If your benefits are provided through your employee group benefits plan:

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 your benefits are provided through your employee benefits plan:

1. Go to www.otip.com.
2. Click Log in on the top right corner of the website and select Health and Dental from the drop-down menu.
3. Enter your OTIP Identification Number (found on your benefits card) and date of birth.
4. Click on Forgot password? and follow the instructions.

If you need assistance, please contact OTIP Benefits Services at 1-866-783-6847.

If your benefits are provided through your employee benefits plan:  

1. After you have logged into your member account, click Security Setting on the top right-hand side of the page.  
2. Click Change password.  

Contact OTIP Benefits Services at 1-866-783-6847 and they will reset your password for you.

If your benefits are provided through your employee benefits plan, after you have logged into your member account, select Benefits Booklet (plan details) from under the My Library drop down menu. 

If your benefits are provided through your employee benefits plan:

You should have received an email inviting you to set up your access to OTIP’s plan member site. If you did not or cannot locate your email, please call OTIP Benefits Services at 1-866-783-6847. For more information about registering, view the Login help page.  

If you are a CUPE-EWBT member, view the CUPE enrolment help page.
 

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 your benefits are provided through your employee benefits plan: 

1. After you have logged into your member account, click My Claims. 

2. Click the Submit a claim button. 

If your benefits are provided through your employee benefits plan (except CUPE):

1. After you have logged into your member account, on the top of page banner, hover over Claims. 

2. Under Claims History, select Online claims status. 

Certain providers, expense types and claims need to be submitted manually for verification purposes.

As outlined in the Terms and Conditions found on My Claims (Plan Member Secure Site), our insurance carrier, Manulife Financial, reserves the right to assess claims manually or request additional information such as receipts and documentation.

Related Information

• What types of claims can I submit online?

Depending on your plan, some services, such as massage therapy, may require a doctor’s referral before you can submit a claim for reimbursement. (NOTE: The doctor’s referral can be dated after the date of service.)

You can find out if you require a doctor’s referral for a service by checking your benefits booklet. If a doctor’s referral is required, you will need to obtain one every 12 months.

When submitting an online claim, you will be asked to confirm if you received a doctor’s referral. You will need to provide this referral if you are selected for a random audit.

If your benefits are provided through your employee benefits plan: 

1. After you have logged into your member account, click My Benefits. 
2. On the My Benefits home page, click Enrol/Make Changes in the My Personal Info box. 
3. Scroll down to the Life Event heading, choose the event that is appropriate for your situation, and complete the steps. 

Not applicable to RTIP members. 
 
If you are covered under an employee group plan (non-CUPE member): 
 
In most cases, your dental office will submit your claim on your behalf. If your dental provider cannot do this, you can submit the claim online choosing ‘Dental/Orthodontics’ from the Select service provider type list. 

NOTE: We recommend you submit an estimate or a “predetermination of benefits” for orthodontic treatments or services to verify what your plan will cover and any amounts used to date. 
 
Submission of a pre-treatment plan can include: 

• Type of malocclusion and class 

• Duration of the treatment 

• Breakdown of fees into initial and monthly/quarterly fees 

 Other important reminders: 

• For all major services, please ask your dentist to provide X-rays for pre-determinations. The X-rays will be returned to your dentist once the review is complete. 

• Please call OTIP Benefits Services at 1-866-783-6847 to confirm if your plan allows lump sum payments. 

• Please submit all receipts within 12 months of the date of service. 

If you are covered under an employee group plan (non-CUPE member): 
 
We recommend you or your dental practitioner  submit an estimate or a pre-determination for dental treatments or services to verify what your plan will cover, plan maximums and any amounts used to date. 
 
You can also contact OTIP Benefits Services at 1-866-783-6847 to discuss and review your dental coverage. 
  
If you are an RTIP member: 
 
You can log in to the RTIP plan member secure site to verify your coverage or contact the RTIP Contact Centre at 1-833-318-2811. 
 
You can email claims@rtip.otip.com for questions about: 

• Claims 

• Coverage 

• Your OTIP ID 

• Plan member secure site 

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

• Download the Standard Dental Claim Form.

If you are covered under an employee group  plan:

Once your school board informs OTIP of your leave status, you will receive an email to review and update your benefits.

If you are covered under an employee group benefits plan (non-CUPE member): 
 
You can send a secure email to OTIP Benefits Services or call us at 1-866-783-6847 and provide the following: 

• Drug name or identification number (DIN) 

• Patient’s first and last name 

• Quantity needed 

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 review your options with your doctor.  
  
If you are covered under an employee group plan (non-CUPE member):  
  
You may also find it useful to use our online tool, My drug plan. It includes a drug lookup tool to help you find out whether a drug is covered under your benefits plan, the approximate out-of-pocket expense to purchase the drug, and 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 be notified if a drug is subject to prior authorization.  

1. After you have logged into your member account, click My Claims.  
2. Select My drug plan under the My benefits list.  
3. Enter the information for your search.  

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

• Download the Extended Health Benefit Claim Form.
• Be informed when buying your custom-made orthotics.
• Looking to get surgical stockings?
• Where would I find electronics letters regarding my coverage application or pre-determination of orthotics?

If you or your dependants are covered under more than one benefits plan, you can claim up to 100% of an eligible expense by co-ordinating 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 benefits plan in order to claim any remaining balance that is eligible.

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.

• Log in to make a Health and Dental claim
• Log in to make a Retiree Health and Dental claim
• Find a Form

If you are covered under an employee group plan (for non-CUPE members):

1. After you have logged into your member account, click My Claims.

2. Click the My profile tab.

3. Select Update Direct Deposit and ECS information.

If your benefits are provided through your employee benefits plan: 

1. After you have logged into your member account, click My Claims. 
2. On the My Claims home page, click on Contact us. 

If your benefits are provided through your employee benefits plan: 

1. After you have logged into your member account, click My Claims. 

2. Select the My Benefits tab and click My Benefits Card. 

3. 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. 

Your benefits card was designed as a convenient way for you to carry your plan number and OTIP identification number. This information can be provided to any practitioner, such as a dentist, chiropractor, pharmacy, etc. with electronic-claiming functionality. This information may also be given to the hospital for direct billing.

Need to view or print off your benefits card? Learn how.

Need to set up direct deposit for your claim payments? Learn how

You can increase your optional life, supplemental life (if applicable) or optional spousal life insurance at any time (except if you are on leave).

You can decrease or end your optional life, supplemental life or optional spousal life insurance at any time.

If you are covered under an employee group benefits plan:

1. Click Log in on the top right-hand corner of the website.
2. Select Health and Dental from the drop-down menu.
3. After you have logged in, click My Benefits.
4. On the My Benefits home page, click View details in the Enrol / Make Changes box.
5. Under Any Time Change, look for Enrolment Change and click Start.
6. Click Next/Skip.
7. Click Next until you are on the Life Insurance step
8. Make your selections.
9. Click Recalculate to see Your monthly premium cost.
10. Click Next.
11. Enter the percentage for each beneficiary. Your Total must equal to 100%.
12. Click Next.
13. Check off I agree to Terms and Conditions.
14. Click Complete and then Done.

