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).

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.

• You’ll be asked to create an account using your email address and a secure password. To validate your identity, you will also need to enter your ORWP Certificate Number, Client Number, and Date of Birth, which are all supplied in your Welcome Email.
• Click the REGISTER NOW button to receive a link to validate your registration.
• Log in to the CBS Member Portal with your newly created account.

Step 3: Complete your enrollment in the ORWP through the CBS Member Portal.

• Once logged in, navigate through the enrollment tool carefully, validate your personal information, and complete your beneficiary designation. If you choose, add your eligible dependent(s) and/or upgrade your coverage elections.
• Once you have completed your registration on the CBS Member Portal, CBS will forward your information to the ORWP insurance providers. You will receive a separate email from the healthcare insurance provider, GreenShield, with instructions in approximately 3 business days on how to register for their secure member site where you can submit your eligible healthcare claims.
• If you have any questions, you can reach out to CBS at ProgramAdministrator@orwp.ca or 1-800-503-2273.

Step 4: Register for your GreenShield+ account for healthcare claims.

• Follow the instructions in the registration email from GreenShield to register and login to GreenShield+. For further assistance, you can contact GreenShield at 1-888-525-7587.

Step 5: Create an account for Maple and AIG valuable Member services.

• At this time, you may also create an account for the Maple virtual healthcare services to access support when you need it, and gain access to AIG’s travel assistance website and download their travel assistance app. Detailed instructions to access both services can be found on the CBS Member Portal.

How to Register (PDF)→

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.

ORWP Standard Plan (PDF)→

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.

ORWP Additional Coverage Plans (PDF) →

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.

ORWP Family Plan (PDF)→

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.

• Option 1: Retiree Life and Accidental Death & Dismemberment Insurance
• Option 2: Retiree Health, Dental, Travel, Virtual Care and Mental Health Program
• A) Retiree Enhanced Plan
• B) Retiree Elite Plan

ORWP Retirement Plans (PDF)→

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.

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.

ORWP Brokerage Staff Plans (PDF)→

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:

• They are subject to an exclusivity requirement by legal agreement, contract, and/or policy to participate in only one insurance plan; and/or
• Benefit coverage in effect immediately prior to their ORWP effective date, for which the OREA Member is insured which offers better benefits than the Ontario REALTOR^® Wellness Plan (ORWP) will be terminated in the event the OREA Member becomes insured under the ORWP; and/or
• Immediately prior to their ORWP effective date, previously approved financial assistance through a Government Plan, Government Agency, and/or pharmaceutical patient support program will terminate if they are insured under the ORWP.

The full process and policy can be accessed from the link below. Member login will be required.

ORWP Accommodation Process and Policy (PDF)→

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.