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Plan Details
The Ontario REALTOR® Wellness Program (ORWP) is a benefit available to all Ontario REALTORS®.
Please note that the Open Enrollment Period closed on March 29. The next opportunity to enhance coverage is January 2025.
*Exclusions applied to new OREA Members and Members with life events, both within 31 days of eligibility.
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Please note, enhancements to coverage can only be made during an Open Enrollment Period, unless you fall under one of the exceptions noted below.
As the 2024 Open Enrollment Period was January 1, 2024, to March 29, 2024, the next opportunity to move up or down a coverage level is in January 2025.
There are two exceptions:
1. New OREA Members: Members who join OREA in 2024 will have 31 days from the date their CBS Welcome Email is sent to enhance coverage beyond the Standard Plan.
2. Life Event: A Member may terminate or obtain coverage for an eligible dependent within 31 days of the insurer-approved life event (birth, death, marriage, divorce).
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As of January 1, 2024, all OREA Members who are up to date on their Dues payments are automatically enrolled in the ORWP’s Standard Plan.
ORWP Program Administrator, Comprehensive Benefit Solutions (CBS) send each new Member a Welcome Email upon payment of OREA Dues and the Member Boards submitting information.
New Members who have joined OREA in 2024 will have 31 days from the date their CBS Welcome Email is sent to enhance coverage beyond the Standard Plan.
If you have questions or require assistance, please contact CBS by phone at 905-896-2074 or 1-855-335-3070, or by email at ProgramAdministrator@orwp.ca.
How To Register
Step 1: Once you pay your OREA Dues and your Member Board sends in your information, you will receive a Welcome Email from CBS explaining how to create an account with them.
Step 2: Follow the instructions to create your account for the CBS Member Portal.
Step 3: Complete your enrollment in the ORWP through the CBS Member Portal.
Step 4: Register for your GreenShield+ account for healthcare claims.
Step 5: Create an account for Maple and AIG valuable Member services.
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As of January 1, 2024, all OREA Members who are up to date on their Dues payments are automatically enrolled in the ORWP’s Standard Plan.
The Standard Plan includes Life Insurance, Critical Illness Insurance*, Accidental Death & Dismemberment Insurance, healthcare including prescription drugs, paramedical practitioners (massage therapy, chiropractic care, etc.), medical services and supplies (cast, orthotics, etc.), accidental dental, and ambulance, along with Out-of-Country Emergency Medical Travel Insurance*, and a Member Virtual Care and Mental Health Program.
*Please see FAQ for additional details and provisions.
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Please note that as the Open Enrollment Period is closed, Members cannot enhance their coverage until January 2025. *Exclusions applied to new OREA Members and Members with life events, both within 31 days of eligibility.
The optional additional coverage plans – Enhanced, Elite, and Super Elite – include options for dental and vision coverage, in addition to increased top-up coverage for other components included in the Standard Plan.
There are also two Standard Plan enhancement options for Life and Accidental Death & Dismemberment Insurance, and an enhancement option for Critical Illness Insurance.
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Please note that as the Open Enrollment Period is closed, Members cannot enroll eligible family members in the ORWP until January 2025. *Exclusions applied to new OREA Members and Members with life events, both within 31 days of eligibility.
REALTORS® can enroll their family members and dependants in the ORWP. They also do not require any questionnaires or medical tests to enroll.
There is an option for Life Insurance and Accidental Death & Dismemberment Insurance, and/or Critical Illness Insurance. An additional optional plan includes healthcare, dental care, and Travel Insurance.
The Member and eligible dependents must be enrolled under the same plan option.
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OREA Members who retire after January 1, 2024, can extend their ORWP coverage through a variety of optional Retirement Plans.
There is a Life Insurance and Accidental Death & Dismemberment Insurance (AD&D) Plan, in addition to the Retiree Enhanced Plan or Retiree Elite Plan that offer coverage for health, drugs, dental, vision, virtual care, and mental health.
Grandfathered Member Board Retirement Programs
Members who were enrolled in a Retirement Life Insurance Program through the Windsor-Essex County Association of REALTORS®, Durham Region Association of REALTORS®, and Toronto Regional Real Estate Board had their coverage grandfathered into the ORWP, effective January 1, 2024.
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Please note that as the Open Enrollment Period is closed, staff can not enroll in the ORWP until January 2025. *Exclusions applied to new OREA Members and Members with life events, both within 31 days of eligibility.
Member Boards and Brokers of Record/Manager Members can elect to offer the ORWP to their staff.
If Member Boards or Brokers of Record offer the ORWP to their teams, all eligible office staff can have the opportunity to enroll in the core Standard Plan.
Permanent staff members working a minimum of 20 hours per week are eligible for the ORWP. They pay the same rate as Members for the Standard Plan, at $659.88 per year. Staff have the same ability as Members to enhance their plan, adding coverage for things like dental and vision, at the same rate as Members. They can also add dependents on the same terms as Members.
The Member Board and brokerage office receive a bill from ORWP Program Administrator, Comprehensive Benefit Solutions (CBS) on a monthly basis and are responsible for the payment of all premiums billed for the Standard Plan.
Staff who enhance their coverage or add dependents are billed directly by CBS for the additional cost.
For questions about these plans, please email CBS’ Megan Millar at mmillar@compben.com.
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A Request for Accommodation process is available for OREA Members who are at risk of losing existing benefits coverage which are better than offered by the ORWP.
We understand that, in some cases, OREA Members with existing coverage could lose benefits because of a clause in their current plan which provides they can only participate in one benefits plan.
Each request for accommodation is reviewed on a case-by-case basis.
The Member must be able to prove:
The full process and policy can be accessed from the link below. Member login will be required.
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The ORWP Flexible Option is available for Members with existing healthcare coverage who don’t want the ORWP to impact their claiming process. At the same cost, the alternative “flexible choice” healthcare option, Standard Plan 2, will not need to be claimed to Members’ existing coverage and will be available for Members interested in healthcare services, support programs, and discounts to supplement their existing coverage. Further detail will be provided to Members by CBS in the Welcome Email and on the Member Portal.
If you have any questions about this option, please reach out to CBS at ProgramAdministrator@orwp.ca or 1-800-503-2273.
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