Proof of good health (evidence of insurability) is required for any requests to increase coverage outside of a life event (birth of a child, marriage, etc.).

If you and your child(ren) are covered under an employee group benefits plan: 
 
If your child(ren) is turning the maximum age as defined by the terms of your benefits plan, one month before this birthday, you will receive an email to confirm the student status for your child(ren). 

1. Click Log in on the top right-hand corner of the website. 

2. Select Health and Dental from the drop-down menu. 

3. Once you have logged in, click My Benefits. 

4. Complete the activity listed in here are some things you need to do next 

If you do not complete the activity by the Provide by date, coverage for your dependant(s) will end. 

After the initial confirmation of student status is completed, you will receive a reminder at the end of every school year to confirm the student status for your child(ren) for the upcoming school year (if applicable).

Please contact OTIP Benefits Services at 1-866-783-6847 for assistance.

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.

If your benefits are provided through your employee benefits plan: 

Your plan may offer the following optional 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.  

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 

Your benefits plan may not include all of the above coverage. Check your benefits booklet for details.  
 
If your service provider type is not listed in My Claims, you can choose ‘Other’ to submit your claim. You will need to attach itemized receipts and documentation. 
  
If your service provider cannot submit the claim on your behalf, you can submit the claim online. 
 
The insurance carrier also reserves the right to assess claims or request additional information such as receipts and documentation. 
  
TIP:  To prevent delays in your claim reimbursements: 

• Select the right service provider type and the service provider in the search tool 

• Enter the provider registration number correctly

If your benefits are provided through your employee benefits plan: 

There are two places you must update your address. You must update your new address within My Claims, but you must also update this information with your school board, as board address information for active members is updated electronically. 

To view or update your current address information within My Claims: 

1. After you have logged into your member account, click My Claims. 
2. Go to the My profile tab and click Update in the Address heading. 

If your benefits are provided through your employee benefits plan: 

Once your child turns 21, you will receive an Overage Dependant Certification event in My Benefits. To recertify your overage 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 be completed by you and the attending physician. Medical underwriting will review the completed form for eligibility.  

If you are covered under an employee group benefits plan: 
 
It’s important to find out how much is covered under your benefits plan and how much you may be responsible for paying “out of pocket.” This will help you to minimize expenses and avoid disappointment if your claim is not eligible for full or partial reimbursement. 
  
We encourage you to: (1) get an estimate or pre-determination, (2) check if your service provider has been delisted and (3) review your reasonable and customary (R&C) limits.

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.

Be sure to check for electronic letters regarding your claim, pre-determination, overpayment, etc., as they may contain time-sensitive information pertaining to a claim or your coverage.

If you are covered under an employee group benefits plan (for non-CUPE members):

1. After you have logged into your member account, click My Claims.

2. Click the Claims tab and select Find an electronic letter under Claims History.

If your benefits are provided through your employee benefits plan, to send documents related to your health and dental claims online:  

1. After you have logged into your member account, click My Claims.  
2. Click on Submit a claim.  
3. Click on Select a provider type and select Other from the drop-down menu.  
4. Complete the steps.  

To send Evidence of Insurability and Drug Prior Authorization forms online:  

1. After you have logged into your member account, click My Claims. 
2. Click on Contact us.  
3. Select Send documents and then complete the steps.  

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.  

To view your benefits booklet, after you have logged into your member account, select Benefits Booklet (plan details) under My Library. 

To check your individual available balances for different provider types (massage, dental, etc.), follow these steps. (For non-CUPE members only)

1. Log in at www.otip.com as a Health and Dental member.
2. After you have logged in, click My Claims.
3. In My Claims, your balances are shown under the Available Balances tab on the home page.
4. To view balances for different services and provider types, select the relevant tab (Dental, Paramedical or Vision).
5. Next, select the correct patient and service. The balances will then be displayed.

Alternatively, your balances can be viewed when Submitting a claim.

1. After clicking Submit a claim on the My Claims homepage, follow the steps to submit your claim.
2. When you reach Step 3, Expenses and attachments, click the Show Available Balance button to view your current balance for the service being submitted.

Note: Be sure to review the disclaimer provided in the Available Balances section for each benefit type. The disclaimer explains why there may, in some cases, be a difference between the balances shown on My Claims, and OTIP’s internal systems. If you have questions, please call OTIP Benefits Services at 1-866-783-6847.

To submit an estimate for medical equipment, follow these steps. (For non-CUPE members)

1. First gather all necessary documentation to support your estimate*
2. Log in at www.otip.com and select Health and Dental from the drop-down menu
3. After you have logged in, click My Claims
4. Click on Submit a claim
5. Read the claim submission pop-up and click Continue
6. Click on Select a provider type and select Estimates from the drop-down menu
7. Select the relevant plan member and click Continue
8. Attach your documentation, accept the terms and conditions, and click on Submit

*Necessary documentation may include:

• The diagnosis necessitating the equipment
• The anticipated duration the equipment will be required
• A description of what activities the equipment will be primarily worn for (daily living, sports, etc.)
• Verification if this is an initial purchase, or provide a reason for a replacement
• Confirmation from the supplier (if applicable) whether the item is eligible for funding through a government provincial health plan (e.g. OHIP); if so, include a copy of the government provincial health plan's statement of payment
• If the item is being rented or purchased, include a written quote from the supplier indicating the purchase price of the equipment

For non-CUPE members:

1. Click Log in on the top right-hand corner of the website.
2. Select Health and Dental from the drop-down menu.
3. After you have logged in, click My Claims.
4. Hover over Claims on the top banner, and select Online claims status under Claims history
5. Under the Claim audit details column, you will see which claim is subject to an audit
6. Click on the file icon in this column to receive instructions for resolving the audit

If you need to send Evidence of Insurability online, after you have logged into OTIP’s secure member site:

1. Click My Claims
2. Click on Contact us
3. Select Send documents and then complete the steps

Your OTIP ID Number (see example below) can be found on your CUPE benefits card.

If you are covered under an employee group benefits plan:

My Benefits

1. After you have logged into your member account, click My Benefits.
2. On My Benefits home page, click View details in Review / Update My Email Information box.
3. Enter your personal email address and select as your Preferred Email Address.
4. Click Save.

My Claims (For non-CUPE members)

1. After you have logged into your member account, click My Claims.
2. In the My profile tab at the top of the page, click on Edit my email.
3. Enter your personal email address in the New email address box.
4. Click Submit.

If you are a current auto or home insurance policyholder, use our online tools to review your policy information, update your email address, view your pink card, submit a claim and more – anytime, from anywhere. To get started, create an account or download our mobile app today.

1. Click Log in on the top right-hand corner of the website.
2. Select Health and Dental from the drop-down menu.
3. After you have logged in, click My Benefits.
4. In the My Benefits box, click View all benefit selections.

OTIP has partnered with Cubic Health's FACET Program to administer the drug prior authorization program using evidence-based criteria and plan design considerations. Visit pa.otip.com to find the drug prior authorization form for your medication.

