FAQ: Your membership renewal

A - Account/User Information

  1. I forgot my password. What do I do?
  2. How do I access my insurance certificate?

B - Membership Renewal

  1. How do I renew my membership?
  2. How are member fees calculated?
  3. I am not able to pay the full amount at this time. Is there a payment plan available?

C - Membership Categories

  1. What is a 'Non-Practising' Member?
  2. What are the eligibility requirements to become a 'Retired' member?
  3. I will be on leave. How should I renew my membership?
  4. Who qualifies for 'New Graduate' membership?
  5. Who qualifies for 'Outside Canada' membership?
  6. Who qualifies for 'Affiliate' membership

D - Division Membership

  1. How do I join a CPA special interest/clinical practice Division

E - Insurance: General

  1. Do I need to be a CPA member to purchase Professional Liability (malpractice) insurance with CPA?
  2. How do I renew my Professional Liability insurance?
  3. Which Professional Liability insurance option should I purchase?
  4. I am a student member who will be graduating (or has recently graduated). How do I purchase insurance?
  5. Do I receive a discount on my Professional Liability insurance if I work in the public sector?
  6. I recently moved and need an updated copy of my Professional Liability insurance certificate. What do I do?
  7. I would like to request a refund on my Professional Liability insurance. 
  8. Who can I contact for more information about Professional Liability insurance?

F - Insurance: Special Circumstances

  1. I am planning to retire or permanently discontinue practice. Can I stop carrying Professional Liability Insurance?
  2. I am on a temporary leave of absence from the profession (e.g. maternity/parental leave, illness, other). Do I need to carry Professional Liability insurance?
  3. I will need insurance later in the year. Is it pro-rated and how do I purchase it?
  4. What if I work at two different locations?
  5. I am a PTA. How do I purchase insurance?
  6. I am a business owner with other professionals working for or on behalf of my business and/or billing under my business name. Do I need Professional Liability coverage to protect my business name? 

G - Insurance Scope of Practice/Coverage

  1. I already have Professional Liability insurance through my employer - why should I get my own?
  2. Does CPA's Professional Liability insurance cover acupuncture?
  3. I am also a yoga/pilates teacher - will my Professional Liability insurance cover teaching yoga/pilates classes?
 

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A - Account/User Information

1. I forgot my password. What do I do?

1.      Reset your password here.

2.      Enter your email address, then click submit.

3.      You will be sent an email with a link to reset your password.

2. How do I access my insurance certificate?

  1. Log in  to your Account Centre.

  2. Under the Insurance section, next to the insurance option listed, click on “Download Now”.
     

B - Membership Renewal

1. How do I renew my membership?

You can renew your membership online through the Account Centre.

  1. Log in to your Account Centre.

  2. Click on “Renew now”.

2. How are member fees calculated?

Membership fees vary depending on your location and membership category. This includes CPA national membership and provincial/territorial branch membership (if applicable).

Student membership is free and New Graduates receive a 50% discount.

Professional Liability insurance and Divisions are additional fees and can be added when you renew your membership.

The membership/insurance term starts October 1 and expires September 30. Membership and insurance fees are pro-rated daily but Division fees are not pro-rated.

In order to get an exact quote, please contact one of CPA's Member Services representatives at information@physiotherapy.ca or at 1-800-387-8679.

3. I am not able to pay the full amount at this time. Is there a payment plan available?

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 plus tax 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.

C - Membership Categories

1. What is considered a 'Non-Practising' member?

This membership category is for physiotherapists who are working in a research, administration, management or teaching position.

2. What are the eligibility requirements to become a 'Retired' Member?

CPA provides “Retired” membership status to individuals 55+ who have retired as a physiotherapist and have been a member of the CPA or with a WCPT member organization for a minimum of 20 years, within the past 30 years.

3. I will be on leave. How should I renew my membership?

  Members on leave will qualify for a 40% discount on membership for the leave period under the following circumstance:

  • Full member who will be, or who plans to be on maternity/paternity leave for at least 3 consecutive months of the current/upcoming membership year. (October 1, 2019 – September 30, 2020)
  • Full member on sick/disability leave for at least 3 months

Please note that no refunds will be afforded if actual dates of leave are different from those provided.

