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The top three reasons that plan members call OTIP Benefits Services are inquiries about coverage, claims and enrolment.
 
Here are some of the most popular questions that members ask about:

I have moved to a new home. How do I change my address? How long will this change take?

You will need to contact your employer to update this information. You will not be able to update your new address in My Benefits or My Claims. Since this new information will be sent to OTIP from your employer, this change may take up to 10 business days before it is updated in My Benefits and My Claims.
 
Need to update your name or date of birth? You can also contact your employer to update this information.

My family status has changed. How do I change my coverage?

If your family status has changed due to a life event, you may be eligible to enrol or change your benefits coverage.

Follow these steps: My family status has changed. How do I add a dependant? How do I change my coverage?

Below are the guidelines for changing your coverage based on the following scenarios:

Your coverage today

You want to change to

Life events eligible for coverage changes

Coverage change deadline

Single

Family

  • Marriage

  • Common-law spouses (can be added within 31 days of the one-year anniversary of co-habitation)

  • Birth of a baby

  • Adoption or legal custody of a child (Legal documents must be provided within 31 days of legal adoption before child has coverage)

  • Spouse loses their benefits coverage

You have 31 days from the life event to make changes to your coverage. Follow these steps.
 
If you are adding a new family member:

  • Within 31 days of the life event, the new family member is covered as of the life event date (e.g. wedding day, day child is born or adopted).

  • More than 31 days after the life event, the family member is considered a “Late entrant” and will need proof of good health (evidence of insurability). Based on medical evidence, their coverage may be denied. If coverage is approved, the new family member is covered as of the date coverage was approved (NOT the life event date). They may be subject to limitations (e.g. limit of $200 for dental for the first year).

Family

Family
(no change)

  • Marriage

  • Common-law spouses (can be added within 31 days of the one-year anniversary of co-habitation)

  • Birth of a baby

  • Adoption or legal custody of a child (Legal documents must be provided within 31 days of legal adoption before child has coverage)

If you are making this change within 31 days, you can follow these steps.
 
If you are making this change more than 31 days after the life event, please contact OTIP Benefits Services at 1‑866‑783‑6847. Proof of good health (evidence of insurability) may be required.

 Family

Single

  • Divorce

  • Death of a spouse/child

  • Spouse gains their benefits coverage

 

You are eligible to make the change at any time.
 
For life events such as a “Divorce” or “Spouse gains their benefit coverage,” you can follow these steps.
 
For a death of a spouse or child, please contact OTIP Benefits Services at 1‑866‑783‑6847.


Important notes:

  • If your full-time equivalent (FTE) status has changed, you have 31 days to change your coverage (e.g. if your FTE increases from 0.5 to 0.6, 0.8 to 1.0, etc.).

  • If you are on leave or going on a leave, please contact OTIP Benefits Services at 1-866-783-6847 to find out if you are eligible to continue or suspend your coverage during your leave.

  • If you choose to stop your benefits coverage during your leave, you will not be able to reinstate it until you return to work.

How do I check to see what is covered under my health and/or dental benefits?

To see what products and/or services are covered by your benefits plan, check your benefits booklet online. Your benefits booklet includes benefit plan terms and coverage details, and is updated on a regular basis to reflect any changes or updates to your plan.

If you do not see it in the benefits booklet or need more information, you can contact OTIP Benefits Services at 1‑866‑783‑6847.



Related links:
Submitting your claim 101

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