If you are a CUPE EWBT member, visit cupe-ewbt.ca (scroll down to key contacts on the home page) to access the FACET Program contact information.   

At OTIP, respecting your privacy and protecting your personal information is an important part of how we do business. We are committed to protecting your privacy.

When you log in to your OTIP account, the information is for your use only, as you are the insured plan member.

It is important that you do not share your credentials with anyone, including your spouse/partner. If you choose to share your information with them, you are responsible for any actions that your spouse/partner takes while logged in to your account.  

If your spouse/partner contacts us, we are happy to assist with the details of their own coverage or claims. We will not provide them with details about your claims, or claims of any overage child/dependant.  

We are also unable to help your spouse/partner with navigational assistance with the website.

These limitations exist to protect the privacy of the account and to keep your benefits secure.

Some service providers have been delisted by the insurer, Manulife. This means that claims submitted for services provided by a delisted provider would not be covered under your plan. To view a list of delisted providers:

If you are a member of an employee group benefits plan:

1. Log in at www.otip.com
2. Click on My Claims
3. Scroll to the bottom of the page and go to the Wellness centre
4. Click on View list of providers not covered

Drug prior authorization ensures that you have a clear understanding if and how much of the cost of the medication or of any alternative treatment is covered by your benefits plan.

The drug prior authorization is an important process to ensure that financial assistance can be provided for medications or alternatives that are approved by Health Canada and clinically proven to help you with your condition.

 

No, you will still have a choice of which prescription drugs are available to you as treatment options. The prior authorization process only determines what level of reimbursement is available from your benefits plan.

 

When a drug prior authorization claim is approved it will include details pertaining to how long the approval is for and when you may need to provide any additional information.

 

If your drug prior authorization is not approved, you can still use the drug your doctor has recommended, but it will not be covered under your benefits plan. Your doctor can assist you with determining any other assistance programs available for the medication they have prescribed.

 

To view Manulife’s reasonable and customary (R&C) limit amounts: 

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 to your account. 

3. After you have logged in, click My Claims. 

4. Click Practitioner R&C under the My benefits quick links. 

If the claim is eligible for reimbursement and the date of service is before the delisted date, the claim will be approved and reimbursed.

It is the member’s responsibility to check with their provider/supplier if Manulife will accept their claims or the delisted providers list before they make an appointment or submit any eligible claims.

Providers/suppliers are required to tell you if they have been delisted by Manulife.

Any services that were incurred prior to the date of delisting, will be considered for reimbursement. If you are waiting for products to be dispensed, that were purchased prior to the date of delisting, your claim will be considered for reimbursement.

If your benefits are provided through your employee benefits plan:

1. Go to www.otip.com and click Log in.
2. Select Health and Dental from the drop-down menu.
3. After you have logged in, click My Benefits.
4. Click on View all benefit selections.
5. Scroll down to Today’s Coverage and click Print my coverage details.

For ELHT and CUPE EWBT plan members: 

1. Log in to OTIP’s plan member site.
2. Go to My Benefits.
3. Click View details on the Enrol/Make Changes tile. 
4. Scroll down to Proof of Coverage Letter in the Any Time Change section and click Start under Actions. 

This will generate a proof of coverage document (in PDF format) that contains individual proof of coverage letters for any eligible dependant(s) or spouse currently covered under your Health and/or Dental benefits. Please note that the letter does not include life insurance details. 

For other group benefits plan members (e.g. Provincial Office, UDLS, EFGI, OSBIE, QECO, OTF, etc.) OR if you require additional information beyond what is generated in the Proof of Coverage Letter event, please call OTIP Benefits Services at 1-866-783-6847 for your proof of coverage letter requests. 

RTIP dental coverage is optional and can be added to any of our retiree health plans. Your coverage start date may vary depending on when the change is received.  

Plan changes received prior to the 15th of the month will be made effective as of the 1st of that month. Any changes received after the 15th of the month will be made effective in the following month.  
 
Note: You must be enrolled in an RTIP health plan to add dental coverage. Dental coverage applies to all covered persons under your plan. 

To add dental coverage, please email planchangesandbilling@rtip.otip.com for support. All change requests must be made in writing. 

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  

• Learn more about RTIP dental coverage 

We strongly recommend you call OTIP Travel Assistance during a claim incident for support on finding the correct provider and help during the claim submission process. Please use the phone numbers below: 

• Canada/U.S.: 1-800-936-6226 

• Outside Canada and the U.S.: 519-742-3556. 
   
  Helpful tip: Dial 00 for an international operator. If calling from a cell phone, you may need to dial 00-519-742-3556 and request with an operator (not an automated system) to make a collect call. After providing the number you are trying to reach, the operator will confirm that we accept the charges. 

Travel claims are paid directly to the provider by OTIP Travel Assistance where possible. Travel claims, must be received by OTIP Travel Assistance no later than 12 months from the date the eligible expense was incurred. 

If you need to pay up front, be sure to ask for an itemized bill from the service provider and detailed physician’s notes including an assessment of your medical condition. Be sure to contact OTIP Travel Assistance prior to making any payment, if feasible.  

You can submit your claims to OTIP Travel Assistance (CanAssistance) in one of two ways: 

• Online at canassistance.com/en/policyholder/claims. 

• By mail. Please contact OTIP Travel Assistance at 1-800-936-6226 to obtain a claim form and detailed claim submission instructions.    

Make sure you tell OTIP Travel Assistance about all the travel coverage you have when submitting claims. Claims must be submitted together with supporting original receipts to OTIP Travel Assistance. At time of claim, you will be required to fill out a claim form which includes questions regarding services rendered. Claims cannot be assessed until the claim form and all required documentation is submitted. 

To find more information on RTIP travel coverage and access frequently asked questions, please visit otip.com/for-retirees/travel.  

The ODB program covers the majority of the cost for more than 5,000 prescription drug products for Ontario residents over the age of 65.  

Answers to frequently asked questions about the ODB program from RTIP members can be found here: otip.com/why-otip/news/more-about-the-ontario-drug-benefit-program.  

What do RTIP members have to pay? 
For all RTIP members aged 65 and older, the deductible you pay at the start of the ODB benefit year (runs from August to July) is $100. For example: when filling a prescription at the pharmacy in August at the start of the ODB coverage year, the RTIP member is required to pay:  

• The one-time $100 deductible; and  
• Up to $6.11 for each drug prescribed, filled, or refilled until the $100 yearly limit set by ODB is reached. This amount is called the co-payment.  

Once you reach your $100 limit, you will have to pay out of pocket for prescriptions as your RTIP Plan does not cover ODB drugs. Drugs not covered under ODB can be reimbursed through your RTIP plan.  The one-time $100 deductible is eligible for reimbursement from your RTIP plan (not including the dispensing fee). 

To learn more about the ODB program, visit the Government of Ontario website, or call 1-866-532-3161. 

To be eligible for coverage as an overage dependant* under your RTIP policy, after reaching age 21, your child must: 

• be unmarried; 
• be a full-time student at an accredited school, college, university, or educational institution; 
• not be a contract holder directly with RTIP or eligible for insurance as an employee under any other group benefits plan; 
• not be employed on a full-time basis. 

