If your benefits are provided through your employee benefits plan:

You should have received an email inviting you to register for OTIP's secure member site. If you did not, or cannot locate this email, please call us at 1-866-783-6847.

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. Click on 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

If you are registering for the first time and have locked your account, contact OTIP Benefits Services technical help line at 1-888-521-0023 and they will assist you.

If you are a returning user and you have locked your account after three unsuccessful password attempts, you can unlock your account by selecting the ‘Forgot password’ link and following the instructions. You will need to provide answers to the security questions you set during your registration. If you need assistance, please contact OTIP Benefits Services at 1-888-521-0023.

If you answer your security questions incorrectly and have suspended your account, you will need to contact OTIP Benefit Services at 1-888-521-0023 to regain access.

OTIP respects the privacy of its members and continually works to protect it. The personal information shared with us, stays with us. Protecting our members’ privacy means we keep your information in strict confidence.

As part of our ongoing efforts to ensure your privacy is fully respected, we have developed policies and procedures aimed at protecting your personal information. Strong passwords are important measures to prevent unauthorized access to your personal information.

The secure member login gives you access to both My Claims and My Benefits in one location, accessed by one username and password.

My Claims allows you to make and submit health and dental claims, check the status of a claim already submitted, and provides access to your benefits booklet. You can also sign up for direct deposit and electronic claim statements through My Claims.

My Benefits is not only where you complete your initial benefits enrolment, it is also where you will make changes to your benefit coverage after a life event, like getting married or having a baby. My Benefits makes it easy to review your coverage, add a dependant or update your beneficiary designations.

To access the secure member login from www.otip.com, click on Log in and select Health and Dental from the drop-down menu.

Once on the secure member login page, log in using your OTIP Identification Number, date of birth, and the password you set when you registered. After you have logged in, you will be taken to a landing page where you can access both My Claims and My Benefits.

Your personal information, such as your name and address, comes to OTIP directly from your school board. Please contact your school board if you require a change to this information. Your school board will then provide OTIP with updated information that will be automatically corrected in My Benefits within 10 days.

Adding your dependants is an important first step, but ensuring each of them has the coverage you want is just as critical. It is important you review the Extended Health Care and Dental Care coverage options carefully.

If the coverage option is pre-selected to ‘covered’, you will already see yourself, and any eligible dependants, covered under this benefit. You will need to validate that these are the people you want covered under this benefit. You can add or remove dependants by clicking on ‘Change who is covered’.

If the coverage option is pre-selected to ‘not covered’, and you would like yourself and/or your dependants to have coverage, you must first change the coverage option to ‘covered’. Next, you must add any eligible dependants you want covered under ‘Who is covered’.

Please watch Module 2 of the above video tutorial for more information.

On the home page of My Benefits, click on ‘Review/Update My Email Information’. Here you can update your preferred email address to a personal email of your choice. It is important to choose an email address you check regularly to ensure you don’t miss any important communications about your benefits plan.

* Please note - Updating your preferred email address in My Benefits does not change your email address in My Claims.

If you are an eligible member who has been invited to enrol in your new benefits plan and you miss the enrolment deadline indicated in your email, new coverage and/or coverage changes will be subject to approval by the insurer along with any required new evidence of insurability. This could mean limitations or potential denial of coverage.

You and your eligible dependants (if applicable) are invited to enrol in the benefits plan without medical evidence of insurability if you complete your enrolment by the deadline. If you are eligible for optional coverage, you may be asked to provide medical evidence of insurability that must be approved by the insurer.

The first part of the enrolment process requires you to review and edit your family information.

If you have dependants listed under your benefits plan, please click Edit under each one to review and ensure all their information is correct.

If you have a child between the ages of 21 and 24 covered under your plan, you must confirm their full-time student status by checking the appropriate box.

If you are covered under an employee group benefits plan, please follow these steps:

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. Under Enrol / Make Changes click View Details.
5. Under Any Time Change, click Start next to Beneficiary Change Event.
6. Click Actions to be prompted to Add a Beneficiary.
7. Select one of the three action options then click Next. If you select Choose a family member, a drop-down menu will appear where you can Select a dependent beneficiary designation. You can also choose to Add a beneficiary.
8. Click Save and Close or Save and Add Another if you would like to select more than one beneficiary.
9. Once all beneficiaries have been added, click Save and Close.
10. Designate the appropriate percentages for your life benefits and ensure the total equals 100%.
11. Click Next to review your beneficiary designation selection(s) for accuracy.
12. Scroll down to review and check the Terms and Conditions and your Electronic Beneficiary Approval.
13. Click Complete Enrolment to confirm your beneficiary change event and to download your enrolment summary.

NOTE: If you have irrevocable beneficiary designations, minor beneficiary designations, or proxy enrolments (for example, when an OTIP employee completes a beneficiary designation on your behalf), you will be required to print the Beneficiary Designation form. You must print, complete and sign the Beneficiary Designation form and return per the mailing instructions on the form by the Provide by date indicated in My Benefits. Ensure you complete the Trustee Appointment section of the form if a minor beneficiary designation was made.

If you are covered under an employee group benefits plan, please follow these steps:

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. Under Enrol / Make Changes click View Details.
5. Under Any Time Change, click Start next to Beneficiary Change Event.
6. Click Edit next to your designated beneficiary(ies) to make changes.
7. Designate the appropriate percentages for your life benefits and ensure the total equals 100%.
8. Click Next to review your beneficiary designation selection(s) for accuracy.
9. Scroll down to review and check the Terms and Conditions and your Electronic Beneficiary Approval.
10. Click Complete Enrolment to confirm your beneficiary change event and to download your enrolment summary.

