Long-Term Disability Insurance

Protect yourself and your loved ones from the financial hardship that can arise if you are unable to work due to disability as a result of illness or injury.

What is Long-Term Disability Insurance?

Long-term disability (LTD) insurance provides a monthly benefit to help replace your personal income if sickness or injury prevents you from practising pharmacy. The long-term disability plan offered by the Ontario Pharmacists Association is among the best available and is specifically designed to meet the unique needs of Ontario’s pharmacists.

Our LTD insurance is a group plan, so you can rest assured that you are getting competitive rates on your premiums. Thanks to our team of top-ranking insurance experts, we provide an extremely well-managed, cost-effective plan, which helps our members obtain insurance coverage at the best prices.

When you choose OPA insurance, you are getting a program developed for pharmacists, by pharmacists. Our program is managed and underwritten by Manulife, and administered and overseen by the Ontario Pharmacists Association, so you receive personalized service from us. If you have questions about your coverage or if you ever need to make a claim, we’re here to help. 

Highlights of Benefits: 

  • Personalized and Customizable
    OPA has a licensed insurance representative that works on your behalf, to ensure you receive the best coverage for you and your family. OPA plans provide flexible options which include waiting periods of 14, 30 and 120 days.
  • Financial Security for Family and Dependents
    Disability insurance can protect you against the chance that an illness or injury will prevent you from working and meeting your expenses. A waiver of premium built-in feature means no premium is paid while disabled in periods following the commencement of disability benefits.

How to Apply:

  1. Complete the application form
  2. Send your documents to [email protected]
  3. An OPA team member will respond to you within 2 business days

Underwritten by Manulife


Overseen by OPA

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