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Help Centre

We’re here to help

 

What can we help you find?


Most Popular Questions

How do I log in to my health and dental plan?

If you are a Group Benefits member:

  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.


What do I do if I’m having trouble logging in?

There are two things we encourage you to do:

  1. Clear your cache.
  2. Remove a saved password.

Clearing your cache

If you are encountering difficulties logging into OTIP’s secure member site, we recommend you try clearing your cache and refreshing your page. To clear your cache, press Ctrl+F5 (PC) or Command+Option+E (Mac).

Removing a saved password

If you have your current password saved to log into OTIP’s secure member site, you will need to update it for your new plan before you can log in. To remove a saved password, please follow the directions below for whichever browser you are using.

  • Chrome
    1. Click on the menu in the top-right corner of your window.
    2. Click Settings.
    3. Click Show advanced settings… at the bottom of the page.
    4. In the Passwords and forms section, click Manage passwords.
    5. Select the site with the password you’d like to remove and click X.
  • Firefox
    1. Click on the menu button at the top-right corner of the page.
    2. Click Options.
    3. Select the Security tab.
    4. Click Saved Logins.
    5. Select the site with the password you’d like to remove and click Remove.
  • Safari
    1. Select Preferences from the menu bar at the top of the screen. If your menu bar is not visible, press the ALT key to make it appear.
    2. Select the Autofill tab.
    3. Click Edit under Usernames and Passwords.
    4. Select the site with the password you’d like to remove and click Delete.
  • Internet Explorer (IE)
    1. Click the gear wheel icon in the top-right corner.
    2. Select Safety.
    3. Click Delete browsing history in the submenu.
    4. Select Passwords from the list.
    5. Click Delete.

Where do I find the beneficiary designation form?

If you are a Group Benefits member:

Once you have completed your benefits enrolment in My Benefits, you will see a page summarizing your coverage. At the bottom of the page is a box that contains a link to the required form. Click the link to access the form. This is the form that you must print, date, sign and mail to OTIP by the expiry date indicated on your transition enrolment event.

NOTE: If you do not download the form during the benefits enrolment process, you can also find it under Pending Forms on the My Benefits home page. You will continue to see the Beneficiary Designation form under Pending Forms until OTIP receives your completed and signed form.

If you are an RTIP/ARM member:

Please contact OTIP Benefits Services at 1-866-783-6847 to receive a copy of the Change of Beneficiary form.


What happens if I don’t complete my beneficiary designation?

If OTIP does not receive a signed beneficiary designation form from you, then:

  • Policy proceeds may not be directed to your desired up-to-date beneficiary (e.g. spouse);
  • Payment of the proceeds will be delayed as a result of the proceeds becoming part of your estate and subject to probate laws;
  • Added probate and legal costs will be incurred and there will be income tax implications depending on your relationship with the beneficiary.

How do I sign up for direct deposit for my claim payments?

If you are a Group Benefits member:

  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. Click the My profile tab.
  5. Select Update Direct Deposit and ECS 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 profile tab.
  4. Select Update Direct Deposit and ECS information.

Browse Questions by Product Category

Health and Dental

 

Health and Dental Questions

How do I log in to my health and dental plan?  

If you are a Group Benefits member:

  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.

What should I do if I forget my password?  

To reset your password:

  1. Go to www.otip.com.
  2. Click log in on the top right corner of the website and select Health and Dental (if you are an active member) or RTIP/ARM (if you are a retired member).
  3. If you are an active member, click on Forgot your password?, enter your Plan Identification Number (found on your benefits card) and date of birth. Click Validate and follow the instructions.
  4. If you are a retired member, 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:

  1. Go to www.otip.com.
  2. From the menu, select Health and Dental (if you are an active member) or RTIP/ARM (if you are a retired member) and log in.
  3. Click on “My profile” and then “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 you are a Group Benefits member:

  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 succesfully logged in, click My Claims.
  4. Click Benefits booklet in the Quick links list.

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 succesfully logged in, click Benefits booklet in the Quick links list.

How much benefits coverage do I have?  

If you are a Group Benefits member:

  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 successfully logged in, click My Claims.
  4. Click Benefits booklet in the Quick links list.
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 and log in.
  3. After you have successfully logged in, click Benefits booklet in the Quick links list.

How do I register for online access to my plan? What kind of services are included?  

If you are a Group Benefits member:

As a Group Benefits member, 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.

You can view a video tutorial and find more information about registering on OTIP’s website and enrolling in your benefits plan at www.otip.com/loginhelp.

If you are an RTIP/ARM member:

  1. Go to www.otip.com and 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. Once you have submitted your registration, an activation key will be mailed to your home address. To complete your registration, go to www.otip.com, log in and enter your activation key.

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 you are an active member:

  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 Claims tab or click Submit a health or dental claim in the Quick links box

If you are a retired member:

  1. Go to www.otip.com.
  2. Select RTIP/ARM from the menu and log in.
  3. After you have succesfully logged in, select the Claims tab or click Submit a health or dental claim in the Quick links box.