*Coverage for overage dependants will continue up to age 31, if the above criteria continue to be met. Please log into your RTIP plan member site to view your RTIP contract for the definition of a “child.” 

Dependant reaching age 21: If your child is enrolled in a full-time program and requires coverage to be continued, you must contact RTIP prior to your dependant reaching age 21 and complete the Overage Dependent Student form to ensure continuation of coverage. 

Dependants between 21 to 30: Recertification of coverage for eligible overage dependants is required on an annual basis. 

Coverage for overage disabled dependants: Dependants over 21 may be eligible for coverage or continued coverage when incapable of self-sustaining support due to a mental or physical disability that occurred prior to age 21.  

Please note that any two family members can qualify for couple coverage. If you do not have an eligible spouse, you and your dependent child can qualify for couple rates. 

RTIP members only:

No, surgery expenses are not subject to the per visit maximums for these specific services. These services are covered for 80% reimbursement of eligible charges, up to a combined maximum of $1,350 per calendar year for all paramedical services. 

If your benefits are provided through your employee benefits plan: 

Emergency Travel Assistance provides travel assistance for you and your eligible 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 which 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 

For RTIP members:

RTIP travel insurance covers eligible members and dependent children (listed under your policy) for $10 million per lifetime for emergency services while travelling outside your province of residence. Coverage is for up to 100 consecutive days per trip with an unlimited number of trips per year subject to eligibility through your provincial plan.  

To find more information on RTIP travel coverage and to access frequently asked questions, please visit otip.com/for-retirees/travel. For more details on your specific RTIP travel coverage, please check your RTIP contract. 

For members with health and/or dental insurance through RTIP (Retired Teachers Insurance Plan), you will receive a receipt for insurance premiums that you paid in this tax year. You can expect this receipt to be available on your RTIP plan member site by the end of February. 

If you have recently retired within the current tax year and your Basic Life and/or Accidental Death and Dismemberment (AD&D) premiums accumulated to more than $25 in the year, you will receive a T4A tax slip from OTIP via mail by the end of February. If you retired prior to the current tax year, you are not eligible for a T4A tax slip.  

To register for the RTIP plan member site, please visit rtip.otip.com/login and click “Register your account” to follow the registration steps required. If you need assistance with your registration, you can view step-by-step instructions on how to register here. 

If this is your first time using the RTIP plan member site, you will need to register your account. If you have already registered for the RTIP plan member site, please see the steps below to easily log into your current account. 

To register, please visit rtip.otip.com/login and click “Register your account” to follow the registration steps required. If you need assistance with your registration, you can view step-by-step instructions on how to register here.  

Once your account has been created, you can log in using the following steps for all future visits: 

1. Click Log in on the top right-hand corner of otip.com. 
2. Select RTIP (for retired members) from the drop-down menu to access the RTIP plan member site. Proceed to log in using your email address and password. 
3. Once you are logged in, submit and view the status of claims, check your coverage, and update your account information. 

Why use the RTIP plan member site? Online services include: 

• Online claims submission 
• Easily update your personal information 
• Details of your benefits coverage 
• Access to your RTIP Contract 
• Status of current and previously submitted claims 
• Digital access of annual premium receipts 

1. After you have logged into your member account, you will see your name in the top right corner of the page. Click the drop-down arrow and select Your Account. 
2. Under the All About You tab select “What email address should we use?” 
3. Enter your personal email address in the New email address box. 
4. Click Save Changes. 

If you are not registered for the RTIP plan member site, you can also email the RTIP contact Centre at planchangesandbilling@rtip.otip.com. 

To register for the RTIP plan member site, please visit rtip.otip.com/login and click “Register your account” to follow the registration steps required. If you need assistance with your registration, you can view step-by-step instructions on how to register here. 

1. After you have logged into your member account, select your name in the top right-hand corner of the page and then select Your OTIP Account from the drop-down menu. 
2. Select the Who and Where? drop-down box to update your address.  

To register for the RTIP plan member site, please visit rtip.otip.com/login and click “Register your account” to follow the registration steps required. If you need assistance with your registration, you can view step-by-step instructions on how to register here. 

If you have difficulties updating your address online, please submit your new address in ONE of the following ways:  

• Send an email to planchangesandbilling@rtip.otip.com, or  

• Call the RTIP Contact Centre at 1-833-318-2811.  

For a timely response to your inquiry, please include your RTIP plan number and member ID in all correspondence (do not include other personal information like banking information). 

Please note that if you move to Quebec, your rates will change as rates for Quebec residents vary.  

For any claims that are already on file but were denied, you will need to submit additional information on the RTIP plan member site. Please follow the steps below:   

1. After you have logged into your member account, click the Your Claims drop-down menu and select Claims History.  

2. Find the specific claim that needs additional information to be approved and click the + button on the right-hand side to expand information.  

3. Select Upload and add the correct document from your computer to that claim. 

To register for the RTIP plan member site, please visit rtip.otip.com/login and click “Register your account” to follow the registration steps required. If you need assistance with your registration, you can view step-by-step instructions on how to register here. 

If you need assistance uploading documentation, please call the RTIP Contact Centre at 1-833-318-2811.   

If you need to send Drug (or Medical Services) Prior Authorization forms online:  

1. After you have logged into your member account following steps 1 and 2 above, click on Contact us.  

2. Select Send documents and then complete the steps. 

If you’re looking for information on submitting RTIP travel claims, please visit otip.com/for-retirees/travel/make-a-claim.  

Eligible expenses for covered dependent children studying outside their province of residence will be considered under the health care plan on the same basis as if expenses were incurred in their province of residence (provincial government health insurance coverage must remain in place).  

Emergency travel coverage is limited to 100 days. Therefore, it will be important to purchase individual travel insurance to cover your covered dependent children after the 100 consecutive travel days. Top-up travel insurance can be purchased through Allianz Global Assistance at 1-866-520-8823 or 519-742-9013.  

For frequently asked travel questions or instructions to make an emergency travel claim, please visit otip.com/for-retirees/travel.  
 

Travel coverage for overage disabled dependants  

There is no age limit for unmarried, dependent children who are incapable of self-sustaining support due to a mental or physical disability that occurred prior to age 21. Please note that any two family members can qualify for couple coverage. If you do not have an eligible spouse, you and your dependent child can qualify for couple rates under RTIP.  

If you have questions about your current RTIP travel coverage, please contact the RTIP Contact Centre by calling 1-833-318-2811 or emailing planchangesandbilling@rtip.otip.com. 

1. After you have logged into your member account, select the Support icon and then Visit Help Centre from the drop-down menu.  

2. Click on Send us an online note.  

To register for the RTIP plan member site, please visit rtip.otip.com/login and click “Register your account” to follow the registration steps required. If you need assistance with your registration, you can view step-by-step instructions on how to register here. 

1. After you have logged into your member account, select your name in the top right-hand corner of the page and then select Your OTIP Account from the drop-down menu.  

2. Select Print my ID card from the All About You box.  

Please note that the benefits card will only be under the name of the plan member (i.e. will not be under the name of a spouse or dependant). However, you can print off as many cards as you need and give them to any family member who is covered under your plan. 

