• It’s important to understand that all OREA Members are enrolled in the ORWP. Questionnaires and medical exams are not required for enrollment. If you’re a Member, you’re enrolled.
• The Program includes Life Insurance, Critical Illness, Accidental Death & Dismemberment Insurance, healthcare including prescription drugs, paramedical practitioners, medical services and supplies, along with Out-of-Country Emergency Medical Travel Insurance, and a Member Virtual Care and Mental Health Program, all as part of the Standard Plan.

Here’s a summary of coverage details of the ORWP Standard Plan.

• All existing OREA Members are enrolled in the Program as of January 1, 2024, and thereafter, whenever a new REALTOR^® joins the Member Board/Association and OREA.
• Unlike the vast majority of private plans, questionnaires and medical exams are not required for enrollment. If you are an OREA Member in good standing, you are enrolled in the ORWP.
• The Program Administrator, CBS, has informed us that there are some provisions within the Critical Illness Insurance and Emergency Out-of-Country Travel Insurance policies related to pre-existing conditions that may limit the eligibility for coverage and the payment of claims in certain situations.
• The Program Administrator, CBS, has advised that with respect to Critical Illness insurance coverage, the ORWP Standard Plan will not cover an Illness that was diagnosed prior to the coverage effective date, nor will it provide coverage for any illness for which the existence of symptoms which would cause an ordinarily prudent person to seek diagnosis, care or treatment within a 12-month period preceding the Insured Person’s Effective Date, or an illness or condition for which the Insured Person, during 12 months prior to the Effective Date of their coverage incurred medical expenses, received medical treatment, took prescribed drugs or medicine or consulted a Medical Doctor. The insurance company will assess whether an illness is covered at the time of claim.
• The Program Administrator, CBS, has advised that Out-of-Country Emergency Medical Travel Insurance does not provide coverage for any treatment, investigation or surgery for a specific condition, which had caused a physician to advise you not to travel; any sickness or Injury that, at the time of departure, might reasonably be expected to require you to undergo treatment, investigation, surgery or hospitalization; or a medical condition that had deteriorated, or had to be treated or investigated in the 90 days immediately preceding your departure from the province or territory of residence.

• Yes, President Artenosi recorded a video message, which you can find here

• The Standard Plan provides Members with $750 worth of combined coverage per calendar year for: Acupuncture, Chiropractor, Registered Dietician, Homeopath, Registered Massage Therapist, Naturopath, Osteopath, Physiotherapist, Chiropodist/Podiatrist, Psychologist, Psychotherapist, and Social Worker. Individual “reasonable and customary” maximums may apply.

• The 26 conditions covered by Critical Illness are:
• Aortic Surgery, Aplastic Anemia, Benign Brain Tumour, Blindness, Coma, Deafness, Dementia including Alzheimer’s Disease, Heart Attack (Acute Myocardial Infarction), Heart Valve Replacement or Repair, Kidney Failure, Life-Threatening Cancer, Loss of Independent Existence, Loss of Limbs, Loss of Speech, Major Organ Failure on a Waiting List, Major Organ Transplant, Motor Neuron Disease, Multiple Sclerosis, Occupational HIV Infection, Parkinson,s Disease and Specified Atypical Parkinsonian Disorders, Quadriplegia/Paraplegia/Hemiplegia, Severe Burn, and Stroke (Cerebrovascular Accident).
• The Program Administrator, CBS, has advised that with respect to Critical Illness Insurance coverage, the ORWP Standard Plan will not cover an Illness that was diagnosed prior to the coverage effective date, nor will it provide coverage for any illness for which the existence of symptoms which would cause an ordinarily prudent person to seek diagnosis, care or treatment within a 12-month period preceding the Insured Person’s Effective Date, or an illness or condition for which the Insured Person, during 12 months prior to the Effective Date of their coverage incurred medical expenses, received medical treatment, took prescribed drugs or medicine or consulted a Medical Doctor.
• The insurance company will assess whether an illness is covered at the time of claim.

