTIP identification number (can be found on your benefits card), date of birth and the password you created when you registered.
4. Click Log in.

If you are an RTIP/ARM member:

1. Go to www.otip.com and click Log in.
2. Select RTIP/ARM from the drop-down menu.
3. 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.
4. Click Submit.

If you are a first-time user, find out how to register for online access to your plan.

Here’s how you can reset your password:

If your benefits are provided through your employee benefits plan:

1. Go to www.otip.com.
2. Click log in on the top right corner of the website and select Health and Dental from the drop-down menu.
3. Enter your OTIP Identification Number (found on your benefits card) and date of birth.
4. Click on Forgot password? and follow the instructions.

If you are an RTIP/ARM member:

1. Visit www.otip.com and click Log in.
2. Select RTIP/ARM from the drop-down menu.
3. Click on I forgot my password and follow the instructions.

If you need assistance, please contact OTIP Benefits Services at 1-866-783-6847.

To change your password:

If your benefits are provided through your employee benefits plan:

1. Go to www.otip.com and click Log in.
2. Select Health and Dental from the drop-down menu and log in.
3. After you have logged in, click Security Setting on the top right-hand side.
4. Click Change password.

If you are an RTIP/ARM member:

1. Go to www.otip.com and click Log in.
2. Select RTIP/ARM from the drop-down menu and log in.
3. After you have logged in, click My profile.
4. Click Change password.

Contact OTIP Benefits Services at 1-866-783-6847 and they will reset your password for you.

If your benefits are provided through your employee benefits plan:

1. Go to www.otip.com and click Log in.
2. Select Health and Dental from the drop-down menu and log in.
3. After you have logged in, click My Claims.

NOTE: Your benefits booklet is different from your Benefits Plan Guide which was included in your benefits plan welcome package. The benefits booklet includes the full benefits plan terms and coverage details. The Benefits Plan Guide is a quick reference guide providing you with a brief overview of your benefits plan. If there is a discrepancy between the information in the Benefits Plan Guide and the benefits booklet, the terms and details of the benefits booklet apply.

If you are an RTIP/ARM member:

1. Go to www.otip.com and click Log in.
2. Select RTIP/ARM from the drop-down menu and log in.
3. After you have logged in, click Benefits booklet under the My benefits list.

If your benefits are provided through your employee benefits plan:

1. Visit www.otip.com and click Log in.
2. Select Health and Dental from the drop-down menu and log in.
3. After you have logged in, click My Claims.
4. Click Benefits booklet under the My benefits list.

1. Visit www.otip.com and click Log in.
2. Select RTIP/ARM from the drop-down menu and log in.
3. After you have successfully logged in, click Benefits booklet under the My benefits list.

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.

View a video tutorial and find more information about registering on OTIP’s website and enrolling in your benefits plan. If you are a CUPE-EWBT member, view the CUPE enrolment help page.

If you are an RTIP/ARM member:

1. Click Log in on the top-right corner of the website.
2. Select RTIP/ARM from the drop-down menu.
3. Click register in the You must be registered to log in box.
4. Enter in the requested information, including the Plan contract number and Member certificate, which can be found on your benefits card.
5. Create and verify a password. It’s a good idea to write down your password and keep it in a safe place.
6. 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

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:

1. Click Log in on the top right-hand corner and select Health and Dental from the drop-down menu.
2. After you have logged in, click My Claims.
3. Click the Submit a claim button.

If you are an RTIP/ARM member:

1. Select RTIP/ARM from the menu and log in.
2. After you have successfully logged in, click the Submit a claim button.

If your benefits are provided through your employee benefits plan:

1. Go to www.otip.com and click Log in.
2. Select Health and Dental from the drop-down menu and log in.
3. After you have logged in, click My Claims.
4. Your most recent claims will be listed under Recent Claims. To see a history of your claims, click on the Search my claims button and enter the information for your search.

If you are an RTIP/ARM member:

1. Go to www.otip.com and click Log in.
2. Select RTIP/ARM from the drop-down menu and log in.
3. Your most recent claims will be listed under Recent Claims. To see a history of your claims, click on the Search my claims button and enter the information for your search.

You can also call OTIP Benefits Services at 1-866-783-6847 to check on the status of a claim.

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

• What types of claims can I submit online?

Depending on the benefit plan, certain treatment or benefits require a doctor’s note. To find out whether you need a doctor’s note, please check your benefits booklet, or contact OTIP Benefits Services at 1-866-783-6847.

If your benefits are provided through your employee benefits plan:

1. Click Log in on the top right-hand corner of the website.
2. Select Health and Dental from the drop-down menu and log in.
3. After you have sucessfully logged in, click My Benefits.
4. On My Benefits home page, click Enrol/Make Changes in the My Personal Info box.
5. Scroll down to the Life Event heading and choose the event that is appropriate for your situation and complete the steps.

If you are an RTIP/ARM member:

To add a dependant to your RTIP/ARM health insurance plan, please contact OTIP Benefits Services at 1-866-783-6847 to receive a copy of the Health and Dental Change form.

The form must be completed and signed within 31 days of first becoming eligible. Otherwise, you or your dependant(s) may be subject to late entrant requirements (e.g. medical approval and associated costs, decrease in coverage for the first year).

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

• Download the Standard Dental Claim Form.

If a treatment costs more than $300, please ask your dentist to submit an estimate or a “pre-determination of benefits” to OTIP. We will advise you by mail how much will be reimbursed .

You can also contact OTIP Benefits Services at 1-866-783-6847 to discuss and review your dental coverage.

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

• Download the Standard Dental Claim Form.

If your benefits are provided through your employee benefits plan:

1. Go to www.otip.com and click Log in.
2. Select Health and Dental from the drop-down menu and log in.
3. After you have successfully logged in, click My Benefits.
4. On My Benefits home page, click Enrol/Make Changes in the My Personal Info box.
5. Under the Any Time Change heading, click Beneficiary Change Event.
6. Choose your beneficiary(ies) from the dependants listed on the screen and/or click to add a beneficiary.
7. Allocate the percentage amount you wish to assign to each beneficiary for each life benefit (basic life, optional life, etc.).
8. Click Contingent Beneficiary(ies) if you want to add contingent beneficiary(ies).
9. Review your information and changes. If correct, review the terms and conditions and check the Consent and Authorization box. You will be provided with the option to print a summary page for your own records. Please do not send the summary page to OTIP; it is for your records only. You must still print the Beneficiary Designation form and send it to OTIP.
10. Under Forms, click Beneficiary Designation form which will be automatically populated for you from the previous steps.
11. Print, sign, date and mail the Beneficiary Designation form to OTIP. This is required by law to ensure that we have accurate information on file.

