Critical Illness Insurance

This important insurance helps protect you and your family from the significant and often long-term financial hardship that can result from surviving a major illness. Critical Illness insurance benefit is paid as a lump sum, giving you the flexibility to allocate the benefit payment as you need during a challenging time. 

Why should I choose critical illness insurance from the Ontario Pharmacists Association?

Critical illness insurance from the Ontario Pharmacists Association is a group plan, so you can rest assured that you are getting competitive rates on your premiums. 

The critical illness insurance offered through OPA can help you:

  • gain access to non-government medical services within (or outside) Canada
  • receive assistance by hiring domestic help, such as nursing or child care services, during recovery
  • reduce financial stress by paying off debts (mortgage, loans, credit card), or by maintaining your business or practice
  • make alterations to your home or automobile to accommodate special needs
  • allow your partner to take a leave of absence to help you through the recovery.

When you choose OPA insurance, you are getting a program developed for pharmacists, by pharmacists. Our program is managed and underwritten by reputable insurers, 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.

Disclaimer
This represents a simplified summary of the critical illness plan. The actual terms and conditions of the insurance contract and the coverage are determined by the Master Policy, which is kept at the OPA office.

How does critical illness insurance protect me?

The critical illness insurance benefit provides for everyday living expenses and the independence necessary to make meaningful decisions about your physical and financial recovery. It pays a lump sum amount, upon diagnosis and survival period of 30 days, of up to 17 different impairments.

The critical illness benefit will only be paid once during the participant’s lifetime, regardless of the number or frequency of other critical illnesses.

Critical illness insurance does not replace long term disability insurance, but it is a helpful addition to it as part of a sound financial plan.

What is the benefit of critical illness insurance?

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What is covered?

Basic coverage includes coverage for four major illnesses: stroke, kidney failure, heart attack, and life-threatening cancer.

The basic and extended coverage includes these four illnesses, plus 13 other diseases and conditions: muscular dystrophy, HIV infection (occupational contraction), Alzheimer's disease, Parkinson's disease, multiple sclerosis, paralysis, blindness, major burns, graft of a major organ, coma, coronary by-pass, loss of speech, and deafness.

Who is eligible for this insurance?

The Ontario Pharmacists Association’s critical illness insurance coverage is available to:

  • members and their spouses who are under age 60 and members should work a minimum of 20 hours a week on a regular full-time basis
  • members’ non-pharmacist/non-technician employees who are under age 60 and work a minimum of 20 hours per week on a regular full-time basis.

Additional medical evidence (arranged by OPA) may be required based on your age and the amount of insurance applied for.

Who manages the critical illness insurance program?

The Ontario Pharmacists Association’s critical illness insurance program is managed by Crain & Schooley Financial, one of Ontario’s largest insurance brokerage and risk management firms. They have been in the business since 1954 and have been providing service to OPA and its members since 1985.

Who underwrites the critical illness insurance program?

The Ontario Pharmacists Association’s critical illness insurance program is underwritten by Desjardins Financial Security, a member of the Desjardins-Laurentian Life Group (DLLG), a holding company which consolidates all the life and health insurance activities of the Mouvement Desjardins. As a partner in DLLG’s Group Network, Desjardins Financial Security is the seventh largest group insurer in Canada.

Who administers the program?

The program is administered by Ontario Pharmacists Association’s insurance department, which provides personal customer service dedicated to meeting your needs.

Who do I contact for more information or forms?

For more information or forms, contact:

Ontario Pharmacists Association
Phone: 416-441-0788, 1-877-341-0788 option 2
Fax: 416-441-0474
Email: Insurance

How can I obtain a quote?

Please contact:

Ontario Pharmacists Association
Phone: 416-441-0788, 1-877-341-0788 option 2
Fax: 416-441-0474
Email: Insurance

How do I apply for critical illness insurance?

Download the application for insurance, and complete the form:

  • Section 1 — complete in full 
  • Section 2 — complete 2.2, 2.3 and 2.6
  • Sections 3, 4, and 5 — complete in full
  • Section 8 —sign and return
  • Section 9 — to be retained by the proposed insured

Non-pharmacist/non-technician employees must have their application signed by the owner/sponsoring pharmacist. 

Mail the original copy of your completed application to:

Insurance Department
Ontario Pharmacists Association
155 University Avenue, Suite 600
Toronto, ON  M5H 3B7

Faxed, scanned, or photocopied applications will not be accepted. 

Do not send premium payments with your application. An invoice will be mailed with your coverage documents.

Within four weeks of receipt of all required information, OPA will be notified of the underwriting decision. The Association will mail the certificate of insurance, details of the coverage, and an invoice for the initial premium once the certificate is received from the insurer.

When does coverage take effect?

Coverage takes effect on the first day of the month following approval of your application and is fully underwritten. 

What forms of payment do you accept?

You may pay by cheque or money order, payable to the Ontario Pharmacists Association. 

How is a claim made? 

In the event that you need to make a claim, please contact us for the necessary forms. 

Ontario Pharmacists Association
Phone: 416-441-0788, 1-877-341-0788 option 2
Fax: 416-441-0474
Email: Insurance

All critical illness insurance claims are submitted to OPA directly. Mail completed claims forms to:

Ontario Pharmacists Association
Insurance Department
155 University Avenue, Suite 600
Toronto, ON  M5H 3B7

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