Please contact one of CPA's Member Service representatives to assist with your membership sign-up/renewal at information@physiotherapy.ca or at 1-800-387-8679.

4. Who qualifies for ‘New Graduate’ membership?

You qualify for this membership category if you have just completed an entry-level degree at a recognized Canadian university program (eligible in the first year of practice or portion thereof).

You also qualify for this membership category if you are registered for the PCE or have fully completed the credentialing process and this will be your first-time practising in Canada (eligible in the first year of practice or portion thereof).

See also ‘I am a student member who will be graduating (or has recently graduated). How do I purchase insurance?’

5. Who qualifies for ‘Outside Canada’ membership?

You qualify for the ‘Outside Canada’ membership if you are licensed to practice physiotherapy in Canada but reside outside of Canada.

6. Who qualifies for ‘Affiliate’ membership?

The ‘Affiliate membership’ is for those not eligible for one of the approved physiotherapist or assistant categories, but who support the goals and objectives of the Association.Please contact one of CPA’s Member Services representatives to join at infomation@physiotherapy.ca or at 1-800-387-8679.

D - Division Membership

1. How do I join a CPA special interest/clinical practice Division?

You may join a Division when you renew your membership online or add one on after you renew by contacting one of CPA's Member Services representatives at information@physiotherapy.ca or at (800) 387-8679.

Learn more about CPA’s Divisions.

E - Insurance: General

1. Do I need to be a CPA member to purchase professional liability (malpractice) insurance with CPA?

Yes, CPA’s Professional Liability Insurance program is available to members only.

2. How do I renew my Professional Liability insurance?

If you are a physiotherapist renewing your Professional Liability insurance you can renew your policy online at the same time you renew your membership.

If you are renewing your business insurance (e.g. Clinic Professional Liability insurance, Commercial General Liability insurance, Clinic Business Package, Employment Practices Liability insurance, and/or business Cyber Security and Privacy Liability), 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 and a unique renewal link will be emailed to you. Visit www.cpa.bmsgroup.com to apply online or contact BMS at 1 (855) 318-6136 or at cpa.insurance@bmsgroup.com.

3. Which Professional Liability insurance option should I purchase?

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 cpa.insurance@bmsgroup.com for further advice and guidance.

Learn more about CPA’s insurance options.

4. I am a student member who will be graduating (or has recently graduated). How do I purchase insurance?

Congratulations! As a New Grad you will receive a 50% discount on membership and Professional Liability insurance for your first year of practice.

Log in to your Account Centre and upgrade to the New Grad category one of the following ways:

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 Upgrade Membership 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, 2019. 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

5. Do I receive a discount on my Professional Liability insurance if I work in the public sector?

If 90% or more of your work is done in the public sector you are eligible for a 15% discount on your Professional Liability insurance.

Public sector: Services are provided in a publicly funded in-patient or out-patient environment. Public sector practice examples include physiotherapists employed by:

  • hospitals
  • long-term care facilities
  • rehabilitation centers
  • schools
  • home care settings
  • services provided are funded by provincial health insurance or are federally funded

6. I recently moved and need an updated copy of my Professional Liability insurance certificate. What do I do?

Please update your new address in your Account Centre and save the update. Then under the Insurance section of the Account Centre, next to the insurance option listed, click on “Download now” for an updated copy.

Otherwise, you may contact one of CPA's Member Services representatives at information@physiotherapy.ca or at 1-800-387-8679 to make the changes and re-send you an updated copy of your insurance certificate.

7. I would like to request a refund on my insurance. 

CPA’s Professional Liability insurance is non-refundable; we apologize for any inconvenience.

8. Who can I contact for more information about insurance?

Please direct all insurance-related questions to our broker, BMS at 1 (855) 318-6136 or cpa.insurance@bmsgroup.com.