If you are an RTIP/ARM member:

To add a dependant to your RTIP/ARM health insurance plan, please contact OTIP Benefits Services at 1-866-783-6847 to receive a copy of the Health and Dental Change form.

The form must be completed and signed within 31 days of first becoming eligible. Otherwise, you or your dependant(s) may be subject to late entrant requirements (e.g. medical approval and associated costs, decrease in coverage for the first year).

If your benefits are provided through your employee benefits plan:

1. Go to www.otip.com and click Log in.
2. Select Health and Dental from the drop-down menu and log in.
3. After you have logged in, click My Benefits.
4. On My Benefits home page, click Enrol/Make Changes in the My Personal Info box.
5. Under the Work Event heading, choose Leave Selection – FTE Reduction and complete the steps.

If your benefits are provided through your employee benefits plan:

1. Go to www.otip.com and click Log in.
2. Select Health and Dental from the drop-down menu and log in.
3. After you have logged in, click My Claims.
4. Click the Search my claims button and enter the information for your search.

If you are an RTIP/ARM member:

1. Go to www.otip.com and click Log in.
2. Select RTIP/ARM from the drop-down menu and log in.
3. After you have logged in, select the Claims tab.
4. 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.

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.

• Download the RTIP Vacation Supply Routing Slip.
• Download the ARM Vacation Supply Routing Slip.

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:

• Fax: 1-866-404-6847
• Email: questions@otipservices.com
• Mail: OTIP Benefits Services, 125 Northfield Drive W., PO Box 218, Waterloo ON  N2J 3Z9

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

• Learn more about RTIP dental coverage.

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:

1. Go to www.otip.com and click Log in.
2. Select Health and Dental from the drop-down menu and log in.
3. After you have logged in, click My Claims.
4. Select My drug plan under the My benefits list.
5. Enter the information for your search.

If you are an RTIP/ARM member:

1. Go to www.otip.com and click Log in.
2. Select RTIP/ARM from the drop-down menu and log in.
3. After you have logged in, select My drug plan under the My benefits list.
4. Enter the information for your search.

Related Information:

• Be an informed shopper with My drug plan

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

• Download the Extended Health Benefit Claim Form.
• Be informed when buying your custom-made orthotics.
• Looking to get surgical stockings?
• Where would I find electronics letters regarding my coverage application or pre-determination of orthotics?

If you or your dependants are covered under more than one benefits plan, you can claim up to 100% of an eligible expense by coordinating 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.

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

• Do I have trip cancellation in my employee benefits plan?

www.otipservices.com has been moved to www.otip.com.

www.otipservices.com was developed years ago as a quick entry point for members to find information on their health and dental claims. Today, this site no longer meets the needs of our members.

Our new www.otip.com has been redesigned to be agile and mobile-responsive. This site has everything you need to make a claim, locate your benefits booklet or find a form.

• Log in to make a Health and Dental claim
• Log in to make a Retiree Health and Dental claim
• Find a Form

If your benefits are provided through your employee benefits plan:

1. Go to www.otip.com and click Log in.
2. Select Health and Dental from the drop-down menu and log in.
3. After you have logged in, click My Claims.
4. On My Claims home page, select the Contact us tab and click Send a note.

If you are an RTIP/ARM member:

1. Go to www.otip.com and click Log in.
2. Select RTIP/ARM from the drop-down menu and log in.
3. After you have logged in, select the Contact us tab and click Send a note.

If your benefits are provided through your employee benefits plan:

1. Go to www.otip.com and click Log in.
2. Select Health and Dental from the drop-down menu and log in.
3. After you have successfully logged in, click My Claims.
4. Select the My benefits tab and click My benefits card.
5. 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:

1. Go to www.otip.com and click Log in.
2. Select RTIP/ARM from the drop-down menu and log in.
3. After you have successfully logged in, select the My benefits tab and click on My benefits card.
4. 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.

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:

1. Click Log in on the top right-hand corner of the website.
2. Select Health and Dental from the drop-down menu and log in.
3. After you have successfully logged in, click My Claims.
4. Select the My profile tab and click Update Direct Deposit and ECS information.
5. Enter the Transit number, Institution number, Account number and Re-enter account number.
6. Enter your New email address: if you would like to view your statements online.
7. 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.

1. Go to www.otip.com and click Log in.
2. Select RTIP/ARM from the drop-down menu and log in.
3. After you have successfully logged in, select the My profile tab and click Update Direct Deposit and ECS information.
4. Enter the Transit number, Institution number, Account number and Re-enter account number.
5. Enter your New email address: if you would like to view your statements online.
6. Click Submit.

• 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.

If your benefits are provided through your employee benefits plan:

You can increase, decrease or terminate your optional life or optional spousal life insurance at any time on the OTIP’s secure member website.

To make this change:

1. Visit www.otip.com and click on Log in
2. Select Health and Dental from the drop-down menu and log in.
3. After you have logged in, click  My Benefits.
4. On My Benefits home page, click Enrol/Make Changes in the My Personal Info box.
5. Under the Any Time Change heading, select Enrolment Change and complete the steps.

Evidence of insurability is required for any requests to increase coverage outside of a life event (birth of a child, marriage, etc.).

If your dependant(s) is turning the maximum age as defined by the terms of your benefits plan, one month before this birthday, you will receive notification to prompt you to validate the student status for this dependant(s).

Thereafter, you will receive an annual reminder to update the student status for your dependant(s) for the following September (if applicable).

Check to see which family members are covered under your plan.

Please contact OTIP Benefits Services at 1-866-783-6847 for assistance.

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.

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. 

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. 

If your benefits are provided through your employee benefits plan:

You may need to update this information with your school board, as address information for active members is updated electronically.

To view your current address information:

1. Go to www.otip.com and click Log in.
2. Select Health and Dental from the drop-down menu and log in.
3. After you have logged in, click My Claims.
4. 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:

1. Go to www.otip.com and click Log in.
2. Select RTIP/ARM from the drop-down menu and log in.
3. 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).

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.

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).

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.

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.

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.

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.

1. Go to www.otip.com and click Log in.
2. Select Health and Dental from the drop-down menu and log in.
3. After you have logged in, click My Claims.
4. Click the Claims tab and select Find an electronic letter under Claims History.

