Welcome CUPE Members

 
 


Closed Captioning (CC)

Check the CC button at the top of the video to turn on closed captioning.

 

Video Transcripts

Access video transcripts

 

My Claims: Connecting to Great-West Life

 

 Browse Frequently Asked Questions by category

 

OTIP Member Login

 

I'm a first-time user, how do I log in to my health and dental plan?  

If your benefits are provided through the CUPE Education Workers' Benefits Trust:

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.

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 accessing your plan member login, 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 for the plan member login, 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 on “Settings”.
  3. Scroll down and click on the “Advanced” link at the bottom of the page.
  4. In the “Passwords and forms” section, click the “Manage passwords” link.
  5. Click on the menu beside the site with the password you’d like to remove and click “Remove”.

Firefox

  1. Click on the menu button at the top right corner of the page.
  2. Click on “Options”.
  3. Click on the “Privacy & Security” tab.
  4. Click on the “Saved Logins” button.
  5. Select the site with the password you’d like to remove and click the “Remove” button at the bottom.

Safari

  1. Click “Preferences...” from the menu bar at the top of the screen.
  2. Select the “Autofill” tab.
  3. Click the “Edit” button under "User names and passwords.
  4. Enter your computer account password
  5. Select the site with the password you’d like to remove and click the “Remove” button.

Internet Explorer (IE)

  1. Click on the gear wheel icon in the top right corner.
  2. Click on “Safety” in the menu.
  3. Click on “Delete browsing history” in the submenu.
  4. Select “Passwords” from the list.
  5. Click on “Delete”.

I have been locked out of my account, or my account has been suspended. How do I regain access?  

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.

I am having trouble creating a new password for the OTIP's secure member site. Why are there so many requirements?  

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.

What is the secure member login for?  

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.

I completed my initial registration and enrolment. How do I get back to the secure member login to access My Benefits and My Claims?  

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.

What should I do if I forgot my password?  

Enter your OTIP Identification Number, followed by your date of birth. Then click the ‘Forgot password?’ link and follow 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.

How do I send an email to OTIP Benefits Services?  

If you have not completed your enrolment in your benefits plan, you can send an email through Contact Us page.

NOTE: If you choose to send an email, we will not be able to securely authenticate your information. Depending on the nature of your inquiry, we may not be able to provide a detailed response as we are committed to protecting your personal information.

If you have a specific question about your coverage prior to your enrolment, please call OTIP Benefits Services at 1-866-783-6847.

Related Information

 

My Benefits

 

How do I make a change to my personal information (e.g. name, address)? 

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.

I added dependants during my benefits enrolment. Is there anything else I have to do to ensure they are covered?  

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.

How do I update my preferred email address on My Benefits?  

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.

* NOTE: Updating your preferred email address in My Benefits does not change your email address with your insurer, Great-West Life. To change your email address on GroupNet for Plan Members, please click My Claims and follow the instructions once on the Great-West Life website.

What if I don’t complete my enrolment in the benefits plan by the deadline?  

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 possible 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.

How do I ensure my overage dependant (i.e. student) is covered under my benefits plan?  

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 dependant aged 21 and under 26 covered under your plan, you must confirm their full-time student status by checking the appropriate box.

Related Information

 

Beneficiary Designation

Where do I find the beneficiary designation form?  

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 homepage. You will continue to see the beneficiary designation form under ‘Pending Forms’ until OTIP receives your completed and signed form.

How do I update or make changes to my beneficiary designation?  

To update or make changes to your beneficiary designation, you can do this at any time (e.g. adding a child or spouse).

  • Visit www.otip.com and log in to Health and Dental
  • Click on My Benefits
  • Click on Enrol/Make Changes in the My Personal Info box
  • Select Beneficiary Change under Any Time Change
  • Complete the event
  • Print, sign, date and MAIL the Beneficiary Designation Form to OTIP Benefits Services

During your benefits enrolment, you can add, delete and update your dependant information. This is a very important step as you will want to ensure this information is correct during the enrolment period.

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

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.

Designating your beneficiary is one of the most important things you will do as part of enrolling in your new benefits plan.

How do I confirm that my beneficiaries have been received by OTIP or updated in the system?  

NOTE: If your beneficiaries are listed, OTIP has received your original Beneficiary Designation Form.

  1. Visit www.otip.com and log in to Health and Dental
  2. Click on My Benefits
  3. Click on My Coverage in the My Personal Info box
  4. Select Today’s Coverage
  5. Click on Beneficiaries tab
    • If your beneficiaries are listed and they are correct, no action is required
    • If your beneficiaries are not on file, please do the following:
      • Click on the event where you previously completed your beneficiary designation (e.g. Benefits Enrolment)
      • Click on View Forms. If the Provide By date has not passed, select the Beneficiary Designation Form from the list.
      • Print, sign, date and MAIL it to OTIP Benefits Services

What if I don’t see the Beneficiary Designation Form in the Pending Forms section?  

Let’s confirm your beneficiary designation first.