• Members have $500 worth of combined coverage per calendar year for: private duty nursing, hearing aids, orthopaedic shoes, orthotics, mobility equipment, manual hospital beds, respiratory and oxygen equipment, oxygen, non-dental external prosthesis, braces, ostomy, and incontinence supplies, medicated dressing and burn garments, surgical brassieres, wigs and hairpieces for temporary hair loss due to medical treatment, and surgical stockings. Individual “reasonable and customary” maximums may apply. Additional documentation and medical prescriptions may be required.

• Out-of-Country Emergency Medical Travel Insurance provides extensive coverage for unforeseen and unexpected medical services rendered outside of Canada.
• The Program Administrator, CBS, has advised that Out-of-Country Emergency Medical Travel Insurance does not provide coverage for any treatment, investigation or surgery for a specific condition, which had caused a physician to advise you not to travel; any sickness or Injury that, at the time of departure, might reasonably be expected to require you to undergo treatment, investigation, surgery or hospitalization; or a medical condition that had deteriorated, or had to be treated or investigated in the 90 days immediately preceding your departure from the province or territory of residence.

• The ORWP Standard Plan includes out-of-country/province emergency medical coverage for you (the Member) for trips with a maximum duration of 30 days per trip, with a $2,000,000 lifetime maximum. The Enhanced, Elite, and Super Elite Plans include coverage with a maximum trip duration of 60 days per trip. The travel insurance terminates at age 80.
• The travel insurance is effective January 1, 2024, and will only cover trips with a departure date on or after January 1, 2024. Trips which began before this date are not eligible for coverage. We do not offer any top-up plans for travel coverage at this time.
• If you are leaving for a trip on or after January 1, 2024, but before you complete your online enrollment in the ORWP, you will need to complete the pre-enrollment process to access your travel insurance card. Please email programadministrator@orwp.ca for additional information where applicable. You will need to complete a pre-enrollment form and provide proof of payment of your Membership dues prior to receiving a card.

• The REALTOR^® Wellness Task Force chose to not include dental and vision in the Standard Plan in order to keep the premium as low as possible.
• However, dental and vision coverage are included in the optional Plans.

• The Member Virtual Care and Mental Health Program will make finding help easier. The Program delivers whole-person care and a personalized approach to Members’ mental wellbeing.
• Members can access services by self-selecting a therapist or social worker based on their needs and availability, often in under 12 hours, which is the fastest access across the industry.
• Members can continue to see the same therapist to help support them through their mental health journey.
• There are also resources available to support proactive wellness, customized to Members’ needs.
• The Standard Plan will also provide Members with $750 per calendar year to go toward prescription drugs.

• Yes, the travel insurance provides Members with Out-of-Province and Out-of-Country Emergency Medical Travel Insurance for trips up to 30 consecutive days, until age 80, with a $2,000,000 lifetime maximum.
• Members are provided with the option to enhance their coverage at a later date, which will include coverage for trips of more than 30 days.

• For healthcare alone, which includes prescription drugs capped at $750, paramedical practitioners capped at $750, and medical supplies capped at $500, this coverage is worth $2,000. This amount does not include benefits covered under the accident dental and ambulance coverage.
• Yet, Members will only be charged $659.88.
• In addition, there is Life Insurance, Accidental Death and Dismemberment Insurance, Critical Illness Insurance, Out-of-Country Emergency Medical Travel Insurance, and a Member Virtual Care and Mental Health Program, which are all valuable benefits.

• The ORWP is a custom plan which was developed with the Program Administrator, CBS, to be a group program, which means participation in the program is a condition of membership.
• While there is no “direct comparison” per se, there are plans in the marketplace that provide similar coverage to individuals and are available on a voluntary basis.
• If a Member sought out comparable healthcare coverage (prescriptions, paramedical practitioners, medical services and supplies, etc.) on their own from another provider, it would cost $1,000 per year for a 40-year-old Member, $1,100 for a 50-year-old, $1,400 for 60- and 70-year-olds, and $1,800 for an 80-year-old¹.