1. Go to www.otip.com and click Log in.
2. Select RTIP/ARM from the drop-down menu and log in.
3. After you have logged in, click the Claims tab and select Find an electronic letter under Claims History.

Related Information:

• How do I submit a claim for orthotics?

If your benefits are provided through your employee benefits plan:

You can send documents related to your health and dental claims online by logging into OTIP’s secure member site:

1. After you have logged in, click My Claims.
2. Click on Submit a claim
3. Click on Select a provider type and select Other from the drop-down menu
4. 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:

1. Click My Claims
2. Click on Contact us
3. Select Send documents and then complete the steps

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:

1. After you have logged in, click the Submit a claim button
2. Click on Select a provider type and select Other from the drop-down menu
3. 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:

1. Click on Contact us
2. Select Send documents and then complete the steps

Your home or property policy renews annually on the anniversary of the date you first purchased your insurance. You can find this date on your policy documents.

Insurers use a pool of many premiums to pay for the auto losses of Canadians who experience a loss. Your insurance company estimates an annual cost or premium to accept the risk of covering your vehicle. Premiums are based on how much money insurance companies think they will need to pay for the coming year’s claims.

On a monthly or annual basis, you pay a premium to your insurer for assuming this risk on your behalf. Your insurance company puts all premiums into one large pool. Your insurance is an annual contract, so the pool operates for only one year at a time.

Your insurance company uses the pool of many premiums to pay for the losses of the few who make claims in that year. If you haven’t made any changes to your policy during the year and haven’t made a claim, your rates may have increased as a result of claims frequency and severity in your particular region.

An auto insurance policy is a contract and, like other contracts, there is a penalty for breaking it early.

Liability insurance is about financial protection — for you and your family. It provides coverage for bodily injury and property damage sustained by others for which you or your family members are legally responsible. There are exclusions in the policy and many of them have exceptions. It's important that you read your policy to learn what is covered and not covered. You can also talk to an OTIP representative to get a fuller understanding of what is covered.

In Ontario, there is no tax on auto insurance.

OTIP is licensed to sell car insurance in Ontario. If you have a vehicle outside Ontario, please call us at 1-800-267-6847 to discuss your options.

OTIP provides group car insurance rates for dependent children living away from home while attending school. Once children are no longer dependants and they are not an education member, they can remain insured with OTIP; however, they will no longer be eligible for the group discount.

Yes. OTIP auto insurance is available to both active and retired members of the Ontario education community.

Related Information

• Learn more about our car insurance.

You will need to make insurance arrangements in the new province. Please call us on 1-800-267-6847 to discuss your options.

Ontario drivers are required to have the following coverage:

• Third-party liability
• Statutory accident benefits
• Direct compensation – property damage
• Uninsured automobile 

Collision coverage pays for losses caused when an insured vehicle is involved in a collision with another object, such as another vehicle, or rolls over. An "object" also includes a trailer that is attached to the vehicle that is covered by your insurance policy, the surface of the ground, and any object in or on the ground.

Collision coverage also protects you in a “hit and run” situation. If your car is hit, be sure to report any damage to the police.

Comprehensive auto insurance coverage pays for losses other than those covered by collision, such as fire, theft or attempted theft, lightning, windstorm, hail, rising water, earthquake, explosion, riot, civil disturbance, falling or forced landing of an aircraft or parts of an aircraft, falling or flying objects or missiles, and vandalism, as well as the stranding, sinking, burning, derailment or collision of any kind of transport in or upon which an insured vehicle is being carried on land or water. Some companies also include losses caused by animal impact under comprehensive coverage.

All perils coverage combines collision and comprehensive coverage. In addition, it covers loss or damage caused if a person who lives in your home takes the vehicle that is covered by your insurance policy without your permission.

All perils also covers you if an employee who drives, uses, services or repairs your vehicle steals it. For example, if you take your vehicle to a garage for repairs and an employee involved in the repair steals it, it would be covered under your all perils coverage.

"No fault" does not mean that no one is at fault in a motor vehicle accident. It is an insurance term that describes accident benefits coverage that is paid for injuries or death sustained in a motor vehicle accident regardless as to who was at fault for the accident. It also refers to direct compensation-property damage where you claim your damages through your own insurance company if the accident takes place in Ontario (certain regulations apply).

Only the registered owner can insure the vehicle because they have a financial interest in it. However, the registered owner may list someone else as the principal operator of the vehicle.

You are covered as long as the person driving has a valid automobile driver’s license. When you lend your vehicle, you lend your insurance and any accidents stay on your insurance record.

If the driver is a regular operator of the vehicle, that person should be added to your policy. In addition, any licensed driver who lives in your household is required to be listed as a driver on your policy.

Rental car coverage is not automatically included on an automobile policy. However, two types of rental car coverage are generally included:

• Transportation replacement provides you with a rental vehicle while your vehicle is in the garage for repairs as a result of a claim under the physical damage portion of your automobile policy.
• Liability for damage to non-owned automobiles covers a vehicle you are renting from a rental agency — while you are on vacation, for example. However it is valid only for non-owned automobiles in Canada and the United States. If you are driving internationally, you will have to purchase coverage elsewhere.

Many auto rental companies also offer a product called a collision damage waiver or loss damage waiver that protects you if the automobile that you have rented is damaged. Essentially, it transfers the responsibility for the cost of the damage from you to the auto rental company. Auto rental companies charge a daily rate on top of the rental charge for this protection.

Yes. Stone chips are covered under the comprehensive section of your policy. With some companies, the comprehensive deductible may not apply if your stone chip can be repaired.

Some auto or home and property claims are more complex than others and may take longer to settle. Others may be resolved in a single phone call. Your Curo claims advisor will keep you updated on the progress of your claim and is available to answer any questions you may have.

Curo Claims Service offers free claims counseling so that you can make an informed decision about how and if a claim will affect your insurance rate and how you’d like to proceed.

First and most important, secure your safety by pulling off the road (if possible). Once you are safely off the road, you should:

• Call the police.
• Take photos of the damage to your vehicle and to any other damage caused by the accident.
• Take the contact information of any witnesses. 

If your car is not drivable, instruct the tow company to take the vehicle to the nearest Collision Reporting Center or the nearest car dealership. Tow operators must follow your instructions. After your accident, you should report the claim to Curo as soon as possible.

Medical and rehabilitation benefits are provided by auto insurance policies in Ontario. These benefits are known as Statutory Accident Benefits and are provided regardless of fault if you, your passengers or pedestrians suffer injury in an auto accident.