To register for the RTIP plan member site, please visit rtip.otip.com/login and click “Register your account” to follow the registration steps required. If you need assistance with your registration, you can view step-by-step instructions on how to register here. 

1. After you have logged into your member account, select the My profile tab and click Update Direct Deposit and ECS information. 

2. Enter the Transit number, Institution number, Account number and Re-enter account number. 

3. Enter your New email address if you would like to view your statements online. 

4. Click Submit. A confirmation screen should appear confirming that your banking information has been updated. 

IMPORTANT NOTES: 

• It is recommended that you make these changes on your personal computer. 

• Access to the plan member site is restricted to North America. 

To register for the RTIP plan member site, please visit rtip.otip.com/login and click “Register your account” to follow the registration steps required. If you need assistance with your registration, you can view step-by-step instructions on how to register here. 

All RTIP plans include 80% reimbursement of eligible charges, up to a combined maximum of $1,350 per calendar year for paramedical services. 
  
Please refer to your RTIP contract through the RTIP plan member site to get more details about your coverage. 
  
To view your RTIP contract online: 

1. After you have logged into your member account, select your name in the top right-hand corner of the page and then select Your OTIP Account from the drop-down menu. 

2. Under the Your Coverage tab, select Your RTIP Contract. 

To register for the RTIP plan member site, please visit rtip.otip.com/login and click “Register your account” to follow the registration steps required. If you need assistance with your registration, you can view step-by-step instructions on how to register here. 

Dependants over 21 may be eligible for coverage or continued coverage when incapable of self-sustaining support due to a mental or physical disability that occurred prior to age 21. Proof of the dependant’s condition must be provided within 30 days, after attainment of the limiting age (age 21). 

To confirm your dependant is covered, please contact the RTIP Contact Centre in one of two ways:  

• Send an email to planchangesandbilling@rtip.otip.com, or  

• Call the RTIP Contact Centre at 1-833-318-2811.  

We will verify that your plan has coverage for your dependant and provide you with the Overage Disabled Dependant Coverage form to be completed and returned for review of eligibility (if not already completed). 

1. After you have logged into your member account, click Your Claims and then select Claims History from the drop-down menu. 

2. When viewing your claims history, you will be able to search by claim type, date, family member, and status. 

To register for the RTIP plan member site, please visit rtip.otip.com/login and click “Register your account” to follow the registration steps required. If you need assistance with your registration, you can view step-by-step instructions on how to register here. 

1. After you have logged into your member account, select your name in the top right-hand corner of the page and then select Your OTIP Account from the drop-down menu. 

2. Under the All About You tab select “Change your password (1234 won’t cut it…).”  

3. Using the password criteria listed, create your new password.  

4. Click Save Changes. 

Forgotten password? If you have forgotten your password, please visit rtip.otip.com/login and click “Log in.” On the login page, select “Forgot your password?” and follow the steps provided to create a new password. 

Registering for the RTIP plan member site 
To register for the RTIP plan member site, please visit rtip.otip.com/login and click “Register your account” to follow the registration steps required. If you need assistance with your registration, you can view step-by-step instructions on how to register here. 

1. After you have logged into your member account, on your account homepage you will see your recent claims, along with their status.  

2. To view all of your claims, click Your Claims and then Claims History. 

To register for the RTIP plan member site, please visit rtip.otip.com/login and click “Register your account” to follow the registration steps required. If you need assistance with your registration, you can view step-by-step instructions on how to register here. 

To submit claims online under your RTIP plan, you will need to register for the RTIP plan member site. To register for the RTIP plan member site, please visit rtip.otip.com/login and click “Register your account” to follow the registration steps required. If you need assistance with your registration, you can view step-by-step instructions on how to register here. 

Once registered for the RTIP plan member site, or for members already registered, you can follow the steps below to submit your claim(s): 

1. After you have logged into your member account, select Your Claims and then Submit a Claim.

2. Follow the steps provided to submit your claim. 

Checking the status of your RTIP claim 
After a claim has been submitted, you can check the status of that claim by following the steps below on the RTIP plan member site: 

1. After you have logged into your member account, on your account homepage you will see your recent claims, along with their status.  

2. To view all of your claims, click Your Claims and then Claims History. 

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 review your options with your doctor.  
  
Check your coverage eligibility: 

1.  After you have logged into your member account, click Your Health Benefits.  

2. Select Drug. 

3. Enter drug name or Drug Identification Number (DIN).  

4. Click Search. 

To register for the RTIP plan member site, please visit rtip.otip.com/login and click “Register your account” to follow the registration steps required. If you need assistance with your registration, you can view step-by-step instructions on how to register here. 

You can find more information on RTIP travel coverage, including how to submit a claim and answers to frequently asked questions, at otip.com/for-retirees/travel. To view specific details regarding your coverage, please refer to your RTIP contract by following the steps below. 

Access your RTIP contract: 

1. After you have logged into your member account, select your name in the top right-hand corner of the page and then select Your OTIP Account from the drop-down menu. 

2. Under the Your Coverage tab, select Your RTIP Contract. You can also access a travel coverage confirmation letter, if required. 

To register for the RTIP plan member site, please visit rtip.otip.com/login and click “Register your account” to follow the registration steps required. If you need assistance with your registration, you can view step-by-step instructions on how to register here. 

You can access your RTIP contract on the RTIP plan member site by following the instructions below. 

1. After you have logged into your member account, select your name in the top right-hand corner of the page and then select Your OTIP Account from the drop-down menu. 

2. Under the Your Coverage tab, select Your RTIP Contract. 

To register for the RTIP plan member site, please visit rtip.otip.com/login and click “Register your account” to follow the registration steps required. If you need assistance with your registration, you can view step-by-step instructions on how to register here. 

If RTIP members have questions regarding certain benefits before trip departure, OTIP Travel Assistance (CanAssistance) can help. Along with your government issued id and RTIP benefit card, travelers should always bring their provincial health card and a credit card.  

The pre-travel inquiries team is ready to provide the following optional services: 

• Evaluation of known medical conditions prior to departure and medical review (medical questionnaire):  OTIP Travel Assistance (CanAssistance) can establish over the phone if your known medical condition is eligible for coverage during an upcoming trip and, if need be, recommend that your treating physician complete a medical questionnaire prior to departure (limitations apply). 

• Information on the destination: Global Affairs Canada warnings, vaccines, visas, general questions on currency and rates, time zone differences, international dialing codes, provider references, embassies, etc. 

• Information on benefits, exclusions, and confirmations of coverage: Confirmation of your coverage and verify specific exclusions that may apply. OTIP Travel Assistance (CanAssistance) can also provide, upon request, a confirmation of coverage letter, which includes: your first and last name, travel dates, insurer’s name, RTIP ID number, people covered under the plan, and amount of coverage ($). The confirmation also provides instructions on how to reach us abroad. 

Canada’s tax year runs January 1 to December 31. Year-end slips (including T4A forms) are shared with taxpayers/members by late February each year.
 
T4 slip: statement of employment income for the tax year. This is issued by your school board/employer.
 
