Java script has been disabled in your browser, please check if the URL in address bar is '/en/common/resources/faqs.asp' Frequently Asked Questions & Answers
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Frequently Asked Questions

Frequently Asked Questions


Joining ONPHA

Q: HOW DO I BECOME A MEMBER OF ONPHA?

A: Non-profit housing organizations of all sizes are eligible for membership. Interested candidates should contact the Ontario Non-Profit Housing Association.

Q: HOW DO I BECOME ELIGIBLE FOR PARTICIPATION IN THE ONPHA GROUP BENEFITS GROUP?

A: Participation in ONPHA’s Volume Purchasing Program is an exclusive membership privilege offered by ONPHA. All members of ONPHA are eligible to participate in ONPHA’s Employee Benefits Program. Interested members or prospective members should contact Morneau Shepell.

Q: How does a volume purchasing program work to get discounted rates?

A: Small member groups looking for insurance are grouped together under the same umbrella. Instead of applying for group coverage on your own, ONPHA’s group benefits program allows you to participate as part of a much larger group. Insurance companies give the association volume purchasing discounts. The block of business and the rates are adjusted according to the entire pool’s experience.

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Billing

For all billing inquiries, please contact Morneau Shepell.

Q: HOW AND WHEN DO PREMIUM RATES CHANGE?

A: During an annual renewal of the plan, the insurance company examines the entire pool’s demographic risk (age, gender), claims experience and other external factors such as industry trends and inflation. Insurance companies then determine the rate changes needed to support the claims in the coming year. ONPHA negotiates these renewals on your behalf to ensure that costs are as competitive as possible.

Q: WHEN ARE NOTICE OF CHANGES DUE?

A: To ensure that coverage changes (e.g., new hires, terminations, salary changes, etc...) are reflected in your next premium statement, notify Morneau Shepell, using the Group Insurance Change Form, prior to the 12th of the month.

Q: DO I NEED TO ADJUST MY PREMIUM PAYMENT TO ACCOUNT FOR MY ENROLLMENT CHANGES?

A: No. You can submit changes without adjusting the premium amount due. Your next invoice will indicate the credit or the back charges for the changes submitted.

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Eligibility

Q: WHO IS CONSIDERED AN ELIGIBLE EMPLOYEE?

A: Employees are eligible for benefits if they have met the required waiting period, are under age 65 and work at least 15 hours per week on a full-time permanent basis.

Q: WHO IS CONSIDERED AN ELIGIBLE DEPENDENT?

A: Eligible dependents include spouses (legally married or common-law partners, including same-sex partners) and children up to age 21, or age 25 if a full-time student. A student must be taking at least 10 credit hours of classroom instruction at an accredited educational institution to be considered a full-time student.

Q: IS MEDICAL APPROVAL REQUIRED IN ORDER TO JOIN THE PLAN?

A: No medical approval will be required in order to join the plan if employees sign up for coverage within 31 days of being eligible. Only Optional Life Insurance and Long Term Disability coverage over $2,780/month require medical approval.

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Travel Insurance

Q: AM I COVERED FOR EMERGENCY MEDICAL TREATMENT AWAY FROM MY PROVINCE OF RESIDENCE?

A: Yes, if you are covered under the ONPHA program’s Extended Health Care benefit insured by Green Shield Canada. The emergency medical travel assistance service provides you and your eligible dependents with 24 hour access to medical assistance in the event of an emergency.

If a medical emergency arises while traveling, notify the emergency travel medical assistance service within 48 hours following your emergency:

Canada and U.S.A. 1-800-936-6226
From other Countries 0--519-742-3556 (call collect)

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General Questions

Q: WHAT IS MORNEAU SHEPELL’S ROLE IN ALL OF THIS?

A: We are consultants who locate the best products to suit your needs as well as ensure the financial competitiveness of your programs. We are also the Third-Party Administrators (TPA) who manage and run all of the administration required of a group insurance program. We do not, however, insure the program (pay the claims) but rather work with various insurance companies on your behalf. We work with the Cooperator’s for the Life and Disability coverage, with Green Shield Canada for the Health and Dental, and with Shepell for the Employee and Family Assistance Program (EFAP).

Q: I'VE SEEN CHEAPER PLANS OT THERE FOR THE SAME BENEFITS. CAN YOU MATCH OR BETTER THE RATES? HOW DO YOU COMPARE TO OTHER PLANS OUT THERE?

A: No doubt, there can always be a cheaper plan somewhere. You really have to take a close look at the comprehensiveness of the plan and any other limitations and requirements of obtaining that coverage.  Make sure you are comparing apples to apples.

Most brokers/companies advertise rates on the best possible scenario, which may not be applicable to your group’s situation. You can sometimes see large discounts in the first year only to have your rates increase at the first renewal. You should always consider the outliers as suspicious and see if you can get extended rate guarantees beyond a year if the rates seem out of step with the rest if the marketplace. 

Call us at 1-800-297-6660 or email us at csc@morneaushepell.com and let us help you make a meaningful comparison.

DOES COVERAGE CONTINUE AFTER RETIREMENT?

A: The ONPHA benefit program does not continue after retirement.  However, Morneau Shepell offers the Next Benefits. Solved. (NBS) plan. NBS offers Health and Dental plan that retiring employees can access without having to supply medical evidence provided application is made within 60 days of retirement.  Please contact Morneau Shepell to get more information on the NBS plan.

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