The benefits you may be entitled to include:

• income replacement 
• medical 
• rehabilitation 
• attendant care 
• compensation for other expenses

Your Curo claims advisor can assist you in receiving timely, appropriate care to get you back to regular activities as soon as possible.

A vehicle is determined to be a total loss when the repairs required to fix the vehicle exceed its actual cash (or depreciated) value. Some vehicles may simply be damaged beyond safe repair or have been completely immersed in water or have extensive fire damage.

The Ontario Auto Policy states that the insurer is responsible to settle all claims on an actual cash value basis. Actual-cash basis takes into account the amount that the vehicle has depreciated since new. Depreciation can be affected by many factors, such as mileage, quality of paint, options, mechanical condition, tires, etc. When determining the value of a vehicle, things such as new paint, a new or rebuilt engine or new tires can add value. Items that are deemed regular maintenance (brakes, oil changes, etc.) generally add no value to the settlement of your vehicle.

Many insurance companies have a list of preferred body shops that will complete proper repairs to your vehicle. Your claims agent can assist you with finding one in your area.

Rental car coverage provides you with access to temporary transportation when your automobile is damaged, stolen or otherwise unavailable to you because of an insured loss. If your vehicle is stolen or not drivable because of loss or damage caused by a Collision or Comprehensive loss, we pay reasonable expenses incurred by you for the rental of a similar substitute vehicle or for public transportation subject to the limits of the policy. You can keep the rental until:

1. Your automobile is repaired or replaced,
2. We offer you a payment to settle the claim, or
3. Your total limit is reached,

whichever comes first.

Your auto policy renews annually on the anniversary of the date you first purchased your car insurance. You can find this date on your policy documents as well as on your pink card.

A home or property insurance policy is a contract and, like other contracts, there is a penalty for breaking it early.

Liability insurance is about financial protection — for you and your family. It provides coverage for bodily injury and property damage sustained by others for which you or your family members are legally responsible. There are exclusions in the policy and many of them have exceptions. It's important that you read your policy to learn what is covered and not covered. You can also talk to an OTIP representative to get a fuller understanding of what is covered.

In Ontario, property insurance policies are charged only the provincial portion of the HST (8%).

OTIP is licensed to sell home and property insurance in Ontario. If you have a property outside Ontario, please call us at 1-800-267-6847 to discuss your options.

You will need to make insurance arrangements in the new province. Please call us on 1-800-267-6847 to discuss your options.

Yes. Changes in occupancy can affect your home insurance, so you may require different policy coverage. Insurers treat owner-occupied homes differently than homes rented to third parties. Most companies will not insure a rental property without insuring the principal residence. In addition, it is very important that any tenants living in a property you own purchase tenant insurance. Always speak to your insurance representative if you are considering a change.

Businesses are excluded under the policy wording, but a home-based business extension can be added for an additional cost (subject to eligibility). Please call our OTIP service team at 1-800-267-6847 to discuss your options.

The selling price of your home isn’t as closely related to its insurance value as you might think. Basically, the purpose of most property insurance is to cover the cost of rebuilding your home from the ground up in the event of a major loss (e.g., a fire that destroys your entire home). The value of your insurance policy doesn’t factor in the cost of the land your home is built on, but it does need to cover the many costs associated with rebuilding a home.

In addition to the reconstruction costs, the value of your insurance policy should be enough to cover the expense of a tear down, removal and disposal of debris. You'll also need funds to cover the cost of labour for the debris removal. If your home is older, the builders may need to spend extra funds to bring the rebuilt structure up to current building codes.

Most insurance policies cover the cost of replacing the contents of your home with new fixtures of similar kind and quality. When you put your home on the market, an outdated kitchen can lower the selling price. But when you're insuring your home, the cost of replacing an outdated kitchen can make the value of the insurance policy higher than the price you would get for selling your home.

In most instances, yes. An extension provides coverage as long as your child is a dependant. 

When going on vacation for more than a few days during the usual heating season, you should always have someone check on your home to ensure that it is secure and there are no issues like burst pipes. This is especially important in winter as claims could be denied if no one was checking in on your home while you were away.

Alternatively, while you are away for more than a few days, you will have coverage if you shut off the water supply and drain all the pipes and domestic water containers or if the plumbing and heating system is connected to a monitored alarm station providing 24-hour service.

It is always recommended that you arrange to have someone collect the mail/newspapers and that lights are on timers to prevent theft and break-ins.

OTIP insures homes, rental properties, secondary homes, tenants/renters, condominiums, life leases, seasonal homes, cottages, mobile homes, park model trailers, holiday trailers and boats.

Short-term rentals are not covered on property policies.

Your association could have one of three types of policies:

• A policy that insures just the building and common areas
• A policy that insures your building and any items in your unit except those that are your personal property
• A policy that insures the building, your unit, and any fixtures or improvements you make to your unit

Condo insurance protects your personal property and any parts of your unit that aren't covered by your condo association's insurance policy.

Generally, companies offer three types of water protection:

• Base policy water coverage protection for loss or damage resulting from events such as burst water pipes.
• Sewer back-up protection for loss or damage related to the back-up or escape of water or sewage.
• Overland water protection for loss or damage related to water entering your property, from the sudden accumulation of water after heavy rains, spring run-off, or overflow of lakes and rivers.

Sewer back-up or a reduced limit of sewer back-up coverage is available for the majority of our members. If it’s unavailable to you, it may be because the city you live in has an aging infrastructure or others in your city are already experiencing this type of loss and haven’t taken any preventative measures.

Overland water insurance is also available to the majority of our members. However, some members may live in areas that are very highly prone to overland water, where the product will not be offered.

Water that enters your dwelling through an opening created suddenly and accidentally by a peril not otherwise excluded is covered. For example, if extremely high winds rip a portion of your shingles off and water enters your home as a result, damaging an interior ceiling, you would be covered. As well, the backing up or escape of water from an eavestrough or down spout or by ice damming would be covered.

Wear and tear or deterioration, however, is never covered under an insurance policy

Curo Claims Service offers free claims counseling so that you can make an informed decision about how and if a claim will affect your insurance rate and how you’d like to proceed.

Property policies separate losses into various types, each with its own conditions and limitations.

• Personal property. Most of the contents of your home, from your clothes to linens to electronics, are considered Personal Property.
• Real property. Buildings and land are considered real property. A fire in your home can damage both the structure (real property) and the contents of the home (personal property).
• Liability. Your responsibility to other people when they suffer loss or injury caused by your negligence. Common liability claims result from dog bites and injuries called by falls (ice-covered driveways or sidewalks, broken hand rails, etc.).

