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Help Centre

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What can we help you find?


Most Popular Questions

How do I log in to my health and dental plan?

If you are an active member, go to www.otip.com, click on log in and select Health and Dental from the dropdown menu. To log in you will need your identification number, date of birth and the password you created when you registered.

If you are a retired member, go to www.otip.com, click on log in and select RTIP/ARM from the drop down menu. You will need your plan and identification number, which can be found on your benefits card, as well as the password you created when you registered.

If you are a first time user, find out how to register for online access to your plan.


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”.

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.


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.

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’.


Browse Questions by Product Category

Health and Dental

 

Health and Dental Questions

How do I log in to my health and dental plan?  

If you are an active member, go to www.otip.com, click on log in and select Health and Dental from the dropdown menu. To log in you will need your identification number, date of birth and the password you created when you registered.

If you are a retired member, go to www.otip.com, click on log in and select RTIP/ARM from the drop down menu. You will need your plan and identification number, which can be found on your benefits card, as well as the password you created when you registered.

If you are a first time user, find out how to register for online access to your plan.

What should I do if I forget my password?  

To reset your password:

  1. Go to www.otip.com.
  2. Click log in on the top right corner of the website and select Health and Dental (if you are an active member) or RTIP/ARM (if you are a retired member).
  3. If you are an active member, click on Forgot your password?, enter your Plan Identification Number (found on your benefits card) and date of birth. Click Validate and follow the instructions.
  4. If you are a retired member, click on I forgot my password and follow the instructions.

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

How do I change my password?  

To change your password:

  1. Go to www.otip.com.
  2. From the menu, select Health and Dental (if you are an active member) or RTIP/ARM (if you are a retired member) and log in.
  3. Click on “My profile” and then “Change password.”

I am locked out of my account. How do I regain access?  

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

Where can I find my benefits booklet?  

  1. Go to www.otip.com.
  2. Click log in on the top right corner of the website and select Health and Dental (if you are an active member) or RTIP/ARM (if you are a retired member).
  3. Enter your credentials to log in.
  4. If you are an active member, once logged in click on My Claims (Plan Member Secure Site). From the home page of My Claims, find the “My benefits” tab and click on “View benefits booklet.”
  5. If you are a retired member, from the home page of the Plan Member Secure Site, find the “My benefits” tab and click on “View benefits booklet.”

How much benefits coverage do I have?  

  1. Go to www.otip.com.
  2. Click log in on the top right corner of the website and select Health and Dental (if you are an active member) or RTIP/ARM (if you are a retired member).
  3. Enter your credentials to log in.
  4. If you are an active member, once logged in click on My Claims (Plan Member Secure Site). From the home page of My Claims, find the “My benefits” tab and click on “View benefits booklet.”
  5. If you are a retired member, from the home page of the Plan Member Secure Site, find the “My benefits” tab and click on “View benefits booklet.”

How do I register for online access to my plan? What kind of services are included?  

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.

You can view a video tutorial and find more information about registering on OTIP’s website and enrolling in your benefits plan at www.otip.com/loginhelp.

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.

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.

Online services include:

  • Online claims submission
  • Direct deposit
  • Email alerts when your claim has been processed
  • Details of your benefits coverage (benefits booklet)
  • Status of current and previously submitted claims

How do I submit claims online?  

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 you are an active member:

  1. Go to www.otip.com.
  2. Select Health and Dental from the menu and log in.
  3. Click on the “Plan Member Secure Site (My claims).”
  4. Click on the “Claims” tab or “Online claims” in the Quick links box.

If you are a retired member:

  1. Go to www.otip.com.
  2. Select RTIP/ARM from the menu and log in.
  3. Click on the “Claims” tab or “Online claims” in the Quick links box.

How do I check on the status of a claim?  

If you are an active member:

  1. Go to www.otip.com.
  2. Select Health and Dental from the menu and log in.
  3. Click on the “Plan Member Secure Site (My claims).”

Your most recent claims will be listed. To see a history of your claims, click on the Claims tab.

