OREA annual membership fee and OWRP is $769.88 plus HST

January 15, 2024, is the payment deadline. Payment will be collected by your Home Board along with Board Membership Fees and CREA Fees.

How do I complete forms to enroll in ORWP?

Once your Home Board has reported you have paid OREA dues, you will then get a link sent to you to register through the ORWP Portal. This link will be sent approximately by January 16^th, 2024.

 
How do I pay my invoice? 

Invoices can be paid securely online with Visa or Mastercard through the direct link that has been emailed to you. You are also welcome to visit the BDAR Team in person at 676 Veterans Drive, Barrie, to pay your invoice with Debit. 

What’s included in the ORWP Standard plan?

• Prescription drugs
• Paramedical practitioners (massage, physiotherapy, chiropractic care, etc.)
• Life insurance
• Critical illness insurance*
• Out-of-country emergency medical travel insurance*
• Accidental death and dismemberment insurance
• Member Virtual Car and Mental Health Program

The OREA ORWP amount covers an extensive array of benefits, encompassing healthcare, prescription drugs, paramedical services (including massage, physiotherapy, and chiropractic care), medical services, and supplies (such as casts, hearing aids, and orthotics), and more. it also includes out-of-country emergency medical travel insurance, critical illness insurance, life insurance, accidental death and dismemberment insurance, and a member virtual care and mental health program.

For more information about the ORWP please refer to: https://www.orea.com/resources/REALTOR-Wellness-Program

How do I add family members or additional coverage to my plans?

Your Home Board will be reporting membership information to OREA. These reports allow OREA to enroll Individual Members in the Program and will generate ‘Welcome Emails’ for registration via the OREA ORWP Portal. From the ORWP Portal, you will be able to upgrade your plans.

Who are the insurers?

1. Canada Life – Life Insurance
2. AIG Canada – Critical Illness, Trave and AD&D Insurance
3. Green Shield Canada – Health Care
4. Maple – Virtual Healthcare and Member/Family Assistance Program including Headspace App for all Members

What is the ORWP Portal?

The ORWP Portal was developed as a secure means of file transfer between Member Boards, OREA and CBS.

How did ORWP pass?

The OREA Member Boards voted to proceed with the ORWP and the program will be implemented in January 2024. The motions that would have ended the ORWP were defeated 73 to 59 with 29 abstaining. Click here to watch OREA's video message about the decision. 

We understand that this result is not what some Members were hoping for, however, we want to assure you that BDAR values Member feedback, and your voice has been heard. BDAR Leadership voted in line with the Framework Analytics survey results which indicated 68% of respondents were opposed to the ORWP in its current format. See results here. Many BDAR members also completed TRREB's ORWP survey which indicated only 36.2% of overall respondents were opposed. See the TRREB survey results here. 

I am a non-consenting Member, what does that mean?

Participation in the Ontario REALTOR® Wellness Program (“ORWP” or the “Program”) is a condition of membership in OREA and the premiums/costs for the Program are paid by way of the OREA Dues. Members who do not wish to have their personal information shared will still have coverage under the ORWP provided they are up-to-date with their OREA Dues payments. Those Members will be enrolled with their unique Member Board ID only and an ORWP record will be created in the event the Member wishes to give consent later to make an insurance claim. OREA will continue to remit insurance premiums to the insurance carriers for the ORWP coverage under their unique Member ID.

I'm thinking of retiring, what are my options?

If you plan to retire after January 1^st and enrolling in the ORWP, you will have the opportunity to extend your coverage through a variety of optional retirement plans.

Option 1: Retiree Life and Accidental Death & Dismemberment Insurance

• Conditions:
• Has a minimum of 25 years as an OREA Member
• Is a Member of OREA in good-standing for a minimum of 5 consecutive years immediately prior to the date of retirement
• Submits their application for this Plan within 31 days of their retirement date or loss of ORWP coverage, whichever is later
• Is no longer an OREA Member
• Has a minimum 3 years participation in the ORWP or in a Qualifying Member Board Life Insurance Program prior to the date of retirement.
• Coverage:
• Basic life insurance: $30,000
• Accidental Death & Dismemberment Insurance (AD&D): $100,000
• Annual Fees:
• $108.00

Option 2: Retiree Health, Dental, Travel, Virtual Care and Mental Health Program

• A) Retiree Enhanced Plan
• Conditions:
• Is a Member of OREA in good-standing immediately prior to the date of retirement
• Submits their application for this Plan within 31 days of their retirement date or loss of ORWP coverage, whichever is later.
• Coverage (age 84):
• Healthcare Insurance:
• Reimbursement/co-insurance: 70%
• Prescription drugs annual maximum: $1000
• Paramedical practitioners: $750
• Vision care: $250
• Medical services and suppliers: $1000
• Accidental dental annual max: unlimited
• Ambulance annual max: unlimited
• Dental care insurance:
• Reimbursement/co-insurance: 50% basic/50%major
• Annual max: $750
• Recall: 9 months
• Units of scaling per year: 6
• Virtual healthcare and mental healthcare:
• General & health practitioner: unlimited, direct access to GPs 24/7/365
• Psychotherapy: unlimited
• Annual Fees: $1,873.92 for an individual
• B) Retiree Elite Plan
• Conditions:
• Is a Member of OREA in good-standing immediately prior to the date of retirement
• Submits their application for this Plan within 31 days of their retirement date or loss of ORWP coverage, whichever is later.
• Coverage (age 84):
• Healthcare Insurance:
• Reimbursement/co-insurance: 80%
• Prescription drugs annual maximum: $5000
• Paramedical practitioners: $1250
• Vision care: $400
• Medical services and suppliers: $2500
• Accidental dental annual max: unlimited
• Ambulance annual max: unlimited
• Dental care insurance:
• Reimbursement/co-insurance: 80% basic/50%major
• Annual max: $1000
• Recall: 9 months
• Units of scaling per year: 6
• Virtual healthcare and mental healthcare:
• General & health practitioner: unlimited, direct access to GPs 24/7/365
• Psychotherapy: unlimited
• Annual Fees: $3,123.84 for an individual

Additional resources:

ORWP Retirement Program Summary 
ORWP Standard Plan Summary 
More information and other FAQs can be found here