The amount of coverage available depends on the type of policy, the insurance purchased and the nature of the loss. Curo can answer any questions you might have.

As soon as you discover a theft or break-in, call the police and don’t touch anything until they arrive.

• Secure the premises to avoid further damage, within reason (e.g., temporarily boarding up a window or door)
• Make a list of damaged or missing items and the damages to your home
• Take photos of the damage (e.g., damaged door or window)

To help you inventory your stolen or destroyed property, download the Schedule of Loss Form.

When you call the claims department, we suggest you have your home insurance policy handy. Your Curo claims representative will help you get things back to normal as soon as possible.

Related Information

• Download the Schedule of Loss Form.
• Have you a non-emergency home or property claim? Fill out our online non-emergency claim form.

Municipal waterworks can handle normal, or slightly above normal, water flow. However, sewers can back up following heavy precipitation, melting snow, a sudden thaw, a rise in the water table, or other unexpected weather conditions.

To help minimize the risk to your house or apartment, consider installing a backwater valve that complies with your municipality’s standards and bylaws. The valve closes automatically if the sewer backs up, preventing sewage from entering your basement.

If you have a backwater valve, be sure to maintain it. Proper care of your plumbing system will significantly reduce the risk of sewer backup.

We also recommend that policyholders protect their home by purchasing sewer back-up protection. In the event of a loss, Curo will help you deal with the emergency and start the claims process.

Should your washing machine or dishwasher overflow, or you forget to turn off your taps and water overflows into the apartment below, you are responsible for the damage.

Tenant insurance provides liability protection for unintentional damage you cause to someone or something in your apartment building. Without it, you would have to pay for any damage out of pocket.

Yes. OTIP home and property insurance is available to both active and retired members of the Ontario education community.

Related Information

• Learn more about our home and property insurance.

LTD insurance replaces a percentage of your salary and provides protection for your pension plan should you be unable to work because of illness or injury. The purpose of the LTD insurance is to provide income replacement benefits for serious disabilities resulting in long periods of absence.

During the initial assessment period (first 24 months of LTD benefits), disability is assessed on the basis of the duties of the specific assignment regularly performed before the disability commenced. You will be considered disabled if, because of illness, disease or injury, you are unable to perform the significant duties pertaining to your specific assignment.

After 24 months of LTD benefits, the “any occupation” definition of disability applies and you will be considered disabled if illness, disease or injury prevents you from being gainfully employed.

Three forms are required to initiate a long term disability claim:

• Member's Statement
• Plan Administrator's Statement
• Attending Physician's Statement 

You can get these forms from your school board, federation, association or an OTIP representative.

When submitting your application, please include the following items, if available:

• Copies of any medical documentation related to your present condition (including consultation reports, tests results and x-rays).
• A copy of your auto insurance claim file and accident report, if your claim is related to a motor vehicle accident.
• A copy of your Workplace Safety And Insurance Board (WSIB) claim correspondence and present status, if your claim is the result of an injury at work.

The initial assessment includes:

• Review of your three required claim forms (Member's Statement, Plan Administrator's Statement, Attending Physician's Statement).
• A preliminary telephone interview.
• Evaluation of the medical information provided.

The claims decision will be communicated to you verbally and in writing. If the decision is to decline benefits, the reasons will be explained.

Our goal is to process all Long Term Disability (LTD) claims as quickly and efficiently as possible. The actual processing time will vary from one claim to another.

You have a limited time from the date of the claims decision letter to appeal. This date will be outlined to you in your decision letter.  You can also find this timeframe information outlined in your group plan provisions. To initiate your appeal, you are required to send an appeal letter outlining the reasons why your claim should be reconsidered. You should submit any new and/or additional medical information to support your claim. Any costs associated with the appeal are your responsibility.

If you choose to appeal a claim decision, OTIP disability service representatives (DSR) are available to help you prepare your appeal and navigate the appeals process. This is a unique benefit offered by OTIP. The services are provided as part of your LTD benefits, at no additional cost to you, and you can choose to use the appeal services of the DSR at any point in the claims process.

See the LTD Appeals section for more information.

The waiting or elimination period is the time between the onset of a disability and the date your long term disability (LTD) benefits become payable. The waiting period starts when you first become disabled.

The waiting period could be based on a specified number of calendar or working days or the expiration of sick leave if later. The provisions specific to your policy will be outlined in your group insurance policy.

Benefit payments are based on the provisions outlined in your group insurance policy. Usually, they are a percentage of your salary and are provided to you while you remain disabled. These benefits are paid in arrears on a monthly basis.

The EI program assists you in returning to a productive lifestyle in the workplace as quickly and safely as medically possible. The program is informative and it provides you with an opportunity to confidentially discuss your situation and needs with a qualified OTIP Early Intervention Rehabilitation Consultant (EIRC).

Once OTIP has been notified of your absence from work, the EIRC will contact you by telephone within a few days to provide the details of the EI program. The EIRC will also gather your information in order to determine how the program can best meet your needs. Based on OTIP’s assessment of your needs, an assistance plan will be developed if it is needed.

To assist in coordinating your return to work, OTIP has a qualified, professional team of rehabilitation consultants (RCs) who offer bilingual services, are available province-wide and are experienced in working with members of the education community.

Your RC will work with you and your physicians to develop a return-to-work plan that meets your needs. OTIP’s rehabilitation program ensures that you have a dedicated resource on your side, helping to facilitate communication and positive change with all parties involved.

You can continue to receive LTD benefits as long as you meet the definition of disability outlined in your contract and have not yet reached the maximum benefit period. In standard plans, this is the end of the month in which you reach age 65 or the date you are entitled to a 62% to 66% unreduced service pension from the Ontario Teachers' Pension Plan Board (OTPPB), whichever comes first.

For OMERS (Ontario Municipal Employees Retirement Systems), the maximum benefit period is specified in the Table of Benefits of your LTD plan. Please refer to your LTD plan for more information.

The Ontario Teachers’ Pension Plan (OTPP) waives pension contributions for disabled members who start receiving LTD benefits on or after September 1, 2001. As a result, your pensionable service will continue to accumulate while you receive LTD benefits.

For employees with an OMERS pension plan, you may be entitled to a waiver of your pension contributions. The application for OMERS waiver of pension contributions is completed by your employer. We recommend that you speak directly with your employer about this process.