¹SOURCES – MANULIFE

• Yes, Members are able to customize their coverage to meet the specific needs of their families. There are a variety of options that allow them to add dental care, vision care, life insurance, and more, all at competitive pricing.
• Members interested in enhancing their Standard Plan coverage can do so during the pre-approved enrollment period, from January 1, 2024, to February 29, 2024. Following this period, Members cannot adjust their coverage levels until the next enrollment period in 2025.

If you have Life Insurance and healthcare coverage through the ORWP Standard Plan and decide to end your OREA membership or retire without enrolling in the ORWP Retirement plan, you may consider the following coverage conversion privileges without providing medical evidence:

• Transition your Life Insurance with Canada Life to an individual plan, within 31 days of your ORWP insurance terminating or reducing. The forms required to transition your Life Insurance plan can be found here.
• Choose one of the three “Guaranteed Acceptance” individual healthcare plans provided by Green Shield Canada, within 90 days of your ORWP insurance termination. Click here to learn more about each plan and to compare their benefits. Please note that coverage may differ from ORWP Plans.
• Please reach out to ProgramAdministrator@orwp.ca if you have any questions.

• Eligible Members under age 65 will be covered for $100,000 of Life Insurance. The coverage continues past age 65 at $50,000 and remains at that level until retirement, no matter what age that happens.
• Eligible Members under age 65 will be covered for $25,000 of Critical Insurance. The coverage continues from age 65 to 70 at $12,500. At age 70, their coverage terminates.
• Eligible Members under age 80 will be covered for trips up to 30 consecutive days with a $2,000,000 lifetime maximum through the Out-of-Country Emergency Medical Travel Insurance. At age 80, their coverage terminates.
• Coverage for all other benefits (Healthcare, Accidental Death and Dismemberment, and the Member Virtual Care and Mental Health Program) continues for all eligible Members without any reduction or termination due to age.

• The ORWP should be viewed in its entirety. Life insurance is only part of the plan. There are many elements of the coverage that are of practical use to Members, such as Critical Illness Insurance, Out-of-Country Emergency Medical Travel Insurance, and healthcare (prescriptions, paramedical practitioners, medical services and supplies, etc.)
• We’re all one stroke of bad luck away from our lives being turned upside down.
• Assistance during trying times to cover unexpected challenges, such as funeral costs, support for family members, and covering debts, will be beneficial.

• Emergency medical travel is typically included with upgraded fee-based credit cards, with annual fees that can range from $120 - $699. The Out-of-Country Emergency Medical Travel Insurance through the ORWP is more comprehensive.
• With credit cards, the trip durations are limited, commonly ranging from 15 to 25 days, and most either exclude coverage from those aged 65 or older or limit the duration to 3 days.
• For example, a credit card from a large Canadian institution that offers travel insurance doesn’t cover those aged 65+, but those clients can purchase an optional 31-day plan for an annual fee of $249 for ages 65-69, or $349 for those aged 70-74.
• The ORWP covers Members under 80 years of age, and it doesn’t require purchases to be made with a particular credit card for the coverage to apply.

• Yes.
• The Program took effect on January 1, 2024, with an option for REALTOR^® family members, Board/Association staff, and Brokerage staff to join the Program at an additional cost to be paid directly to the insurance carriers and managed by Comprehensive Benefit Solutions.

• The ORWP provides additional options for Members looking for enhanced coverage at their own expense, the Enhanced, Elite, and Super Elite plans.
• These plans include coverage options for dental and vision, in addition to increased coverage for other components included in the Standard Plan.
• For more information and details, view the Optional Plan (Member login required).

• Effective January 1, 2024, participation in the ORWP’s Standard Plan is a benefit of OREA membership, supported by OREA Member Dues.
• The optional plans are available on a voluntary basis for those wishing to upgrade their coverage.
• There is an additional cost for the optional plans that is not included within OREA Dues and is paid directly to the Program Administrator, CBS, who will remit it to the insurance carrier(s) on your behalf.

• The ORWP launched on January 1, 2024. There is a predetermined enrollment period for the optional plans.
• Members interested in enhancing their Standard Plan coverage can do so during the pre-approved enrollment period, from January 1, 2024, to February 29, 2024. Following this period, Members cannot adjust their coverage levels until the next enrollment period in 2025.
• Any new Member in 2024 will have 31 days from their date of new membership to enhance their coverage.
• A Member who experiences an insurer-approved life event, such as birth, death, marriage, or divorce, has 31 days to terminate or obtain coverage following the event.