How do I check on the status of a claim?  

If you are a Group Benefits member:

  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 sucessfully logged in, click My Claims.

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 succesfully logged in, select Claims tab.

Your most recent claims will be listed. To see a history of your claims, click on the Claims tab.

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

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 the Plan Member Secure Site (My claims), 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 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.

How do I add a dependant to my plan?  

If you are a Group Benefits member:

  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 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).

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 predeterminations 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?  

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 .

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

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 the beneficiary information for my group life coverage?  

If you are a Group Benefits member:

  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).

How do I update my benefits during a leave?  

For Group Benefits members only:

  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 Work Event heading, choose Leave Selection – FTE Reduction and complete the steps.

How do I get my claim statement for last year?  

If you are a Group Benefits member:

  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 Claims tab and click on Search my claims.
  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 successfully logged in, select the Claims tab.
  4. Click Search my claims 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 you are a Group Benefits member:

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 OTIP 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 you are a Group Benefits member:

  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 My drug plan in the Quick links box.
  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 successfully, select My drug plan in the Quick links box.
  4. .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 coordinate my plan with my spouse's plan?  

If you or your dependants are covered under more than one benefit 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 benefit 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.

What happened to www.otipservices.com?  

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.

How do I send a secure email to OTIP Benefits Services?  

If you are a Group Benefits member:

  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. On My Claims home page, select the Questions 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 successfully logged in, select the Questions tab and click Send a note.

How do I print off additional benefits cards for my dependants?  

If you are a Group Benefits member:

  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.

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 numbers. 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 you are a Group Benefits member:

  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 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.
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 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.
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)?  

For Group Benefits member only:

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 succesfully 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.).

How do I ensure my overage dependant(s) are covered under my plan?  

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.

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 (also known as the 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?  

For Group Benefits members only:

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 you are a Group Benefits member:

If you are an active member, 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 successfully 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).

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 https://www.ontario.ca/page/get-coverage-prescription-drugs 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 www.express-scripts.ca/OTIP 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, visit www.otip.com/forms 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. Visit www.otip.com/forms to access the form.

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?  

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.

Auto and Home

 

Auto and Home Questions

How do I know when my home/property policy is renewing?  

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.

Why did my rates go up?  

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.

Is there a penalty if I cancel my auto policy before the renewal date?  

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

What does the liability section of my home/property policy cover?  

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.

Is there sales tax on auto insurance?  

In Ontario, there is no tax on auto insurance.

Do you insure vehicles outside of Ontario?  

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.

Can my child get group car insurance rates when they don’t live in the same household as me?  

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.

Can I maintain auto insurance through OTIP once I’ve retired?  

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

Related Information

I am thinking of moving to another province. Can my auto insurance remain in force?  

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

What coverage is legally required to drive my vehicle?  

Ontario drivers are required to have the following coverage:

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

What does collision coverage include?  

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.

What does comprehensive car insurance coverage include?  

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.

What is all perils 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.

What is "no fault" insurance?  

"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).

Can I insure a vehicle if I am not the registered owner?  

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.

Am I covered if someone else is driving my car and gets into an accident?  

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.

Does my auto insurance cover a rental car?  

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.

Are stone chips covered by my auto policy?  

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.

How long does it take to settle an auto or home/property claim?  

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.

If I make an auto claim will my rates change?  

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.

What should I do if I’m in a car accident?  

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.

What happens if I’ve been injured?  

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.

When is a vehicle deemed a "total loss"?  

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.

What is an approved shop? Can I choose my own shop?  

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.

I purchased rental car coverage; how does it work?  

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.

How do I know when my auto policy is renewing?  

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.

Is there a penalty if I cancel my home/property policy before the renewal date?  

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

What does the liability section of my auto policy cover?  

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.

Is there sales tax on home insurance?  

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

Do you insure properties outside of Ontario?  

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.

I am thinking of moving to another province. Can my home/property insurance remain in force?  

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

I am planning to rent out my house. Do I need to make any changes to my policy?  

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.

Am I covered if I have a home-based business?  

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.

Why is my house not insured for its market value?  

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.

Does my home insurance cover my child’s belongings while away at college or university?  

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

What should I do when I go on vacation? Does someone need to check on my house?  

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.

What types of properties do you insure?  

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

Can we insure Airbnb properties?  

Short-term rentals are not covered on property policies.

I own a condo. What does my condo corporation cover and what am I responsible for insuring?  

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.

Why isn’t water damage coverage available for my home?  

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.

Is my roof covered for leaks? Under which instances would I be able to make a claim?  

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

If I make a home/property claim will my rates change?  

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.

What’s covered by my property policy?  

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.

What happens if items are stolen from my home?  

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

What is Sewer Back-up?  

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.

Who is responsible for water damage in my apartment?  

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.

Can I maintain home and property insurance through OTIP once I’ve retired?  

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

Related Information

 

Long Term Disability (LTD)

 

Long Term Disability (LTD) Questions

What is long term disability (LTD) 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.