T4A slip: statement of pension and benefits (e.g. Basic Life, Accidental Death and Dismemberment). This is issued by OTIP, the plan administrator of your Employee Life and Health Trust Benefits Plan.
 
If the Basic Life, Basic Accidental Death and Dismemberment (AD&D), Supplemental Life and Supplemental AD&D (if applicable) benefits are paid for by your Employee Life and Health Trust (ELHT), you will get a T4A slip for these taxable benefits. Prior to 2017, these amounts would have been reported to you on your T4 slip from your school board/employer as a taxable benefit.
 
These taxable benefit amounts were calculated based on the premiums paid by your ELHT for the tax year (January to December).
 
NOTE: The OTIP T4A slip will not include pension.

If you lived in Quebec during the current tax year, you will receive a Taxable Benefit Amounts letter attached to your digital T4A. You will be able to access both documents on your OTIP plan member site starting at the end of February.  

• The OTIP T4A slip will include Basic Life and AD&D benefits. It will not include pension.

In addition to your salary or wages, your employer may provide you with benefits such as a group life insurance, Accidental Death and Dismemberment (AD&D) insurance and/or health benefits. As per Canada Revenue Agency, your employer may need to include the value of these benefits in your taxable income (e.g., salary/wages). 
  
If the Basic Life, Basic Accidental Death and Dismemberment (AD&D), Supplemental Life and Supplemental AD&D (if applicable) benefits are paid for by your Employee Life and Health Trust (ELHT), you will get a T4A slip for these taxable benefits by the end of February. 
  
These taxable benefit amounts were calculated based on the premiums paid by your ELHT for the tax year (January to December). Prior to 2017, these amounts would have been reported to you on your T4 slip from your school board/employer as a taxable benefit. 
  
NOTE: If you are a Quebec resident, we will send you a letter with information on the health and dental premiums for Revenu Quebec’s tax requirements. 
 
To learn more about taxable benefits, visit the Canada Revenue Agency.  

The RL-1 slip is for Quebec residents only as it is required by Revenu Quebec. 
  
The RL-1 slip is issued by employers to report any amounts paid to an employee. 
  
If you are a Quebec resident, you can contact your employer if you need a copy of your RL-1 slip. 
  
To learn more, visit Revenu Quebec. 

If the Basic Life, Basic Accidental Death and Dismemberment (AD&D), Supplemental Life and Supplemental AD&D (if applicable) benefits are paid for by your Employee Life and Health Trust (ELHT), you will get a T4A slip for these taxable benefits. Prior to 2017, these amounts would have been reported to you on your T4 slip from your school board/employer as a taxable benefit.
 
These taxable benefit amounts were calculated based on the premiums paid by your ELHT for the tax year (January to December).
 
NOTES:

1. The OTIP T4A slip will not include pension.
2. If you are a Quebec resident, we will send you a letter with information on the health and dental premiums for Revenu Quebec’s tax requirements.
3. If there are any adjustments to the amounts in 2021, they will be included in the 2022 T4A slip.

If you no longer have access to your plan member secure site due to retirement, you will be mailed a physical copy of your T4A tax slip via Canada Post by late February. 

You will receive a notice of re-assessment from the Canada Revenue Agency, which will include the change to your taxable benefits. 
 
In addition to providing you with corrected T4A information, OTIP will also provide the Canada Revenue Agency with the same receipt electronically.

You will receive a notice of re-assessment from the Canada Revenue Agency, which will include the change to your taxable benefits. 

In addition to providing you with corrected T4A information, OTIP will also provide the Canada Revenue Agency with the same receipt electronically.

You can get your T4A slip securely online through the OTIP's secure member site from February 28 to May 31. After May 31, you can visit the Canada Revenue Agency to access your T4A slip.
 
Note: Following the guidelines outlined by the Canada Revenue Agency (CRA) for T4A distribution, OTIP no longer requires member consent to provide a digital T4A slip through the OTIP plan member site. To better protect members' personal information, T4A slips are now fully digital and can be accessed through the OTIP plan member site (limited mailing exceptions apply). 

Please contact your school board/employer to update your address. 
  
If you do not receive your T4A slip by March 15, you can contact OTIP Benefits Services at 1-866-783-6847 or send a secure email by logging into My Claims (then click on the Contact us tab). 
  
You can still use the amounts on the T4A slip for your tax return. 
  
You can get your T4A slip securely online through OTIP's secure member site from February 28 to May 31. After May 31, you can visit the Canada Revenue Agency to access your T4A slip. 
 
Did you know?  Your T4A slip delivery preference can be changed at any time in your Security Settings. Log on to OTIP’s secure member site to make this change. 

If the Basic Life, Basic Accidental Death and Dismemberment (AD&D), Supplemental Life and Supplemental AD&D (if applicable) benefits are paid for by your Employee Life and Health Trust (ELHT), you will get a T4A slip for these taxable benefits by the end of February. 
  
Prior to 2017, these amounts would have been reported to you on your T4 slip from your school board/employer as a taxable benefit. 
  
These taxable benefit amounts were calculated based on the premiums paid by your ELHT for the tax year (January to December). 
  
NOTE: If you are a Quebec resident, we will send you a letter with information on the health and dental premiums for Revenu Quebec’s tax requirements. 

Box 14 is your OTIP ID. As per the instructions on the back of your T4A slip, do not include this information on the tax return.

Canada’s tax year runs January 1 to December 31. Following the guidelines outlined by the Canada Revenue Agency (CRA) for T4A distribution, OTIP no longer requires member consent to provide a digital T4A slip through the OTIP plan member site. To better protect members' personal information, T4A slips are now fully digital and can be accessed through the OTIP plan member site (limited mailing exceptions apply). 

For plan members who received a hard copy of the T4A in previous years, a T4A tax slip will not be automatically mailed in February (mailing exceptions listed below).

For eligible plan members, you can access your digital T4A slip on OTIP’s plan member site in late February. You can also download a copy to keep on file or print, if you wish. 

Exceptions: Plan members will be mailed a hard copy of their T4A slip via Canada Post by February 29, if:

• They are on leave or retired, and/or

• They do not have access to the OTIP plan member site due to employment termination.

If you lived in Quebec in the 2021 tax year, you will also get a letter from OTIP with amounts for any funded health and dental benefits. You will need to report this with your taxable income.

If you switched boards or benefits plans with a different Employee Life and Health Trust during the tax year, you may have multiple OTIP IDs. In this case, you will receive a T4A slip for each OTIP ID. All T4A slips must be included on your tax return.
 
New T4A slips may be issued if:

• There is a change after the first T4A slip was issued.
• The T4A slip was filed in error, and therefore cancelled.

These T4A slips will be marked “AMENDED” or “CANCELLED” to indicate that they are not the original T4A slips. We will also send copies of these T4A slips to the Canada Revenue Agency.
 
The amounts on the “AMENDED” T4A slip should be included on your return.
 
"CANCELLED" T4A slips void the original T4A slips issued. You should not include any information on these T4A slips.

You can visit the Canada Revenue Agency  to access T4A slips from previous tax years. 