For denied claims, LTD coverage will only be extended 60 working days beyond the end of the waiting period. For terminated claims, coverage will be extended 31 days beyond the date benefits are terminated.

Following this time period, the LTD plan requires a member to be actively at work to be insured. In order to satisfy this requirement, the member must be fully capable and actively performing his or her regular duties.

For Group Benefits member:

The new provincial Life Insurance Contract requires that you must be actively at work for plan benefit coverage to become effective. Should you not actively be at work on the date your coverage would normally become effective, your coverage will take effect on the next day on which you are again actively at work. However, if you were not approved for waiver of life insurance premium under your previous plan, and you or your board maintained your life insurance coverage while you were disabled on a premium-paying basis, the amount of life coverage that you had with the previous carrier is being provided under the new provincial plan. We are working to validate your life insurance information and ensure the correct data is reflected in our systems.

For Group Benefits member:

If your date of disability is prior to the transition date, we encourage you to apply for a life waiver of premium claim under your previous policy. There may be a deadline to apply for this benefit and we recommend contacting your previous benefits provider as soon as possible to ensure your life coverage can be maintained and, at no cost to you.

For Group Benefits member:

The Life Insurance Waiver of Premium is provided to ensure that the amount of life coverage you had when you became disabled can be maintained (even if there are changes in your plan) and, at no cost to you should you become disabled. Essentially, the insurance company will “lock-in” your life coverage and forgo future premiums while you are disabled --- even if the policy is terminated or a change in insurance carrier take place. The disability waiver feature differs from company to company, but often expires at age 65. The waiver terminates when you no longer meet the terms of the contract including the definition of disability, termination age etc.

For Group Benefits member:

OTIP continues to validate information and process updates for all members on LTD. While we update your information should you have any questions, please email us at OTIP_onLeave_Contact@otip.com or contact OTIP Benefits Services at 1-866-783-6847.

If you have questions with life coverage provided under the waiver of premium provision with the previous carrier, please contact your previous insurance company or benefits administrator.

Group life insurance is tied to your employment status, so if you leave your current position, you may no longer have coverage. Your group life plan may offer a flat benefit of $25,000 to $150,000, or one to three times your annual salary. Group rates may also be higher and have annual premium changes.

Individual life insurance rates are guaranteed and level for specific terms. Rates are determined by sex and smoking status and overall health so you may qualify for lower rates. Our life insurance products are portable and not tied to your employment so they will be in force for whatever the length of the policy is. You may qualify for individual policies up to $1 million, and they are not tied to your salary.

If you have not smoked or used nicotine replacement products (including e-cigarettes) for over 12 months, we can consider you to be a non-smoker. Otherwise, you will be considered a smoker for life insurance purposes. In order to qualify for non-smoker premiums, contact OTIP’s Life and Living Benefits service department at 1-888-452-6847. Depending on the carrier, you may have to reapply based on current health or complete a smoking questionnaire that may require a blood test.

There is no medical required to purchase LifePlan term life insurance online. For LifePlan 100, Term 10 and Term 20 standard blood and urine (and possibly paramedical) tests are required.

Mortgage and credit insurance cover only the costs of your outstanding debts. The amount covered will decrease as you pay down your outstanding balances. Term life insurance allows you to pick a specific amount of coverage that will not decrease over time. In addition, your beneficiary (not your lender) receives the death benefit, as a tax-free lump sum. Your named beneficiary can decide how best to use the proceeds, including paying off mortgage and outstanding debt. The premiums are generally lower and the insurance is not tied to any debt or lending rate/institution.

Individual term life insurance is open to the families of our members ages 18 to 60 (up to age 70 for Term 100).

Related Information

• Learn more about our life insurance products.

If you want to increase your coverage, you may need to submit a new application and have a medical evaluation, depending on which policy you currently have. To decrease or terminate your policy, contact OTIP’s Life and Living Benefits service department at 1-888-452-6847. A representative will review your file and explain your options.

If you purchased LifePlan coverage online, you can access your policy information through the online member portal. For all other life products, you must contact OTIP’s Life and Living Benefits service department at 1-888-452-6847 for information or send us an email with your request. We will order and mail/email your information to you.

Related Information

• Login to access your life insurance policy details and beneficiary form.

If you are a LifePlan member, your policy terminates at the term year end specified at the time of application. You can review your coverage, policy summary and contract through the online member portal.

• Term 10 renews every 10 years up to age 85.
• Term 20 renews every 20 years up to age 85 or you can reapply after the 20th year.
• Term 100 policy holders have a level premium and coverage up to age 100. If you live to age 100, the policy will pay out as a living benefit.

Related Information

• Login to access your life insurance policy details and beneficiary form.

No. OTIP offers only term life insurance. There is no cash value built up within our policies.

If you retire or leave the profession, your insurance coverage will remain for the length of your selected term. OTIP’s term life insurance is considered individual and is not tied to your title or status as an education employee.

When your term life insurance policy expires, you can choose to auto renew, reapply at your current age/health or terminate the policy

Yes. You can have more than one insurance policy in force, even if they are not all with OTIP as your Broker. There are certain limits with carriers if an insured holds more than $1million worth of coverage. Contact OTIP’s Life and Living Benefits service department at 1-888-452-6847 for more information about these limits.

Related Information

• Learn more about our life insurance products.

For your beneficiary designations, if your spouse is the primary beneficiary and your child(ren) is the contingent beneficiary, you will need to appoint a trustee who would be in trust for your child(ren) in case your spouse is deceased. The trustee will keep the money in trust until the child(ren) is of legal age. The trustee is usually the same person named as the trustee in your will.

If all the named beneficiaries were to pass away at the same time, then the estate automatically becomes the beneficiary. In this specific situation, the beneficiary will be the person who is named in your will after your spouse and child(ren).

For Group Benefits member:

Once you return to active full-time work, you will be eligible for the amount of coverage available under the new provincial plan. If you have already returned to work and your coverage has not been updated, please be assured we are working diligently to update your information.

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

• Do I have trip cancellation in my employee benefits plan?

If your benefits are provided through your employee benefits plan:

Details of your travel coverage can be found in benefits booklet under the Out-of-Province/Out-of-Canada section that covers topics such as:

• Emergency Travel Assistance
• Medical Emergency Assistance
• Non-Medical Assistance
• Health Advice and Assistance
• How to Access Emergency Travel Assistance - Your Benefits Card

If you are an RTIP/ARM member:

Your travel coverage can be found on our website or in your benefits booklet under Part C: Deluxe Travel Benefits section that covers topics such as:

• Definitions
• Emergency and Payment Assistance
• Eligible Expenses
• Eligible Medical Expenses
• Emergency Assistance Services
• Automatic Extension of Coverage
• Exclusions

If you have questions about your travel coverage, please contact OTIP Benefits Services at 1‑866‑783‑6847.

