

OTIP is pleased to introduce RTIP Gold Elite and ARM Prestige Elite, groundbreaking new health insurance plans for retirees under age 65. Our Elite plans provide much needed protection from catastrophic medical expenses - those that can devastate a family’s finances.
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Find out how RTIP Gold Elite and ARM Prestige Elite can protect you.
If you have specific questions about making claims under the Elite plans, please visit our Frequently Asked Questions page.
How to apply
Interested in applying for Elite? Call OTIP benefits services at 1-866-783-6847; our representatives are happy to help.
If you are joining Elite from one of our existing RTIP or ARM plans or are already retired, medical evidence of insurability is required to apply.
Making claims through your Elite plan
If you are a member of an Elite plan and are ready to make a claim, please read our RTIP Gold Elite Claim Process or ARM Prestige Elite Claim Process document or call OTIP benefits services for assistance.
Protect your retirement dreams and your financial future.
Here are a few questions commonly asked by our plan members.
How do I submit a dental claim?
How do I submit a health claim?
Monday to Friday: 8 a.m. to 5 p.m.
Phone: 1.866.783.6847
E-mail: questions@otipservices.com
We cannot guarantee the security of information sent via e-mail. If you choose to make a request via e-mail, you agree to accept this risk.

I'm covered under a health and dental benefit plan through OTIP and I've already registered for OTIP Services.
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Choice. Flexibility. Understanding.
With insurance products and services from OTIP it's easy to focus on what matters most. You. Our specialists will guide you to formulate the best insurance plan for you, not what is best for everyone else.
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