  1. Visit www.otip.com and log in to Health and Dental
  2. Click on My Benefits
  3. Click on My Coverage in the My Personal Info box
  4. Select Today’s Coverage
  5. Click on Beneficiaries tab
    • If your beneficiaries are listed and they are correct, no action is required
    • If your beneficiaries are not on file, please do the following:
      • Click on the event where you previously completed your beneficiary designation (e.g. Benefits Enrolment)
      • Click on View Forms. If the Provide By date has not passed, select the Beneficiary Designation Form from the list.
      • Print, sign, date and MAIL it to OTIP Benefits Services

If you do not see the form in step 5, then you will need to redo the beneficiary designation. Follow these steps:

  1. Click on Enrol/Make Changes in the My Personal Info box
  2. Select Beneficiary Change under Any Time Change
  3. Complete the event
  4. Print, sign, date and MAIL the Beneficiary Designation Form to OTIP Benefits Services
 

Coordination of Benefits

What does coordinating benefits mean?  

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.

How do I coordinate my benefits with another plan?  

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.

How does coordination of benefits work?  

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.

Who do I need to contact about coordination of benefits?  

For the following special circumstances, please contact Great-West Life 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 Great-West Life, please contact Great-West Life to provide the plan number and identification number of both policies to allow claims to be automatically coordinated between both plans.
 

Members on Leave

I am on an approved unpaid leave of absence. Am I eligible to continue in the new CUPE EWBT benefits plan?  

Eligible members may continue the coverage level they had in place when their leave began. When a member returns to active employment, the member will be eligible to increase their coverage choices. For example, if a member maintained “single” health coverage during their leave, they can upgrade to “family” coverage once they return to work. In most cases, coverage during an approved unpaid leave of absence is on a 100% member-paid basis. During a statutory leave such as maternity/parental leave, members are generally able to continue coverage based on the same level of funding they would be entitled to if they were actively at work.

If I am not participating in benefits coverage during my leave of absence, will I be automatically enrolled when I return to active duties?  

The board will notify OTIP when a member is returning to work from a leave of absence and OTIP will send an email to the member’s board email address. The member will be required to log in to OTIP’s secure website to complete their enrolment online within 31 days of being invited to enrol.

If I am on an approved long term disability (LTD) claim, will I be able to continue benefits plan coverage under the new CUPE EWBT benefits plan?  

Yes, members on an approved leave are eligible to continue the coverage level in place when the LTD claim was approved. For eligible members on an approved LTD leave, the CUPE EWBT will cover the cost of benefits at the same level the member would be entitled to if the member was actively at work for up to 24 months from the date the LTD claim started. After the 24 months, members may remain eligible for health and dental benefits on a 100% member-paid basis.

I recently joined the CUPE EWBT benefits plan, and was receiving long term disability (LTD) benefits at the time. What happens to 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 your life insurance amounts under the CUPE EWBT benefits plan are set at zero (0) dollars.

If you have not yet filed a waiver of life insurance premium claim through your current plan, you should do so as soon possible. If you are not approved for a waiver of life insurance premium, your coverage under the CUPE EWBT may be limited and you may be required to pay the cost of that coverage.

What is a waiver of life insurance premium?  

The waiver of life insurance 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) at no cost to you. 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.

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

The new provincial Life Insurance Contract requires that you must be actively at work for benefits coverage to become effective. If you are not actively at work on March 1, 2018, your coverage will take effect on the day you are again actively at work. However, if you were not approved for a 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 CUPE EWBT benefits plan.

When will I receive the amount of life coverage available through the new CUPE EWBT benefits plan?  

Once you return to active work, you will be eligible for the amount of coverage available under the CUPE EWBT benefits 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.

 

My Claims

 

How do I access My Claims?  

Connecting to Great-West Life through 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. Click Log in on the top right corner of the website.
  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 which can be found on your benefits card. Then click Go to My Claims.

Related Information

Connect to Great-West Life’s GroupNet for Plan Members.

How do I connect to Great-West Life’s GroupNet for Plan Members through My Claims?  

Connecting to GroupNet for Plan Members through My Claims is an important step to set up direct deposit and online claims submission. There are five steps to this registration process:

  1. Log in to OTIP’s secure member site, enter your plan number and click on My Claims.
  2. On the Great-West Life Connect Page, look to the bottom right corner under New User and click Register Now.
  3. Validate your registration details by completing three steps – plan information, terms and conditions, and security settings. IMPORTANT – the user name and password you set up during this step is only required for your intial connection to GroupNet, as well as the Great-West Life mobile app. 
  4. Once you complete this registration, you will be taken back to the Great-West Life registration page. You need to close this screen, and instead return to the OTIP's secure member site.
  5. Click again on My Claims. You will once again be taken to the Great-West Life Connect Page. Here you will enter your new Great-West Life user name and password for initial validation under Connect your Account. Once completed, you are now connected, and will have direct access to GroupNet for Plan Members via My Claims.

For help registering, please watch the Great-West Life video tutorial at www.otip.com/enrolmenthelp, refer to the step-by-step information sheet or call the Great-West Life help line at 1-866-800-8058.

When can I submit claims under my new plan?  

If you have completed your benefits enrolment, you will be able to submit claims for expenses incurred on or after March 1.

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).

You must complete your enrolment by March 23, or you will not have benefits coverage.

What do I do with claims incurred before my new plan begins?  

Eligible expenses can generally be submitted to your current carrier for a period of up to 90 days from the date of claim. Check directly with your current insurer or school board benefits administrator to confirm the deadline to claim eligible expenses under your current plan. However, it’s a good idea to submit your claims as soon as possible.

NOTE: You may not have access to online claims submissions or claims history under your current benefits plan. Therefore, we suggest you print off a copy of your claims history and track any outstanding claims being processed under your current plan.

How do I access my claims history under my old plan?  

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.

Related Information


 

Need help?
x
How can we help?