Related links: How to access my benefits booklet?

Your benefits card is valid proof of travel insurance and is the card you will need on hand when you travel.

In the event of a medical emergency while travelling outside your province of residence, please call the toll-free numbers listed on your benefits card. The toll-free number will put you in touch with the international travel assistance organization.

Your benefits card also lists your Plan Contract and Member Certificate numbers, which the travel assistance organization needs to confirm that you are covered by Emergency Travel Assistance.

Related links: How to print off a benefit cards?

If your benefits are provided through your employee benefits plan:

Emergency Travel Assistance provides travel assistance for you and your dependants during the first 60 days while you are temporarily outside your province of residence. The assistance services are delivered through an international organization, specializing in travel assistance.

Assistance is provided for both Medical and Non-Medical travel emergencies.

In addition, Emergency Travel Assistance also provides you and your dependants with Health Advice and Assistance, whenever and wherever such services are needed - whether at home or while travelling.

Details of your travel coverage can be found in your benefits booklet under the Out-of-Province/Out-of-Canada section that covers topics such as:

• Emergency Travel Assistance
• Medical Emergency Assistance
• Non-Medical Assistance
• Health Advice and Assistance
• How to Access Emergency Travel Assistance - Your Benefits Card

If you are an RTIP/ARM member:

Dependants listed under your health insurance plan will be covered for travel emergencies. Emergency medical treatment is up to $2 million per person, per trip while travelling outside your province of residence and coverage is for up to 95 consecutive days per trip, with an unlimited number of trips per year. For more details on your travel coverage, visit our website or check your benefits booklet under Part C: Deluxe Travel Benefits section that covers topics such as:

• Definitions
• Emergency and Payment Assistance
• Eligible Expenses
• Eligible Medical Expenses
• Emergency Assistance Services
• Automatic Extension of Coverage
• Exclusions

If you have questions about your travel coverage, please contact OTIP Benefits Services at 1‑866‑783‑6847.

Related links: How to access my benefits booklet?

Your employee benefits plan does not include trip cancellation coverage.

For trip cancellation, OTIP has partnered with 21st Century Travel Insurance Limited to give you exclusive rates and comprehensive coverage, wherever and whenever you need it. Get travel insurance that picks up where your employee benefits plan or RTIP/ARM coverage leaves off.

You can check your benefits booklet to see what travel coverage you already have for yourself and your dependants.

Consider extra coverage if you want:

• To increase the number of days out-of-province/out-of-country
• To increase dollar maximums
• To provide coverage for your visitors from abroad
• Trip cancellation insurance (if applicable)

To get a quote, call 21st Century Travel at 1-844-291-7230 and identify yourself as an OTIP member.

Related links: How to access my benefits booklet?

Upon arrival, you must also present proof of health insurance that is valid for the period of your stay in Cuba; such proof includes an insurance policy, insurance certificate or medical assistance card (photocopies are accepted).

Your benefits card is valid proof of travel insurance as it falls under the medical assistance card category.

All health insurance policies are recognized, except those issued by U.S. insurance companies, as U.S. firms cannot provide coverage in Cuba. If you do not have proof of insurance coverage, you may be required to obtain health insurance from a Cuban insurance company upon arrival.

Temporary residents must also hold valid health insurance policies.

If you are travelling to another location, visit travel.gc.ca to get up-to-date information on entry and exit requirements and other important information to make your trip a smooth one.

Related links: How to print off a benefits card?

Before topping up your travel coverage, check your benefits booklet first, to see what travel coverage you already have for yourself and your dependants.

Consider extra coverage if you want:

• To increase the number of days out-of-province/out-of-country
• To increase dollar maximums
• To provide coverage for your visitors from abroad
• Trip cancellation insurance (if applicable)

OTIP has partnered with 21st Century Travel Insurance Limited to give you exclusive rates and comprehensive coverage, wherever and whenever you need it. Get travel insurance that picks up where your employee benefits plan or RTIP/ARM coverage leaves off. To get a quote, call 21st Century Travel at 1-844-291-7230 and identify yourself as an OTIP member.

Related links: How to access my benefits booklet?

In the event of a medical emergency while travelling outside your province of residence, please call the toll-free numbers listed on your benefits card. The toll-free number will put you in touch with the international travel assistance organization.

Your benefits card also lists your Plan Contract and Member Certificate numbers, which the travel assistance organization needs to confirm that you are covered by Emergency Travel Assistance.

Related links: How to print off a benefit cards?

To submit a claim, you must complete an Extended Health Benefit Claim form.

All applicable receipts must be attached to the completed claim form when it is submitted and mailed to the address indicated on the form.

All claims must be submitted by the end of the calendar year following the year in which the expense was incurred. However, upon termination of your insurance, all claims must be submitted no later than 90 days from the termination date.

Claims for Out-of-Province/Canada expenses will be managed and coordinated by the company contracted by Manulife Financial to provide the travel assistance services.

For employee benefits plans only: If you are submitting a claim under C$200 for physician’s fees or hospital services incurred outside your province of residence, please print and complete the Out-of-Province/Out-of-Country Claim form.

If you have questions about your travel claims, please contact OTIP Benefits Services at 1‑866‑783‑6847.

Eligible dependent students are covered while attending school out of the country. The benefit coverage is the same as if they were travelling; however, coverage is only for the first 60 days out of the country. Therefore, it is important to purchase individual travel insurance to cover your dependant(s) after this time.

If your child(ren) is studying in the U.S., please note that:

• Our Canadian group benefits plans which includes coverage for Out-of-Country and Emergency Travel Assistance do not meet the Patient Protection and Affordable Care Act's (PPACA) requirements for coverage
• Many U.S. colleges will not accept Canadian group plan coverage for waiver purposes and require that foreign students purchase the school’s own insurance plan as a requirement
• Therefore, we recommend to parents to purchase the medical coverage available to students through the academic institution they are attending

If you have questions about your travel coverage, please contact OTIP Benefits Services at 1‑866‑783‑6847.

Related links: Does my benefits plan cover my dependants for travel emergencies?

As an education employee, you can apply for coverage if you:

• were contracted for a minimum of 10 working days during the previous school year, OR
• were contracted for or completed a minimum of 10 working days during the current school year.