• No medical tests or health questionnaires are required.
• The ORWP launched on January 1, 2024. There is a predetermined enrollment period for the optional plans.
• Members interested in enhancing their Standard Plan coverage can do so during the pre-approved enrollment period, from January 1, 2024, to February 29, 2024. Following this period, Members cannot adjust their coverage levels until the next enrollment period in 2025.
• Any new Member in 2024 will have 31 days from their date of new membership to enhance their coverage.
• A Member who experiences an insurer-approved life event, such as birth, death, marriage, or divorce, has 31 days to terminate or obtain coverage following the event.

• Premiums associated with any optional coverage (enhanced coverage for Members, Dependent coverage) are billed and paid monthly by Members directly to the Program Administrator, CBS. A one-month deposit premium may be required for some optional plans.

• There are benefits in the Standard Plan – such as Life Insurance, Critical Illness Insurance, and Out-of-Country Emergency Medical Travel Insurance – that are subject to age limitations. For more information, view the Standard Plan details. Member login will be required.
• Enhanced options for healthcare, dental, and vision (Enhanced, Elite, and Super Elite) are not subject to age restrictions.
• The Optional Life, AD&D, and Critical Illness plans will have age limitations, which will be clearly stated at time of enrollment.

• As is common in the insurance industry, there are some exclusions.
• The Program Administrator, CBS, has informed us that there are some provisions within the Critical Illness Insurance and Out-of-Country Emergency Medical Travel Insurance policies related to pre-existing conditions that may limit the eligibility for coverage and the payment of claims in certain situations.
• The Program Administrator, CBS, has advised that with respect to Critical Illness insurance coverage, the ORWP will not cover an Illness that was diagnosed prior to the coverage effective date, nor will it provide coverage for any illness for which the existence of symptoms which would cause an ordinarily prudent person to seek diagnosis, care or treatment within a 12-month period preceding the Insured Person’s Effective Date, or an illness or condition for which the Insured Person, during 12 months prior to the Effective Date of their coverage incurred medical expenses, received medical treatment, took prescribed drugs or medicine or consulted a Medical Doctor. The insurance company will assess whether an illness is covered at the time of claims.
• The Program Administrator, CBS, has advised that Out-of-Country Emergency Medical Travel Insurance does not provide coverage for any treatment, investigation or surgery for a specific condition, which had caused a physician to advise you not to travel; any sickness or Injury that, at the time of departure, might reasonably be expected to require you to undergo treatment, investigation, surgery or hospitalization; or a medical condition that had deteriorated, or had to be treated or investigated in the 90 days immediately preceding your departure from the province or territory of residence.

• Payment is coordinated through our Program Administrator, CBS.

• Members interested in enhancing their Standard Plan coverage can do so during the pre-approved enrollment period, from January 1, 2024, to February 29, 2024.
• It is strongly recommended that Members select their preferred optional coverage during the initial enrollment period (January 1, 2024, to February 29, 2024).
• Members will have the opportunity to enhance or reduce their coverage during predetermined annual enrollment periods thereafter.
• Movement between plans will be limited and subject to the ORWP Plan Rules, which will be communicated prior to enrollment.
• New Members joining the plan after January 1, 2024, will have 31 days from their date of new membership to enhance their coverage.
• A Member who experiences an insurer-approved life event, such as birth, death, marriage, or divorce, has 31 days to terminate or obtain coverage following the event.

• Yes, any Member Board may elect to offer the ORWP to staff. If they do so, all eligible staff must enroll in the core Standard Plan.
• Permanent staff members working a minimum of 20 hours per week are eligible for the ORWP. Independent contractors are not eligible to participate in the ORWP. There must be an employer-employee relationship for eligibility in the ORWP.
• Staff will pay the same rate as Members for the Standard Plan and will have options to Enhance their plan, adding coverage for things like dental and vision. They can also add dependents.
• The Member Board will receive a bill on a monthly basis and be responsible for the payment of all premiums billed for the Standard Plan. Staff who wish to enhance their coverage or add dependents will be billed directly for the additional cost.