If you paid a portion of premiums through a pre-authorized debit (PAD) plan with OTIP, then you will receive a receipt by the end of February.
 
If you paid your premiums by payroll deduction, then your T4 slip from your school board may also be your premium receipt. Or, you can look at your year-end pay statement to find this amount.

If the Social Insurance Number (SIN) on your T4A slip is incorrect, please contact your school board/employer and OTIP Benefits Services at 1-866-783-6847.

A new T4A slip will be issued to you.

It is important to have this error corrected as an incorrect SIN can affect your future Canada Pension Plan (CPP) benefits. As well, this can impact your Registered Pension Plan (RPP) and Registered Retirement Savings Plan (RRSP) contributions now and in the future. 

If your address is incorrect, simply enter the correct information on your tax return.
 
Please contact your school board/employer to update your address. 

Box 119 needs to be reported on Line 104. Instructions can be found in the information section of the T4A slip.

If the Basic Life, Basic Accidental Death and Dismemberment (AD&D), Supplemental Life and Supplemental AD&D (if applicable) benefits are paid for by your Employee Life and Health Trust, they are considered a taxable benefit and a T4A slip is issued. You will need to report this with your taxable income.

The amounts shown on your T4A slip are calculated based on the Basic Life, Basic AD&D, Supplemental Life and Supplemental AD&D (if applicable) benefits paid to you in the tax year (January 1 to December 31)

Your home or property policy typically renews annually on the anniversary of the date you first purchased your insurance. For the renewal date specific to your policy, please refer to your policy documents. 

Insurers use a pool of premiums to pay for member losses. Your insurance company estimates an annual cost or premium to accept the risk of covering your vehicle/property. Premiums are based on how much money insurance companies think they will need to pay for the coming year’s claims.

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 a claim or any changes to your policy during the year, your rates may have increased due to claims frequency and severity in your region.

For each policy type, there are many factors that go into calculating rates at new business and renewal times.

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

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.

In Ontario, there is no tax on auto insurance for private passenger vehicles, motorcycles, trailers or ATV’s. However, there is an 8% tax applied to snowmobiles. 

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.

OTIP provides group car insurance rates for dependent children living away from home while attending school full time. 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. 

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

Related Information

• Learn more about our car insurance.

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

Ontario drivers are required to have the following coverage:

• Third-party liability
• Statutory accident benefits
• Uninsured automobile 

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.

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.

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.

"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).

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.

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.

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.

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.

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.

Please note: You may currently experience delays with your claim being resolved due to global disruptions affecting the claims process. For more information on how these disruptions could impact your home and/or auto insurance or claim, please visit: otip.com/Why-OTIP/News/global-disruptions-leading-to-claim-delays.

The OTIP Broker Service team 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.

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.

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.

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.

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.

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.

Your auto policy typically renews annually on the anniversary of the date you first purchased your car insurance. For the renewal date specific to your policy, please refer to your policy documents as well as your pink card. 

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

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.

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

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.

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

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.

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.

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.

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

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.

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

Short-term rentals may be covered on property policies.

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.

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.

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

The OTIP Broker Service team 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.

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 caused by falls (ice-covered driveways or sidewalks, broken handrails, 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

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

• Download the Schedule of Loss Form.
• Have you a non-emergency home or property claim? Fill out our online non-emergency claim form.

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.

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.

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

Related Information

• Learn more about our home and property insurance.

This coverage is the first of its kind in Canada and provides protection for loss or damages related to water entering your property from the sudden accumulation of water after heavy rains, spring run-off or overflow of lakes and rivers. 

Overland water protection is available for all property types where sewer back-up coverage is available. However, those located in areas that are highly prone to overland flooding will not be eligible. Contact your OTIP Insurance Broker at 1-800-267-6847 to determine whether or not your property is eligible.

Weather patterns are changing worldwide. According to Environment Canada, our climate has gotten warmer and wetter over the past 60 years and Canadians now experience an additional 20 days of rain each year. Severe weather events that used to occur every 40 years can now be expected to occur every six years. Major floods represent nearly 40% of all natural disasters recorded in Canada. 

Damage from storms, spring thaw and other fresh water flooding is happening everywhere. As the occurrence and severity of these major weather events increases, it has become more important than ever to ensure that you are protected against potential losses. Contact your OTIP Insurance Broker at 1-800-267-6847 to determine whether or not your property is eligible.

No, sewer back-up coverage must be in place when you buy overland water protection as the two are designed to work together. You can buy sewer back-up coverage alone – but remember there is no sewer back-up coverage if overland water has entered your home.

This is an option if you are no longer using your vehicle to drive to work. By changing your vehicle use to pleasure you remove coverage for your daily commute to work, indicating that you are driving less than a specified number of kilometers a year. Any potential savings will be based on the length of your typical commute. When you return to your regular commute, you will need to contact OTIP to adjust your policy and your premiums will be adjusted accordingly.

There are multiple options to remove road coverages from one or more of your vehicles depending on your personal circumstances. This will translate to the most savings however, it will also mean that you can no longer drive your car for any reason including getting groceries, etc. If your vehicle is leased or has a loan against it, we would require permission from the lessor or financial institution in order to delete coverages. We would be happy to discuss these options with you and what they might mean for you and your family.

If you would like to amend your policy, you can make this change in one of two ways:  

• Log onto OTIP’s Home and Auto member portal and complete a change request. 

• Call the Auto and Home Service department at 1-800-267-6847, to speak to one of our representatives. 

Generally, a standard home contents insurance policy doesn’t cover valuables in your home that belong to your workplace, so it’s a good idea to check with your broker if you need additional coverage. 
 
If you’ve decided to run a business from home, you need to speak to your insurance broker before starting the business. Regardless of the type of business, if you are selling an item to a customer you can be liable for injury that happens while using your product. As a home-based business is a significant change to your policy, your claim will not be covered. If you have any questions, please call our Auto and Home Service department at 1-800-267-6847.

LTD coverage 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 coverage is to provide income replacement benefits for serious disabilities resulting in long periods of absence.

The majority of contracts indicate that during the initial assessment period (first 24 months of LTD benefits), disability is assessed based on 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. 

NOTE: Your union representative can provide you with the specific contract wording in your plan.

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, union representative an OTIP representative or online. 

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. 

The initial assessment includes: 

• Review of your three required claim forms (Member's Statement, Plan Administrator's Statement, Attending Physician's Statement). 

• A preliminary telephone interview. 

• Evaluation of the medical information provided. 

At times, additional information or clarification may be required from your treatment providers. The claims decision will be communicated to you verbally and in writing. If the decision is to decline benefits, the reasons will be explained.

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.

You have a limited time from the date of the claims decision letter to appeal. This date will be outlined to you in your decision letter.  You can also find this timeframe information outlined in your group plan provisions. 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 Long Term Disability Claims Consultants (LTDCCs) 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 LTDCC at any point in the claims process. 

See the LTD Appeals section for more information. 

The qualifying period is the time between the onset of a disability and the date your long term disability (LTD) benefits become payable. The qualifying period starts when you first become disabled. 