What is the definition of disability?  

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.

How do I submit an LTD claim?  

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.

What happens once OTIP has received my LTD claim?  

The initial assessment includes:

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

How long does it take OTIP to make a decision on my LTD claim submission after receiving my application?  

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.

If my LTD claim is denied or terminated, how do I appeal the decision?  

You have two years from the date of the claims decision letter to appeal. 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.

What is a waiting or elimination period?  

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.

How are long term disability (LTD) benefits calculated?  

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.

What is OTIP’s Early Intervention (EI) Program and how do I qualify?  

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.

Can you tell me about OTIP’s Rehabilitation Services?  

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.

How long can I continue to receive long term disability (LTD) benefits?  

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.

Are my pension plan credits protected while I am receiving LTD benefits?  

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.

If my long term disability (LTD) claim is denied or terminated and I do not return to work, what LTD coverage do I have?  

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.

What if I was not approved for waiver of life insurance premium under my previous plan?  

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.

I went on LTD just prior to the transition. What do I do?  

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.

What is a Life Insurance Waiver of Premium?  

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.

When will my information be updated?  

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.

I am on long term disability (LTD) and just joined the new benefits plan. What about my life insurance?  

If you filed a claim and were approved for a waiver of life insurance premium under your previous plan, your life insurance will continue to be provided by your previous plan at no cost to you, as long as you continue to be eligible based on the terms of the previous contract. As life insurance is being maintained under the previous plan, you will see that both your salary and your life insurance amounts under the provincial plan are set at zero (0) dollars. Once your record has been updated in our benefits administration system, you will receive a confirmation letter from OTIP.

Life

 

Life Questions

What is the difference between group and individual life insurance?  

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.

What is your definition of smoker/non-smoker?  

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.

Do I need to undergo a medical in order to purchase life insurance?  

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.

What is the difference between the mortgage/credit insurance available from my lender and your life insurance?  

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.

Can my spouse or children apply for OTIP life insurance coverage?  

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

How do I change my life insurance coverage?  

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.

How do I get a copy of my life insurance coverage?  

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

How do I find out when my life insurance policy terminates or when my premium will increase?  

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

Does my life insurance have any cash value?  

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

What happens to my life insurance coverage if I am no longer part of the education community?  

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.

What happens when a term life insurance policy expires?  

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

Can I have more than one life insurance 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

What would happen to my life insurance if my spouse or all the named beneficiaries were deceased?  

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).

When will I receive the amount of life coverage available through the new provincial plan?  

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.

I am on long term disability (LTD) and just joined the new benefits plan. What about my life insurance?  

If you filed a claim and were approved for a waiver of life insurance premium under your previous plan, your life insurance will continue to be provided by your previous plan at no cost to you, as long as you continue to be eligible based on the terms of the previous contract. As life insurance is being maintained under the previous plan, you will see that both your salary and your life insurance amounts under the provincial plan are set at zero (0) dollars. Once your record has been updated in our benefits administration system, you will receive a confirmation letter from OTIP.

Related Information

Travel

 

Travel Questions

What travel coverage do I have under my 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?

Do I need a special travel card for my travel coverage?  

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?

Does my benefits plan cover my dependants for travel emergencies?  

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?

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

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?

What proof of travel insurance do I need to travel to Cuba?  

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?

When do I need to consider extra travel coverage?  

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?

What do I do if I get sick while I am on vacation?  

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?

How do I submit claims for these out-of-country expenses for my emergency medical assistance?  

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.

Is my daughter who is attending school out-of-country eligible for travel coverage under my plan?  

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?

Related Information

    No forms found
 

Occasional Employees

 

Occasional Employees Questions

I am an occasional employee. Can I sign up for benefits?  

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

Who is eligible to apply for the OTIP Occasional Education Employee Plan?  

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

What coverage options are available for occasional employees?  

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

 

Others

 

Others Questions

Who is eligible to win the OTIP bursary?  

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.

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

How many times can I apply for the applicant (student) for the OTIP Bursary Program?  

Only one entry per applicant (student) will be accepted.

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

How does the OTIP Bursary Program work?  

Based on a lottery system, the OTIP Bursary Program will randomly draw six male and six female 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.

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

What is the deadline for entering a student in 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.

How do I apply for the OTIP Bursary Program?  

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.

Who can fill out the OTIP bursary entry form?  

The bursary entry form is online at www.otip.com/bursary. 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.

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

How do I apply for corporate donations at OTIP?  

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.

What are the criteria for corporate donations?  

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.

How are corporate donation requests evaluated and determined?  

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.

How do I register for OTIP Charity Golf Classic?  

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

What happened to www.otipservices.com?  

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.

Still have Questions?

Send us your questions in the form below and we’ll get back to you as soon as possible.

NOTE: If you have registered for My Claims (Plan Member Secure Site), please log in and use the Send A Note feature to contact us. This allows us to securely authenticate who you are and protect your personal information. Go to My Claims

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