• Yes, any Broker of Record may elect to offer the ORWP to their brokerage staff. If they do so, all eligible staff must enroll in the core Standard Plan.
• Permanent staff members working a minimum of 20 hours per week are eligible for the ORWP. Independent contractors are not eligible to participate in the ORWP. There must be an employer-employee relationship for eligibility in the ORWP.
• Brokerage staff will pay the same rate as Members for the Standard Plan.
• Staff will have the options to enhance their plan, adding coverage for things like dental and vision. They can also add dependents.
• The Broker of Record will receive a bill on a monthly basis and be responsible for the payment of all premiums billed for the Standard Plan. Staff who wish to enhance their coverage or add dependents will be billed directly for the additional cost.

• Members have a few optional Retirement Plans available through the ORWP.
• Eligible Members can either enroll in Option One, Option Two, or enroll in both Options One and Two.
• Option One: Retiree Life and Accidental Death & Dismemberment Insurance
• $30,000 in Life Insurance and $100,000 in AD&D Insurance.
• This plan costs $108.00 per year, with no termination age.
• Option Two: Retiree Health, Dental, Travel, Virtual Care and Mental Health Program
• A. Retiree Enhanced Plan
• Healthcare: 70% reimbursement
• Prescription Drugs: $1,000 annually
• Paramedical Practitioners: $750 combined annually
• Medical Services and Supplies: $1,000 combined annually
• Vision Care: $250
• Accidental Dental: unlimited
• Ambulance: unlimited
• Dental Care: 50% Basic and 50% Major reimbursement $750 combined annually
• Member Virtual Care and Mental Health Program
• Unlimited, direct access to General Practitioners 24/7/365
• Unlimited psychotherapy
• Out-of-Country Emergency Medical Travel Insurance
• Lifetime maximum: $2,000,000
• Maximum number of days per trip: 30
• Available for as little as $134.31 per month.
• B. Retiree Elite Plan
• Healthcare: 80% reimbursement
• Prescription Drugs: $5,000 annually
• Paramedical Practitioners: $1,250 combined annually
• Medical Services and Supplies: $2,500 combined annually
• Vision Care: $400
• Accidental Dental: unlimited
• Ambulance: unlimited
• Dental Care: 80% Basic and 50% Major reimbursement $1,000 combined annually
• Member Virtual Care and Mental Health Program
• Unlimited, direct access to General Practitioners 24/7/365
• Unlimited psychotherapy
• Out-of-Country Emergency Medical Travel Insurance
• Lifetime maximum: $2,000,000
• Maximum number of days per trip: 30
• Available for as little as $238.47 per month.
• Members also have the option to add eligible dependents to either of the Option Two Plans for an additional cost.

• REALTORS^® who retire after January 1st, 2024, can enroll in optional ORWP Retirement Plans.
• To qualify for the ORWP Retiree Life and Accidental Death and Dismemberment (AD&D) Insurance, a retiring Member must:
• Have a minimum of 25 years as an OREA Member.
• Be a Member of OREA in good-standing for a minimum of 5 consecutive years immediately prior to the date of retirement.
• Apply for retiree Life and AD&D benefits within 31 days of their retirement date or loss of ORWP coverage, whichever is later.
• No longer be an OREA Member.
• Have a minimum of three years of participation in the ORWP OR in a qualifying Member Board Life Insurance Program prior to the date of retirement.
• To qualify for the ORWP Retiree Enhanced Plan or Retiree Elite Plan, a retiring Member must:
• Be covered under the ORWP at the time of retirement.
• Apply within 31 days of their retirement date or loss of ORWP coverage, whichever is later.

• Yes, the Retirement Plans are optional. Eligible Members can choose the plans best suited to their evolving needs.
• If Members don’t apply within 31 days of retirement or loss of ORWP coverage (whichever is later), their enrollment window will close, and they won’t be able to join the Program again at any time in the future.