The qualifying 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 plan will be outlined in your group insurance plan. 

Benefit payments are based on the provisions outlined in your group plan. 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. 

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.

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.

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. The maximum benefit period is specified in the Table of Benefits of your LTD plan. Please refer to your LTD plan for more information.

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.

For denied claims, LTD coverage will only be extended 60 working days beyond the end of the qualifying 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 covered. In order to satisfy this requirement, the member must be fully capable and actively performing their regular duties. 

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.

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.

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.

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.

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.

You cannot opt-out of two-step verification. It is an important additional layer of security to help verify your identify and keep your account secure.

It’s a great idea to include both your email address and mobile phone number so that you always have an alternative option to receive a verification code in the case you lose access to an old email address or mobile phone number.

You must provide an email address under your security options for your OTIP plan member account. This email address can be used to receive your verification code. It is optional, but highly encouraged, to also include a mobile phone number as an additional contact method.

No, international phone numbers cannot be used for the two-step verification process.

If you no longer have access to your mobile phone, you can choose to send your verification code to your email address. Once you have logged in, you can update your mobile phone number under your security options in your plan member account.

1. Click on “Security Settings” located in top right corner of the page

2. Under the Security Options header click on the drop down “change email, mobile phone or security questions”

3. Enter new mobile phone number

4. Click “Save email and mobile phone”

If you do not have access to both the email address and mobile phone number that you provided for your OTIP plan member account, you will need to contact OTIP Benefits Services at 1-866-783-6847 to update your contact information.

If you have trouble logging in to your OTIP plan member account, please call OTIP Benefits Services at 1-866-783-6847.

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.

In the past 12 months, if you have used any form of tobacco, including e-cigarettes, vaping products, water pipes, nicotine products, smoking cessation products, or more than 12 large cigars yearly, you would qualify as a smoker.

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.

There is no medical required to purchase LifePlan term life insurance online. For LifePlan and LifePlan Term 10 renewable and non-renewable policies, standard blood and urine (and possibly paramedical) tests are not required. 

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.

Individual term life insurance is open to the families of our members ages 18 to 60 (up to age 65 for Term 100).

Related Information

• Learn more about our life insurance products.

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.

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

• Login to access your life insurance policy details and beneficiary form.

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.

• LifePlan has a variety of terms including 10, 15, 20, and 25 years, depending on your age and coverage.
• 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

• Login to access your life insurance policy details and beneficiary form.

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

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.

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

• Learn more about our life insurance products.

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 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.

Naming your beneficiary is a BIG decision, and a critical part of your group life insurance benefits. It is one of the most important things you do when you enrol in a new employee group benefits plan, or if you have a life event like getting married or divorced.

If you do not designate a beneficiary designation, 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.

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 in case your spouse is deceased. A trustee is a person appointed by you to hold the minor’s proceeds in trust until the minor reaches the age of majority for your specific province. 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.

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.

If you intend for some or all of your death benefit to go to specific individuals, it is important to make sure that you plan and select those beneficiary(ies).
 

If a benefit becomes payable to a minor who is named as a primary or contingent beneficiary, the benefit can only be paid on behalf of the minor to a trustee, otherwise it will be paid into court to be held until the beneficiary has reach the age of majority for your specific province.

It is important if you are choosing a beneficiary who is a minor at the time of the designation to also name a trustee. Remember to complete the Trustee Appointment section of the Beneficiary Designation form if a minor beneficiary designation is made.

If you have a minor beneficiary designation, such as your child(ren), you should also appoint a trustee who would be in trust for your child(ren). A trustee is a person appointed by you to hold the minor’s proceeds in trust until the minor reaches the age of majority for your specific province.

The trustee is usually the same person named as the trustee in your will.

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

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 benefits cards

If your benefits are provided through your employee benefits plan: 

Emergency Travel Assistance provides travel assistance for you and your eligible 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 which 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 

For RTIP members:

RTIP travel insurance covers eligible members and dependent children (listed under your policy) for $10 million per lifetime for emergency services while travelling outside your province of residence. Coverage is for up to 100 consecutive days per trip with an unlimited number of trips per year subject to eligibility through your provincial plan.  

To find more information on RTIP travel coverage and to access frequently asked questions, please visit otip.com/for-retirees/travel. For more details on your specific RTIP travel coverage, please check your RTIP contract. 

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?

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?

Before topping up your travel coverage, 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) 

If you need to purchase additional travel insurance coverage to ‘pick up’ where your benefits plan leaves off, OTIP has partnered with 21st Century Travel Insurance Limited and Allianz Global Assistance to give you exclusive rates and comprehensive coverage, wherever and whenever you need it.   
 
If you have questions about your travel coverage, please contact OTIP Benefits Services at 1-866-783-6847.  

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 benefit cards

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.

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 benefit plans which include 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 that parents 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?

As an education employee, you can apply for coverage if you:

• You were contracted for a minimum of 30 working days during the previous school year, and

• You are actively at work for the current school year under a participating School Board or Employer.

No matter what your job is in education, we can help you find an occasional benefits plan that fits. Coverage can include:

• Extended health care*

• Dental care*

• Life insurance

• Accidental Death and Dismemberment (AD&D) insurance

* If you want health and/or dental coverage, you must purchase life and AD&D coverage.

To apply for coverage, call the OTIP Life and Living Benefits sales department at 1-800-267-6847.

Related Information

• Learn more about our Occasional Education Members insurance plan.

As an education employee, you can apply for coverage if:

• You were contracted for a minimum of 30 working days during the previous school year, and
• You are actively at work for the current school year under a participating School Board or Employer.

Related Information

• Learn more about our Occasional Education Employee Plans.

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

• Learn more about our Occasional Education Employee Plans.

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.

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.

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.

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

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.

• Log in to make a Health and Dental claim
• Log in to make a Retiree Health and Dental claim
• Find a Form

To be eligible for the OTIP Bursary Program, you must meet the following criteria at the time of selection: 

• You or your relative must be insured through an individual or group policy of an insurance plan or program offered by OTIP. 

• The student must be a full-time or part-time post-secondary student in a college, university, skilled trades, or technology program for the upcoming academic year. 

Entries must be received before midnight on June 15.

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

Yes, you are welcome to bring a guest. Please indicate this as you complete your registration form.

No, all required materials will be provided. For webinars, you can download a digital copy of the RTIP guide from your registration email or when you sign into the event. For workshops, a print copy of the RTIP guide will be provided.

Webinars and workshops cover retirement health, dental and travel insurance. Select sessions will also include pension and retirement financial planning information. Please see the registration list for details.

Yes, a light meal will be provided at the start of the workshop. If you have any special requirements, please note this in your registration form.

Please find your registration email and click on the link to cancel your registration.

You are able to register for a workshop that shows your own affiliation or if the site says “all” affiliations are welcome.  If you do not see your own affiliation then no, you are unable to register for that particular workshop.

Please call 1-800-267-6847 to speak with a Life and Living Benefits representative. You can also apply online for a plan or request a follow up from a representative. 

You will be notified via email if a spot opens up for you.

We offer both webinars and in-person workshops, so you can choose the option that works best for you.