If you are a retired member:

  1. Go to www.otip.com.
  2. Select RTIP/ARM from the menu and log in.

Your most recent claims will be listed. To see a history of your claims, click on the Claims tab.

If you do not have access to the Plan Member Secure Site, you can call OTIP Benefits Services at 1-866-783-6847 to check on the status of a claim.

Why can't I submit all claims online?  

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

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

Why do I need a doctor's note?  

Depending on the benefit plan, certain treatment or benefits require a doctor’s note. To find out whether you need a doctor’s note, please check your benefits booklet, or contact OTIP Benefits Services at 1-866-783-6847.

How do I add a dependant to my plan?  

If you are an active member:

  1. Go to www.otip.com.
  2. Click log in on the top right corner of the website and select Health and Dental.
  3. Enter your credentials to log in.
  4. Click on My Benefits (the Plan Member Self-Serve Portal).
  5. On the home page of My Benefits find the My Personal Info box, and click on Enrol/Make Changes.
  6. Choose the Life Event that is appropriate for your situation and complete the steps.

If you are a retired member:

To add a dependant to your plan, complete and submit the Extended Health and Dental Coverage Change Form to OTIP.

The form must be completed and signed within 31 days of first becoming eligible. Otherwise, you or your dependant(s) may be subject to late entrant requirements (e.g., medical approval and associated costs, decrease in coverage for the first year).

Related Information

How do I submit a claim for orthodontic expenses?  

In most cases, your dental office will submit dental claims on your behalf. If your dentist does not provide this service, you can print off a Standard Dental Claim Form and have them complete the appropriate sections.

NOTE: If a treatment costs more than $300, please ask your dentist to submit an estimate or a “predetermination of benefits” to OTIP. We will advise you by mail how much will be reimbursed.

Please also ask your dentist to submit x-rays for predeterminations of all major services. The x-rays will be promptly returned to your dentist once the review is complete.

Related Information

How do I know if a dental treatment is covered?  

If a treatment costs more than $300, please ask your dentist to submit an estimate or a “predetermination of benefits” to OTIP. We will advise you by mail how much will be reimbursed .

You can also contact OTIP Benefits Services at 1-866-783-6847 to discuss and review your dental coverage.

Why can't I submit orthodontic claims online?  

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 and mail via Canada Post to OTIP.

Related Information

How do I update the beneficiary information for my group life coverage?  

For active members only (group life coverage is not available to retirees):

  1. Go to www.otip.com.
  2. Click log in on the top right corner of the website and select Health and Dental.
  3. Enter your credentials to log in.
  4. Click on My Benefits (the Plan Member Self-Serve Portal).
  5. On the home page of My Benefits, click Enrol/Make Changes.
  6. Click Beneficiary Change under Any time Change.
  7. Choose your beneficiary(ies) from the dependants listed on the screen and/or click to add a beneficiary.
  8. Allocate the percentage amount you wish to assign to each beneficiary for each life benefit (basic life, optional life, etc.).
  9. Click Contingent Beneficiary(ies) if you want to add contingent beneficiary(ies).
  10. Review your information and changes. If correct, review the terms and conditions and check the Consent and Authorization box. You will be provided with the option to print a summary page for your own records. Please do not send the summary page to OTIP; it is for your records only. You must still print the Beneficiary Designation Form and send it to OTIP.
  11. Under Forms, click Beneficiary Designation Form – English to access the required form, which will be automatically populated for you from the previous steps.
  12. Print, sign, date and mail the Beneficiary Designation Form to OTIP. This is required by law to ensure that we have accurate information on file.

How do I update my benefits during a leave?  

  1. Go to www.otip.com.
  2. Click log in on the top right corner of the website and select Health and Dental.
  3. Enter your credentials to log in.
  4. Click on My Benefits (The Plan Member Self-Serve Portal).
  5. On the home page My Benefits find the My Personal Info box, and click on Enrol/Make Changes.
  6. Choose the Going on Leave event and complete the steps.