F - Insurance: Special Circumstances

 1. I am planning to retire or permanently discontinue practice. Can I stop carrying Professional Liability Insurance?

If you have been actively insured with CPA Professional Liability insurance for a minimum of two years prior to retiring or discontinuing practice, you are automatically afforded unlimited Extended Reporting Period (ERP) protection at no additional cost.

If you’ve been insured under the program for less than two years you are automatically afforded 10 years ERP protection at no additional cost.  

This means that retiring members or those discontinuing practice will be protected against potential future claims arising from prior incidents and exposures that occurred during your past physiotherapy practice.

Please make sure to keep a copy of your most recent insurance certificate as evidence of coverage. You may access your certificate in your Account Centre online or by contacting one of CPA’s Member Services representatives at infomation@physiotherapy.ca or at 1-800-387-8679.

2. I am on a temporary leave of absence from the profession (e.g. maternity/parental leave, illness, other). Do I need to carry Professional Liability Insurance?

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  leave of absence from the profession and you have been actively insured with a CPA Professional Liability insurance policy 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. If you’ve been on the program for less than two years, you automatically receive 10 years of ERP coverage at no additional cost. 

If you've been insured under the CPA Program for less than two years, you automatically receive 10 years of ERP coverage at no additional cost.

This means that members who are on a temporary leave of absence from the profession will be protected against potential future claims arising from prior incidents and exposures that occurred during their 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 temporary leave of absence from the profession. Please check with your provincial/territorial regulatory body for specific information about insurance requirements in your jurisdiction.

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 when you choose to return to professional practice.

3. I will need Professional Liability insurance later in the year. Is it pro-rated and how do I purchase it?

Yes! Insurance policies are pro-rated daily. You may add insurance at a later date by contacting one of CPA’s Member Services representatives at information@physiotherapy.ca or at 1 (800) 387-8679.

4. What if I work at two different locations?

CPA’s professional liability insurance will cover you anywhere you practice in Canada, even if you practice in more than one location.

5. I am a PTA. How do I purchase insurance?

PTA members may purchase an insurance policy directly through our broker, BMS, online at www.cpa.bmsgroup.com or by contacting them at cpa.insurance@bmsgroup.com or 1 (855) 318-6136

6. I am a business owner with other professionals working for or on behalf of my business and/or billing under my business name. Do I need professional liability coverage to protect my business name?

Yes, you may require an additional policy beyond your individual professional liability insurance policy. Please contact BMS at 1 (855) 318-6136 or cpa.insurance@bmsgroup.com for further information, to purchase business insurance, or to discuss your specific business coverage needs. You can also apply online at www.cpa.bmsgroup.com.

G - Insurance: Scope of Practice/Coverage

1. I already have Professional Liability insurance through my employer - why should I get my own?

First, we recommend that you check with your provincial regulator as you may be required to hold your own Professional Liability insurance policy as a condition of registration.

Even if this is not the case in your jurisdiction, you may want to consider purchasing your own insurance coverage. An employer’s Professional Liability insurance policy may have a number of restrictions that limit your insurance protection. For instance, many employer insurance policies don’t include the coverage required to defend yourself against a complaint made to your regulatory College. This is the most common claim on the CPA Program.

If you work in public practice and are relying on your employer’s professional liability insurance policy, you may be left to manage your defence independently and/or pay for legal defence services and any other expenses out of pocket.

2. Does CPA's Professional Liability insurance cover acupuncture?

The CPA Professional Liability policy covers all activities within the scope of practice of a physiotherapist, including acupuncture. Please note that CPA’s Professional Liability insurance policy does not provide coverage for Traditional Chinese Medicine (TCM) and TCM acupuncture as this 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 cpa.insurance@bmsgroup.com.

3. I am also a yoga/pilates teacher - will my Professional Liability insurance cover teaching yoga/pilates classes?

If you have purchased individual Professional Liability Insurance through the CPA Program, you are eligible to purchase additional professional liability and general liability insurance to cover any yoga /pilates activities delivered outside your scope of practice as a physiotherapist, such as when teaching group classes.

You may purchase this coverage directly from our broker, BMS by contacting cpa.insurance@bmsgroup.com or 1 (855) 318-6136.