Ontario Teachers Insurance Plan and Long-term Disability Claims

The Ontario Teachers Insurance Plan (OTIP) is a group insurance plan for educators and teachers in Ontario. OTIP provides long-term disability coverage for teachers who are unable to work due to illness or injury.

Read on to learn more about OTIP, and how you can get the help you need if your long-term disability claim is denied.

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Understanding OTIP

OTIP provides group insurance to all unionized teachers and educators in the province of Ontario, including long-term disability (LTD) benefits. This includes life insurance, and health and dental benefits. OTIP is the plan administrator, which means they process claims, and are responsible for approving or denying claims.

OTIP disability disputes are not processed the same way other long-term disability claims are, so it’s important to contact a lawyer to as soon as possible when your claim is denied or cut off.

The Impact of COVID-19 on stress and mental health for educators

COVID-19 has had a tremendous impact on how we operate in the workplace and has increased stress levels for all employees. This is especially true for teachers and educators, who are having to cope with the concerns and stresses of the possibility of being exposed to COVID-19 in the workplace. Additionally, new hybrid educational models are creating extremely stressful work environments for teachers.

Mental health concerns are now at the forefront, and stress, anxiety, and depression are a major concern. If you are dealing with mental health issues, and your symptoms are preventing you from working, you may want to file a long-term disability claim with OTIP.

Was your OTIP LTD Claim Denied?

LTD claims can be challenging and complex, and you will need help resolving any issue your insurer has with your claim. If your LTD benefits with OTIP are cut off or denied, or you are being asked to appeal a claim that’s been denied, you should contact us immediately. We have successfully helped many clients throughout Ontario get full compensation from the insurance company after their LTD benefits were wrongfully denied. Get the money you are owed by OTIP when you can’t work due to a disability.

Don’t walk way from your rights. That is what the insurance company wants you to do. They may also encourage you to appeal the denial. Do not go through the insurance company’s appeals process! In most cases, your appeal will be unsuccessful, and your insurer will use this tactic to run out the clock on your time limit to file a claim for full compensation.

If your disability claim is denied in Ontario, BC or Alberta, you need to contact the experienced long-term disability lawyers at Samfiru Tumarkin LLP immediately at 1-855-821-5900 for a FREE CONSULTATION. We will review the facts of your situation, tell you if you have a case, and take the fight to the insurance company on your behalf. Don’t let them walk away with the money that they owe you in your time of need.

Get the advice you need, the compensation you deserve.

Additional Resources

• OTIP Website
• OTIP – Group Disability Benefits
• OTIP – The Long-Term Disability (LTD) Claims Process
• OTIP Insurance
• Active Retired Members (ARM) of OTIP