Long Term Disability Insurance

Long term disability insurance is an essential part of a solid financial plan. It protects you and your loved ones from the financial hardship that can arise if you are unable to work due to disability as a result of sickness 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. 

Why should I choose long term disability insurance from the Ontario Pharmacists Association?

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 enjoy an extremely well-managed, cost-effective plan, which helps our members obtain the most robust insurance 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 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.

How does long term disability insurance protect me?

Long term disability insurance helps protect you and your family from the devastating financial hardship that can result from loss of employment income. 

What are the benefits of Long Term Disability insurance?

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Who is eligible for this insurance?

The Ontario Pharmacists Association’s long term disability insurance coverage is available to:

  • members under age 65 who work a minimum of 20 hours a week on a regular full-time basis
  • members’ non-pharmacist/non-technician employees who are under age 65 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 long term disability insurance program?

The Ontario Pharmacists Association’s long term disability insurance 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 long term disability insurance?

The Ontario Pharmacists Association’s long term disability insurance is underwritten by Manufacturers Life Insurance Company

Who administers the program?

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

Who oversees the program?

The program is overseen by the Ontario Pharmacists Association's insurance committee.

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

Long Term Disability Brochure

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 OPA long term disability insurance?

Download the application for insurance, and complete the form:

  • Section 1 — complete in full 
  • Section 2 — complete, 2.3 and 2.7
  • Sections 3, 4, 5 and 6 — 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 premiums 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 long term disability insurance claims are submitted to:

Manulife Financial
Affinity Claims Department
PO Box 4213 Station A
Toronto, ON  M5W 5M3

Application form 

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Bulletins

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