FAQ: Your membership renewal
FREQUENTLY ASKED QUESTIONS:
A - Account/User Information
B - Membership Renewal
- How do I renew my membership?
- How are member fees calculated?
- I am not able to pay the full amount at this time. Is there a payment plan available?
C - Membership Categories
- What is a “Non-Practising” Member?
- What is a “Retired” Member?
- I'm going on maternity leave (or other leave of absence). What member category should I choose?
D - Division Membership
E - Insurance: General
- Do I need to be a CPA member to purchase Professional Liability (malpractice) insurance with CPA?
- How do I renew my insurance?
- Which insurance option should I purchase?
- I'm a student who is graduating and I need insurance to practice. How do I purchase it?
- Do I receive a discount on my insurance if I work in the public sector?
- I recently moved and need an updated copy of my insurance certificate. What do I do?
- I would like to request a refund on my insurance.
- Who can I contact for more information about insurance?
F - Insurance: Special Circumstances
- I am planning to retire. Can I stop carrying Professional Liability Insurance?
- I am on leave of absence from the profession. Do I need to carry professional liability insurance?
- I am planning to take maternity leave. Do I need to carry professional liability insurance?
- I will need insurance later in the year. Is it pro-rated and how do I purchase it?
- What if I work at two different locations?
- I am a PTA. How do I purchase insurance?
G - Insurance: Scope of Practice/Coverage
- I already have insurance through my employer - why should I get my own?
- Does CPA's insurance cover acupuncture?
- I am also a registered yoga teacher - will my insurance cover teaching yoga classes?
CPA provides an option for monthly pre-authorized payments (PAP) to spread the cost of membership fees over the year. There is a small administration fee of $25 for this service, and please note that insurance fees will still need to be paid up front. Simply select the “monthly payments” option at the end of your renewal application to select this option.
Please select the member category that applies/applied before your leave. After the membership category selection you will be asked if you will be on leave during the year. You may indicate the expected dates of your leave to receive a 75% discount for the period you are on leave. If you are not sure of the exact dates, please use your best estimate, but note that no refunds will be afforded if actual dates are different from those provided.
If you are renewing your Clinic Professional Liability insurance, Multi-Discipline Clinic Professional Liability insurance, Commercial General Liability insurance or Clinic Business Package, you may do so once you have renewed your membership and individual professional liability insurance with CPA. These policies are administered by our broker, BMS, so please renew on their website at www.cpa.bmsgroup.com or contact them at 1 (855) 318-6136 or at firstname.lastname@example.org.
The option you buy is a personal decision based on your risk tolerance and practice circumstances. All options provide limits of $7 million/claim, $10 million/policy year. They differ in the amounts of coverage for Regulatory Legal Expense (for legal costs associated with defence of a complaint made to your provincial/territorial regulatory College) and Criminal Defence Coverage (reimbursement of defence costs associated with a case filed under the criminal code when found ‘not guilty’ of the criminal charge). Please contact BMS at 1 (855) 318-6136 or email@example.com for further advice and guidance.
For insurance effective October 1st, click on Renew Now. Select the New Grad membership category to receive your discount and purchase insurance for the full membership year (October 1 - September 30).
For insurance effective before October 1st, click on Change Membership Order from the Account Centre to upgrade to the New Grad category and purchase insurance. You will pay a pro-rated fee for membership and insurance until September 30, 2016. Once you have completed your purchase for that membership period, you may renew for the new membership year right away (at the New Grad rate) from your Account Centre by clicking on Renew Now.
- long-term care facilities
- rehabilitation centers
- home care
- services provided are funded by provincial health insurance
Yes, insured members no longer need to purchase extended reporting period (ERP) coverage to remain protected after retirement. CPA members who have been actively insured on the CPA insurance program for a minimum of two years are automatically afforded unlimited ERP protection at no additional cost.
If you are not eligible for this automatic extension, you will still be granted coverage for 365 days following the end of your policy period (at no cost) with the option to purchase ERP coverage for the desired period of time. For example, you could purchase ERP coverage for an unlimited period at a cost of $150. Please contact BMS at firstname.lastname@example.org or 1 (855) 318-6136 to purchase ERP coverage.
The professional liability policy is issued on a "claims-made and reported" basis, meaning that the policy in place at the time that the claim is reported is the policy that will respond. If you are taking a prolonged or permanent leave of absence from the profession and you have been actively insured on the CPA insurance program for a minimum of two years, you qualify for an automatic, unlimited extension of your coverage (Extended Reporting Period coverage, ERP) at no additional cost. This means that insured members will be protected against potential future claims arising from prior incidents and exposures that occurred during your past physiotherapy practice.
Most regulatory colleges will require registered members to demonstrate that they are covered with a certain amount of professional liability insurance even after they have ceased patient care. ERP coverage is suitable to demonstrate to the College that appropriate on-going coverage is in place for registrants on a prolonged or permanent leave of absence from the profession.
Note that your regulatory body requires you to have an active liability insurance policy in place to provide patient care. This means that you must have an active insurance policy in place if you choose to return to professional practice.
If you are planning to take maternity/parental leave, coverage will automatically extend for up to twelve months following the expiry of your policy. Note that you must renew your insurance and have an active policy in place before returning to practice.
This coverage provides protection against potential claims that arise while you are on maternity/parental leave and that are based on prior incidents and exposures that occurred during your past physiotherapy practice.
Note that your regulatory body requires you to have an active liability insurance policy in place to provide patient care. This means that you must have an active insurance policy in place following your maternity/parental leave and upon return to professional practice.
Yes! Insurance policies are pro-rated daily. You may add insurance at a later date by purchasing it online through your Account Centre or by contacting one of CPA’s Member Services representatives at 1 (800) 387-8679.
Employer-held insurance typically does not provide coverage for defence against complaints made to your regulatory College. Regulatory complaints make up a large part of the claims made against health professionals. If you do not have insurance coverage to respond to this type of claim, you will be left managing your defence independently and/or paying for legal defence services and any other expenses out of pocket.
Employer-held insurance also typically only covers you within the scope of practice of your employment. This means that any work you do outside of your place of employment (for example, unpaid volunteer work or casual hours at a physiotherapy clinic) will not be insured.
The CPA policy covers any activity within the scope of practice of physiotherapy. Acupuncture is within your scope of practice, so your policy would respond. Please note that CPA’s insurance does not provide coverage for Traditional Chinese Medicine (TCM) and TCM acupuncture is not within a physiotherapist’s scope of practice. If you require insurance coverage for your TCM acupuncture practice, please contact BMS at 1 (855) 318-6136 or email@example.com.
If you have purchased individual Professional Liability Insurance through the CPA, you are eligible for a yoga “rider” that you may purchase directly from our broker, BMS, by contacting firstname.lastname@example.org or 1 (855) 318-6136.