 

How do I get my claim statement for last year?  

  1. Go to www.otip.com.
  2. Click log in on the top right corner of the website and select Health and Dental (if you are an active member) or RTIP/ARM(if you are a retired member).
  3. Enter your credentials to log in.
  4. If you are an active member, once logged in click on My Claims (Plan Member Secure Site). From the home page of My Claims, click on the Claims tab and Search my claims. Enter the information for your search.
  5. If you are a retired member, click on the Claims tab and Search my claims. Enter the information for your search.

You will be able to print a summary of your claims statement.

How do I get enough medication to take with me on vacation?  

If you are an active member, please contact OTIP Benefits Services at 1-866-783-6847.

If you are a retired member, please complete a vacation supply form and submit with your receipts to OTIP.

Related Information

How do I add dental coverage to my RTIP plan?  

RTIP/ARM dental coverage is optional and can be added to any of our retiree health plans, or purchased alone, at any time, effective the first of the month following the receipt of your written request.

To add dental coverage, please send a written request via email, fax, or mail to OTIP:

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

My recent drug prescription is not covered by my health plan. How can it be added to the plan?  

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 can review your options with your doctor.

You may also find it useful to use our online tool, My drug plan. It includes a drug lookup tool that can help you find out whether a drug is covered under your OTIP benefits plan, the approximate out-of-pocket expense to purchase the drug, as well as 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 will be notified if a drug is subject to prior authorization.

Signing up for My drug plan is easy.

  1. Go to www.otip.com.
  2. Click log in on the top right corner of the website and select Health and Dental (if you are an active member) or Retiree Health and Dental (if you are a retired member).
  3. Enter your credentials to log in.
  4. If you are an active member, once logged in click on My Claims (Plan Member Secure Site). From the home page of My Claims, find the My benefits tab and select My drug plan.
  5. If you are a retired member, find the My benefits tab and select My drug plan.
  6. On the home page of the Plan Member Secure Site, find the My benefits tab and select My drug plan.

How do I submit a claim for orthotics?  

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

How can I coordinate my plan with my spouse's plan?  

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

How do I submit a claim for trip cancellation?  

Trip cancellation coverage is available to retired members only. To submit a claim, please provide the following:

  • A statement from the physician in attendance outlining the reason(s) for the necessity of cancelling, interrupting or delaying the trip.
  • Documentary evidence of the emergency that caused the cancellation, interruption or delay.
  • In the event of a travel advisory, proof of booking date as well as a copy of the travel advisory issued by the Canadian government.
  • Proof that a portion of the travel arrangement costs is non-refundable and copies of receipts/unused tickets and receipts/coupons for any additional transport costs incurred.

What happened to www.otipservices.com?  

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.

Auto and Home

 

Auto and Home Questions

How do I know when my home/property policy is renewing?  

Your home or property policy renews annually on the anniversary of the date you first purchased your insurance. You can find this date on your policy documents.

Why did my rates go up?  

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

On a monthly or annual basis, you pay a premium to your insurer for assuming this risk on your behalf. Your insurance company puts all premiums into one large pool. Your insurance is an annual contract, so the pool operates for only one year at a time.

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 any changes to your policy during the year and haven’t made a claim, your rates may have increased as a result of claims frequency and severity in your particular region.

Is there a penalty if I cancel my auto policy before the renewal date?  

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

What does the liability section of my home/property policy cover?  

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.

Is there sales tax on auto insurance?  

In Ontario, there is no tax on auto insurance.

Do you insure vehicles outside of Ontario?  

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.

Can my child get group car insurance rates when they don’t live in the same household as me?  

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

Can I maintain auto insurance through OTIP once I’ve retired?  

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

Related Information

I am thinking of moving to another province. Can my auto insurance remain in force?  

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

What coverage is legally required to drive my vehicle?  

Ontario drivers are required to have the following coverage:

  • Third-party liability
  • Statutory accident benefits
  • Direct compensation – property damage
  • Uninsured automobile 

What does collision coverage include?  

