Avoid being a late entrant
If one of the following scenarios applies to you, be sure to complete your benefits enrolment or update your coverage within the required timeline.
||Complete your benefits enrolment:
|I am a new hire.
||Within 31 calendar days of receiving your enrolment or status change email.
|I just got married.
I would like to add my common-law partner* to my plan.
I just had a baby or adopted a child.
My spouse/partner’s benefits coverage has ended.
|Within 31 calendar days of the life event.
If you take longer than 31 calendar days to complete your benefits coverage in OTIP’s secure member site, you, your spouse or children, may be considered a “late entrant” or application. You can check your benefits booklet for more information on Late Application in the Eligibility section.
What this means to you:
You may need to provide proof of good health by completing the Application for Insurance and Evidence of Insurability (EOI), or include medical history and other relevant information (e.g. life style).
Your application is subject to approval before you are eligible for extended health-care benefits.
Dental care may be subject to a $200 maximum for the first 12 months of coverage.
If coverage is approved as a late application, benefits will start on the date coverage was approved (NOT the life event date, e.g. date of marriage).
The approval process can take 3-5 weeks before you are notified of the decision. Based on medical evidence, you or your family member may be denied for coverage.
To avoid potentially being denied coverage or experiencing coverage limitations, it is important that you complete your enrolment and/or update your coverage within the required timeline.
OTIP is here to help! If you have questions about qualifying life events, or how to make changes to your benefits coverage, please contact OTIP Benefits Services at 1‑866‑783‑6847.
*A common-law partner is defined as a person continuously living with you in a role like that of a marriage partner for at least 12 months.
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Life events and your benefits coverage