No matter what your job is in education, we can help you find an occasional benefits plan that fits. Customized coverage can include:

• Extended health care
• Dental care
• Life insurance
• Long term disability

To apply for coverage, call the OTIP Life and Living Benefits sales department at 1-800-267-6847.

Related Information

• Learn more our Occasional Education Employee insurance plans.
• Download our Occasional Education Employee application form.

As an education employee, you can apply for coverage if:

• You were contracted for a minimum of 10 working days during the previous school year; OR
• You were contracted for or completed a minimum of 10 working days during the current school year.

Related Information

• Learn more about our Occasional Education Employee Plans.

As an education employee, you can select from the following coverage options and purchase only the insurance products that fit your flexible lifestyle:

• life – including accidental death and dismemberment
• long term disability (LTD)
• extended health care
• dental care

Related Information

• Learn more about our Occasional Education Employee Plans.

To apply for funding under the Corporate Donations Program, please review the criteria on our website at www.otip.com/corporate-donations and complete the online Donation Request Form.

In order to be eligible for funding, organizations must be a registered Canadian charity. Preference is given to those projects, programs or campaigns targeted to communities in which we have a significant business presence.

To learn more about the criteria we use for our Corporate Donations Program, visit our website at www.otip.com/corporate-donations.

Emphasis is placed on programs that:

• Serve the needs of the communities where OTIP has a significant business presence.
• Provide services to Ontario's educators, children and families.
• Support organizations where OTIP employees are actively involved as contributors or volunteers.

All requests for donations are evaluated quarterly, with decisions made in February, May, August and November. Registered charities are welcome to apply once per year for funding. Organizations receiving funding may be asked to provide a final report detailing the results and benefits achieved through the funded project, program or campaign.

To learn more about our Corporate Donations Program, visit our website at www.otip.com/corporate-donations.

To register for OTIP Charity Golf Classic, visit our website at www.otip.com/golf and complete the online registration form.

www.otipservices.com has been moved to www.otip.com.

www.otipservices.com was developed years ago as a quick entry point for members to find information on their health and dental claims. Today, this site no longer meets the needs of our members.

Our new www.otip.com has been redesigned to be agile and mobile-responsive. This site has everything you need to make a claim, locate your benefits booklet or find a form.

• Log in to make a Health and Dental claim
• Log in to make a Retiree Health and Dental claim
• Find a Form

To be eligible to win, you must meet the following criteria at the time of the selection:

• You or your relative (e.g. child, stepchild, grandchild, aunt, uncle, sister, brother, spouse, etc.) must be insured through an individual or group policy of an insurance plan or program offered by OTIP.
• The applicant must be a full- or part-time post-secondary student at a college or university for the upcoming academic year.

Learn more about the OTIP Bursary Program.

Only one entry per applicant (student) will be accepted. Entries must be received before midnight on June 15.

Winners are only eligible to receive the OTIP bursary once.

Learn more about the OTIP Bursary Program.

Based on a lottery system, the OTIP Bursary Program will randomly draw winners from all eligible entries received. The bursary is $1,500 CAD per winner. Winners are only eligible to receive the OTIP bursary once.

The winners will be contacted by telephone and will be required to submit proof of attendance at a college or university on a full-time or part-time basis for the upcoming academic year.

Only one entry per person (student) will be accepted. Entries must be received before midnight on June 15.

Learn more about the OTIP Bursary Program.

Entries must be received before midnight on June 15.

To learn more about the OTIP Bursary Program, go to www.otip.com/bursary.

The bursary entry form is online at www.otip.com/bursary. Entries must be received before midnight on June 15.

To learn more about the OTIP Bursary Program, go to www.otip.com/bursary.

The bursary entry form is online. The entry form can be completed by the applicant (student) or the OTIP member (you, your parent, step-parent, grandparent, aunt, uncle or legal guardian).

Only one entry per person (student) will be accepted and it must be received before midnight on June 15.

Winners are only eligible to receive the OTIP bursary once.

Learn more about the OTIP Bursary Program.

Yes. If the applicant is going to a school that is out-of-province or in another country, they can still be entered in the bursary program.

Yes. You can apply for as many applicants as long as they meet the eligibility requirements. However, we will only accept one entry per applicant. Duplicate entries will be removed.

Entries must be received before midnight on June 15.

Winners are only eligible to receive the OTIP bursary once.

Having the policy number entered on the online application will help to speed up the verification process if the applicant has been selected as a winner. If you do not have the policy number handy, please ensure the following information is accurate:

• Name of the person who is an OTIP member (you, your parent, step-parent, grandparent, aunt, uncle or legal guardian)
• Affiliate/Union of OTIP member
• Type of insurance (auto, property, long term disability (LTD), EHC/Dental, retiree)

Winners will be randomly drawn from all eligible entries received. The winners will be contacted by telephone and will be required to submit proof of attendance at a college or university on a full-time or part-time basis for the upcoming academic year.

The winners will be asked a skill-testing question, which must be answered correctly. Should any of the winners not provide proof of attendance, not correctly answer the skill-testing question, or have previously received an OTIP Bursary, they will be deemed ineligible. Should this occur, another randomly selected winner will be chosen. This process will continue until 20 winners are declared.

Please keep checking back as new workshops are added all the time. Alternatively, you may want to check your union’s website for additional workshops they may be hosting.

Yes, you are welcome to bring a guest. Please indicate this as you complete your registration form.

No, there is never a fee to attend an OTIP Retirement Workshop.

No, all required materials will be given out during the presentation. It may be helpful to bring along a pad of paper for notetaking.

The presentation will cover health and dental coverage options at retirement, pension, and sources of retirement revenue.

The workshop will run approximately three hours.

Yes, a light meal will be provided at the start of the workshop. If you have any special requirements, please note this in your registration form.

Yes, you will receive an email confirmation once you have been registered, followed by reminder emails; one week in advance and 24 hours in advance. Please also make a note of the date, time and location of the workshop in your calendar.

Please find your registration email and click on the link to cancel your registration.

You are able to register for a workshop that shows your own affiliation or if the site says “all” affiliations are welcome.  If you do not see your own affiliation then no, you are unable to register for that particular workshop.

Please call OTIP at 1-800-267-6847 to speak with a Life and Living Benefits representative.

Scroll to the top of the page, as sometimes the form appears at the top of the page instead of the bottom.

You will be notified via email if a spot opens up for you.

If you join a waitlist and do not hear back, it means there were no additional spots available for that particular event.