NOTE: If you have irrevocable beneficiary designations, minor beneficiary designations, or proxy enrolments (for example, when an OTIP employee completes a beneficiary designation on your behalf), you will be required to print the Beneficiary Designation form.  You must print, complete and sign the Beneficiary Designation form and return per the mailing instructions on the form by the Provide by date indicated in My Benefits. Ensure you complete the Trustee Appointment section of the form if a minor beneficiary designation was made.

If OTIP does not receive your beneficiary designation information 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.

If you are covered under an employee group benefits plan, please follow these steps:

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. Under Enrol / Make Changes click View Details, then click View my election history.
   • If your beneficiaries are listed and they are correct, no action is required
   • If your beneficiaries are not on file, simply follow steps in How do I designate my beneficiary(ies)?

Coordinating your benefits helps to maximize your coverage to reduce out-of-pocket expenses by allowing you and your dependants to submit eligible expenses under more than one plan. If a member’s dependants have coverage under another plan (i.e. their spouse’s) the plans can work together to cover up to 100% of eligible costs.

Although the plan provides 100% coverage on many covered expenses, it is important that we take advantage of coordinating benefits to help manage overall costs. Every $1 of benefit that is paid by another program is an additional $1 that remains in the program for the benefit of all members.

To update your spouse and/or dependants to indicate they have alternate coverage, a member simply needs to check whether a dependant (i.e. children, spouse) is covered for health and dental under another plan during the benefits enrolment process. This must be done for each dependant covered under the plan. A member whose spouse is also a member covered by the provincial plan would follow the same process in order to coordinate benefits coverage.

Standardly, the following guidelines should be used when submitting expenses between two group policies:

Claims for member and spouse

The group plan where the person is covered as a member is deemed the first payer and the group plan where the person is covered as a dependant is deemed to be second payer. This means that the member and spouse must first submit their expenses to their own plan. Any unpaid balances can then be submitted to their spouse’s plan for consideration.

Claims for dependent children

1. The parent whose month of birth is earliest in the calendar year is deemed primary payer for the dependant (s). If both parents share the same month of birth, proceed to #2.
2. Within the same birth month, the parent whose day of birth is earlier is deemed primary payer for the dependent(s). If both parents share the same month and day of birth, proceed to #3.
3. The parent whose first name begins with the earlier letter in the alphabet is deemed primary payer for the dependant(s).
4. If both parents share the same first letter of their first name, then the next letter of the first name should be compared to determine which one is earlier. If the second letter is the same then the third letter should be referenced, and so on.

There are a handful of special circumstances where a member will need to contact OTIP to ensure that coordination of benefits is applied appropriately, such as:

• When parents are divorced or separated, the parent with full custody would normally be considered first payer. When there is joint custody, standard coordination of benefits applies.
• When a student is covered under a student health and dental plan. Student health and/or dental plans are always considered first payer for that dependant.
• When both primary and secondary policies are with Manulife Financial, please contact Benefits Services to provide the plan number and identification number of both policies to allow claims to be automatically coordinated between both plans.

Connecting to My Claims will give you access to your benefits booklet, online claims submission, and the status of existing claims. Here you can also learn about specific drug coverage, print a copy of your benefits card and set up direct deposit.

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.

As a first time user of My Claims, you will be asked to enter your Plan Number and OTIP Identification number which can be found on your benefits card. Then click Go to My Claims.

If you have created an account on OTIP’s secure member login, and completed your benefit enrolment through My Benefits, then yes, all you have to do is mail OTIP your beneficiary designation form and your initial plan enrolment is complete.

If you have not taken these steps, then your benefits card only means that you have been defaulted to whatever coverage information OTIP received from your employer or the default coverage based on the terms of your new plan. It is critical that during your benefits enrolment period you complete your online benefits enrolment to ensure all of your coverage and dependant information is correct, and you designate a beneficiary.

For assistance please call us at 1-866-783-6847.

You will be able to submit claims for expenses incurred on or after the first day your new plan begins. Keep in mind if you have not completed your online enrolment by this date, there is a possibility that you and/or your eligible family members will not have the coverage you require.

Therefore, it is extremely important that you complete your enrolment as soon as possible. Verifying your coverage information and your optional coverage options will ensure that you continue to receive the benefit coverage you require and avoid any possible denial of claims (e.g. at your dentist’s office or pharmacy).

Eligible expenses are required to be submitted anywhere from 0-90 days after coverage ends at midnight on the last day of your current plan. Check directly with your current insurer or school board benefit administrator to confirm how long you have to claim eligible expenses under your current plan and submit your claims as soon as possible.

Please keep in mind that online claims submission under your current plan will not be available to you once plan coverage ends.

You may not have access to your online claims history under your old benefits plan once your plan coverage terminates. Therefore, before your new plan coverage begins, you are advised to print off a copy of your claims history and keep track of any outstanding claims being processed under your previous plan.

If you require your claims history information following the termination date of your plan coverage, you will need to call the plan insurer to request a copy be mailed to you.

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 Update my banking information under the My profile section.

The password you set when you registered through OTIP’s secure member login page is the password you will use whenever you want to access My Claims or My Benefits. It is the only password you require to log in.

As part of your initial enrolment through My Claims, you were asked to provide an additional password specific to that site. While this password is a requirement of My Claims, it would only be used in the extreme situation that OTIP’s secure member login page is inaccessible. You would then be able to use this additional password to access the My Claims site directly, through direct access to the insurer’s website.

Yes, all eligible members invited to enrol in their new OSSTF, ETFO or OECTA benefits plan must register online at www.otip.com/enrol using your new OTIP Identification Number, date of birth and password instructions provided to you in the benefits enrolment email sent by OTIP.