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OTIP Member Login

 

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

If you are an active member, you should have received an emailed letter inviting you to set up your access to the Plan Member Login. If you did not, or cannot locate your letter, please call us at 1-866-783-6847.

If you are a retired member:

  1. Go to www.otip.com.
  2. Click log in on the top right corner of the website and select RTIP/ARM.
  3. Click on register in the “You must be registered to log in” box.
  4. Enter in the requested information, including the Plan contract number and Member certificate, which can be found on your benefits card.
  5. Create and verify a password. It’s a good idea to write down your password and keep it in a safe place.
  6. Once you have submitted your registration, an activation key will be mailed to your home address. To complete your registration, log in at www.otip.com and enter your activation key.

What do I do if I’m having trouble logging in?  

There are two things we encourage you to do:

  1. Clear your cache
  2. Remove a saved password

Clearing your cache

If you are encountering difficulties accessing your plan member login, we recommend you try clearing your cache and refreshing your page. To clear your cache, press Ctrl+F5 (PC) or Command+Option+E (Mac).

Removing a saved password

If you have your current password saved for the plan member login, you will need to update it for your new plan before you can log in. To remove a saved password, please follow the directions below for whichever browser you are using.

Chrome

  1. Click on the menu in the top right corner of your window.
  2. Click on “Settings”.
  3. Click on the “Show advanced settings…” link at the bottom of the page.
  4. In the “Passwords and forms” section, click the “Manage passwords” link.
  5. Select the site with the password you’d like to remove and click on the “X”.

Firefox

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

Safari

  1. Click “Preferences” from the menu bar at the top of the screen. If your menu bar is not visible, press the ALT key to make it appear.
  2. Select the “Autofill” tab.
  3. Click the “Edit” button under Usernames and Passwords.
  4. Select the site with the password you’d like to remove and click the “Delete” button.

Internet Explorer (IE)

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

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

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

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

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

I am having trouble creating a new password for the OTIP Secure Site. Why are there so many requirements?  

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

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

What is the secure member login for?  

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

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

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

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

To access the secure member login from www.otip.com, go to ‘Log in’, and click ‘Health and Dental’.

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

What should I do if I forgot my password?  

Enter your OTIP Identification Number, followed by your date of birth. Then click the ‘Forgot password?’ link and follow the instructions. You will need to provide answers to the security questions you set during your registration. If you need assistance, please contact OTIP Benefits Services at 1-888-521-0023.

How do I send an email to OTIP Benefits Services?  

If you have not completed your enrolment in your new provincial benefits plan, you can contact OTIP Benefits Services online by filling out the form on the bottom of our Contact us page.

NOTE: As we are unable to securely authenticate members who send information through the Contact Us form, and because we are committed to protecting your personal information, we are unable to provide a detailed response by return email. If you have a specific question about your coverage prior to your enrolment, please call OTIP Benefits Services at 1-866-783-6847.

If you have completed your enrolment, you can send us a note through My Claims.

 

My Benefits

 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

Beneficiary Designation

Where do I find the beneficiary designation form?  

Once you have completed your benefits enrolment in My Benefits, you will see a page summarizing your coverage. At the bottom of the page is a box that contains a link to the required form. Click the link to access the form. This is the form that you must print, date, sign and mail to OTIP by the expiry date indicated on your transition enrolment event.

NOTE: If you do not download the form during the benefits enrolment process, you can also find it under Pending Forms on the My Benefits homepage. You will continue to see the beneficiary designation form under ‘Pending Forms’ until OTIP receives your completed and signed form.

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

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

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

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

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

What happens if I don’t complete my beneficiary designation?  

If OTIP does not receive a signed beneficiary designation form from you, then:

  • Policy proceeds may not be directed to your desired up-to-date beneficiary (e.g. spouse);
  • Payment of the proceeds will be delayed as a result of the proceeds becoming part of your estate and subject to probate laws;
  • Added probate and legal costs will be incurred and there will be income tax implications depending on your relationship with the beneficiary.

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

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

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

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

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

Let’s confirm your beneficiary designation first.

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

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

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

Coordination of Benefits

What does coordinating benefits mean?  

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

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

How do I coordinate my benefits with another plan?  

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

How does coordination of benefits work?  

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

Claims for member and spouse

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

Claims for dependant children

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

When do I need to contact OTIP Benefits Services about coordination of benefits?  

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

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

My Claims

 

How do I access My Claims?  

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

Visit www.otip.com and click ‘Log in’ at the top right corner and select ‘Health and Dental ‘from the drop down menu.

On the Member Login page, enter your OTIP Identification Number, your date of birth and the password you chose when you first registered. If you have forgotten your password, click on ‘Forgot password?’.

Once successfully logged in, you will have direct access to My Claims and My Benefits. As a first time user of My Claims, you will be asked to enter your Plan Number which can be found on your benefits card. Then click ‘Go to My Claims’.

I got my benefits card in the mail; does that mean I’m now enrolled?  

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

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

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

When can I submit claims under my new plan?  

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

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

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

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

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

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

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

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

How do I sign up for direct deposit for my claim payments?  

To set up direct deposit to get your claims money faster, log in to the OTIP secure member site, and click ‘Go to My Claims’. Once on the home page of My Claims, hover over ‘Claims’ in the top navigation bar and select ‘update banking information’.

Why do I need a password for OTIP’s secure member login as well as My Claims?  

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

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

 

Additional Support for Existing OTIP Members

 

If I have an existing OTIP account, do I have to create a new account on OTIP’s website?  

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

If I register again, won’t I have two OTIP accounts?  

Yes, you will have two accounts with different login information until the new plan begins.

You will continue to use your current OTIP account under your existing benefits plan for any claims and any other benefit activities until midnight the day before your new plan begins. At midnight, this account will be suspended and you will no longer have access.

You can start using your new OTIP account as soon as you receive your email from OTIP inviting you to enrol in your new benefits plan. After completing your benefits enrolment you will have immediate access to ‘My Claims’ where you can view your benefits booklet and set up direct deposit for online claims.

How do I submit claims to my current plan before my new plan begins?  

Before your new plan begins, you can continue to submit claims online through your existing benefits plan using your current OTIP account until on the day your plan coverage terminates.

How do I submit claims to my current plan after my new plan begins?  

After your new plan begins, your online account for your current benefits plan will be suspended. This is because your new plan is now in place. If you still have claims to submit under your old plan, you will need to mail paper forms. You can access Extended Health Care and Dental Forms online.

 

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