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.

What does comprehensive car insurance coverage include?  

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.

What is all perils 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.

What is "no fault" insurance?  

"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).

Can I insure a vehicle if I am not the registered owner?  

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.

Am I covered if someone else is driving my car and gets into an accident?  

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.

Does my auto insurance cover a rental car?  

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.

Are stone chips covered by my auto policy?  

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.

How long does it take to settle an auto or home/property claim?  

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.

If I make an auto claim will my rates change?  

Curo Claims Service 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.

What should I do if I’m in a car accident?  

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.

What happens if I’ve been injured?  

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.

When is a vehicle deemed a "total loss"?  

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.

What is an approved shop? Can I choose my own shop?  

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.

I purchased rental car coverage; how does it work?  

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.

How do I know when my auto policy is renewing?  

Your auto policy renews annually on the anniversary of the date you first purchased your car insurance. You can find this date on your policy documents as well as on your pink card.

Is there a penalty if I cancel my home/property policy before the renewal date?  

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

What does the liability section of my auto policy cover?  

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.

Is there sales tax on home insurance?  

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

Do you insure properties outside of Ontario?  

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.

I am thinking of moving to another province. Can my home/property insurance remain in force?  

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

I am planning to rent out my house. Do I need to make any changes to my policy?  

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.

Am I covered if I have a home-based business?  

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.

Why is my house not insured for its market value?  

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.

Does my home insurance cover my child’s belongings while away at college or university?  

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

What should I do when I go on vacation? Does someone need to check on my house?  

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.

What types of properties do you insure?  

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

Can we insure Airbnb properties?  

Short-term rentals are not covered on property policies.

I own a condo. What does my condo corporation cover and what am I responsible for insuring?  

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.

Why isn’t water damage coverage available for my home?  

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.

Is my roof covered for leaks? Under which instances would I be able to make a claim?  

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

If I make a home/property claim will my rates change?  

Curo Claims Service 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.

What’s covered by my property policy?  

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 called by falls (ice-covered driveways or sidewalks, broken hand rails, 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.

What happens if items are stolen from my home?  

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

What is Sewer Back-up?  

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.

Who is responsible for water damage in my apartment?  

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.

Can I maintain home and property insurance through OTIP once I’ve retired?  

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

Related Information

 

Long Term Disability (LTD)

 

Long Term Disability (LTD) Questions

What is long term disability (LTD) insurance?  

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

What is the definition of disability?  

During the initial assessment period (first 24 months of LTD benefits), disability is assessed on the basis of 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.

How do I submit an LTD claim?  

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, federation, association or an OTIP representative.

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.

What happens once OTIP has received my LTD claim?  

The initial assessment includes:

The claims decision will be communicated to you verbally and in writing. If the decision is to decline benefits, the reasons will be explained.

How long does it take OTIP to make a decision on my LTD claim submission after receiving my application?  

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.

If my LTD claim is denied or terminated, how do I appeal the decision?  

You have two years from the date of the claims decision letter to appeal. 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 disability service representatives (DSR) 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 DSR at any point in the claims process.

See the LTD Appeals section for more information.

What is a waiting or elimination period?  

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

The waiting 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 policy will be outlined in your group insurance policy.

How are long term disability (LTD) benefits calculated?  

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

What is OTIP’s Early Intervention (EI) Program and how do I qualify?  

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.

Can you tell me about OTIP’s Rehabilitation Services?  

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.

How long can I continue to receive long term disability (LTD) benefits?  

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. In standard plans, this is the end of the month in which you reach age 65 or the date you are entitled to a 62% to 66% unreduced service pension from the Ontario Teachers' Pension Plan Board (OTPPB), whichever comes first.

For OMERS (Ontario Municipal Employees Retirement Systems), the maximum benefit period is specified in the Table of Benefits of your LTD plan. Please refer to your LTD plan for more information.

Are my pension plan credits protected while I am receiving LTD benefits?  

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.

If my long term disability (LTD) claim is denied or terminated and I do not return to work, what LTD coverage do I have?  

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

Life

 

Life Questions

What is the difference between group and individual life insurance?  

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.

What is your definition of smoker/non-smoker?  

If you have not smoked or used nicotine replacement products (including e-cigarettes) for over 12 months, we can consider you to be a non-smoker. Otherwise, you will be considered a smoker for life insurance purposes. 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.

Do I need to undergo a medical in order to purchase life insurance?  

There is no medical required to purchase LifePlan term life insurance online. For LifePlan 100, Term 10 and Term 20 standard blood and urine (and possibly paramedical) tests are required.

What is the difference between the mortgage/credit insurance available from my lender and your life insurance?  

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.

Can my spouse or children apply for OTIP life insurance coverage?  

Individual term life insurance is open to the families of our members ages 18 to 60 (up to age 70 for Term 100).

Related Information

How do I change my life insurance coverage?  

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.

How do I get a copy of my life insurance coverage?  

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

How do I find out when my life insurance policy terminates or when my premium will increase?  

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.

  • 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

Does my life insurance have any cash value?  

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

What happens to my life insurance coverage if I am no longer part of the education community?  

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.

What happens when a term life insurance policy expires?  

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

Can I have more than one life insurance 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

Related Information

Travel

 

Travel Questions

What travel coverage do I have?  

If you have questions regarding your travel insurance, please contact OTIP Benefits Services at 1-866-783-6847. We will not be able to confirm whether a claim for your condition will be covered or not, but we can discuss your options.

Related Information

    No Forms found
 

Occasional Employees

 

Occasional Employees Questions

I am an occasional employee. Can I sign up for benefits?  

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

  • were contracted for a minimum of 10 working days during the previous school year, OR
  • were contracted for or completed a minimum of 10 working days during the current school year.

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

  • Extended health care
  • Dental care
  • Life insurance
  • Long term disability

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

Related Information

Who is eligible to apply for the OTIP Occasional Education Employee Plan?  

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

  • You were contracted for a minimum of 10 working days during the previous school year; OR
  • You were contracted for or completed a minimum of 10 working days during the current school year.

Related Information

What coverage options are available for occasional employees?  

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

 

Others

 

Others Questions

Who is eligible to win the OTIP bursary?  

To be eligible to win, you must meet the following criteria at the time of the selection:

  • You or your relative (e.g. child, stepchild, grandchild, aunt, uncle, sister, brother, spouse, etc.) must be insured through an individual or group policy of an insurance plan or program offered by OTIP.
  • The applicant must be a full- or part-time post-secondary student at a college or university for the upcoming academic year.

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

How many times can I apply for the applicant (student) for the OTIP Bursary Program?  

Only one entry per applicant (student) will be accepted.

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

How does the OTIP Bursary Program work?  

Based on a lottery system, the OTIP Bursary Program will randomly draw six male and six female winners from all eligible entries received. The bursary is $1,500 CAD per winner. Winners are only eligible to receive the OTIP bursary once.

The winners will be contacted by telephone and will be required to submit proof of attendance at a college or university on a full-time or part-time basis for the upcoming academic year.

Only one entry per person (student) will be accepted.

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

What is the deadline for entering a student in the OTIP Bursary Program?  

Entries must be received before midnight on June 15.

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

How do I apply for the OTIP Bursary Program?  

The bursary entry form is online at www.otip.com/bursary. Entries must be received before midnight on June 15.

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

Who can fill out the OTIP bursary entry form?  

The bursary entry form is online at www.otip.com/bursary. The entry form can be completed by the applicant (student) or the OTIP member (you, your parent, step-parent, grandparent, aunt, uncle or legal guardian).

Only one entry per person (student) will be accepted and it must be received before midnight on June 15.

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

How do I apply for corporate donations at OTIP?  

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.

What are the criteria for corporate donations?  

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.

How are corporate donation requests evaluated and determined?  

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.

How do I register for OTIP Charity Golf Classic?  

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

What happened to www.otipservices.com?  

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.

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