GROUP BENEFITS FOR PART-TIME OR CASUAL HOSPITAL EMPLOYEES & RETIREES

Are you a part-time, casual, or retired hospital employee in need of health care benefits? We have a plan for you. Get the coverage and protection you and your family need. We provide benefits that work full time for those who don’t.

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Why Choose HCP?

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PACKAGES & PLANS

HCP offers GUARANTEED coverage, with no medical questions asked, to all eligible enrollees regardless of age, time of application, employment at an endorsing hospital or medical history.

SIGNATURE

eligibility

For employees who are under 65 in a permanent position, working more than 18 hours per week with health and dental coverage through another group plan.

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SUPREME

ELIGIBILITY

For employees who are under 65 in a permanent position, working more than 18 hours per week but aren’t covered by another group plan.

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STANDARD

ELIGIBILITY

For employees of any age who work less than 18 hours per week and hospital retirees.

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GUARANTEED COVERAGE

HCP offers GUARANTEED coverage, with no medical questions asked, to all eligible enrollees regardless of age, time of application, employment at an endorsing hospital or medical history.

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ENDORSING HOSPITALS

Each plan member is eligible for only one plan at any given time. Enrollees are required to select the package that corresponds  to his or her average number of hours worked per week or his or her age. Employees must be actively at work in order to enroll.

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PARTNERS & ASSOCIATES

WHO WE ARE

Many hospital employees are paid in lieu of benefits but lack options for a competitive health and dental plan. After identifying a need in the industry, the Health Care Providers Group Insurance Plan came to fruition. Launched in 1997 at the Oshawa General Hospital (now Lakeridge Health Oshawa), HCP has grown to include over 90 hospital systems in the province of Ontario. Endorsing sites range from hospitals like Lady Dunn in Wawa to Sunnybrook and Mount Sinai in Toronto.

Recently, we expanded our network and are proud to report that HCP is now available from coast to coast.

HOSPITAL VISITS

Our next hospital visit may be yours! Find out when we’ll be at your hospital next 


We’d love to meet more people face-to-face.

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THE LATEST FROM HCP

Visit our resources centre for the latest news and helpful information from HCP.

November 12, 2024
In the ever-changing landscape of healthcare, professionals face unique challenges that can impact their ability to work. As a healthcare worker, you play a vital role in ensuring that hospitals run smoothly and that patients receive the care they need, but have you considered what would happen if you could no longer fulfill your role due to a disability? This is where Long-Term Disability coverage becomes essential. According to Statistics Canada, the rate of disability in Canada increased from 2017 to 2022. New findings from the 2022 Canadian Survey on Disability (CSD) showed that 27% of Canadians aged 15 years and older, or 8.0 million people, had one or more disabilities that limited them in their daily activities. By comparison, 22% of Canadians, or 6.2 million people, had one or more disabilities in 2017. [1] What is Long-Term Disability Insurance? Long-Term Disability insurance provides financial support when you are unable to work due to a serious illness or injury. Unlike Short-Term Disability coverage, which typically covers a limited timeframe, LTD benefits can last for years, often until retirement age. This means that in the event of an unexpected health crisis, you can focus on recovery rather than worrying about your financial stability. Why is LTD Coverage Important for Part-Time and Casual Hospital Employees? Increased risk of financial instability: Part-time and casual workers often rely on multiple income streams. If an unexpected health issue arises, being unable to work even one of those jobs can create significant financial strain. LTD insurance can help bridge this gap, providing steady income during tough times. Inherent risks of the profession: Healthcare professionals often face physical demands that can leads to injuries. Things like lifting patients, long hours on your feet, and exposure to various health risks are all part of the job. A back injury or chronic condition can leave you vulnerable to perform essential functions, making LTD coverage crucial. Limited employer benefits: Many part-time and casual positions may not offer comprehensive benefits packages. While full-time employees often have access to health insurance, retirement plans, and disability coverage, part-time staff may not have these protections. Investing in your own LTD coverage can help fill this void. Choosing the Right Coverage When considering Long-Term Disability insurance, it’s important to consider your options carefully. Here are some factors to keep in mind: Understand your employer’s offerings: Check if your hospital offers group LTD plans. Sometimes, part-time employees may qualify for certain benefits, so it’s worth exploring. Evaluate coverage amount: Look for a policy that will replace a significant portion of your income – ideally around 60-70% - to help you maintain your standard of living. Consider the elimination period : This is the time you must wait before benefits kick in. Shorter periods may come with higher premiums but can provide quicker financial relief.  Check the definition of Disability: Policies can differ in how they define disability. Make sure you understand whether the policy covers partial disabilities or if you must be entirely unable to work. Long-Term Disability coverage is an important safety net for part-time and casual hospital employees. In a profession marked by unpredictability and physical demands, having this protection can make a significant difference in your financial security and peace of mind. Investing in LTD insurance is not just about protecting your income; it’s about ensuring that you can continue to care for yourself and those around you without the added burden of financial stress. Health Care Providers Group Insurance Plan has options that can make a significant difference. With HCP’s Signature Package or Supreme Package, eligible part-time and casual employees have access to LTD coverage of $1000 per month in addition to Life Insurance ($10,000) and Accidental Death, Disease & Dismemberment Insurance ($25,000). Don’t wait for the unexpected - visit healthcareproviders.ca or call 1-866-768-1477 to explore your options and secure your future today. [1] https://www.statcan.gc.ca/o1/en/plus/5980-disability-rate-canada-increased-2022
October 7, 2024
Traveling can be one of life’s greatest pleasures, but it can also come with its fair share of bumps along the way. Whether you’re heading to a sunny beach, exploring a busy city, or setting off on a big adventure, things don’t always go as planned. That’s where travel insurance becomes a crucial part of your plans. It’s like having a backup plan that helps protect you if something unexpected pops up and you need to cancel or cut your trip short. Without travel insurance, you could be left bearing the brunt of non-refundable costs, which can quickly add up and derail your travel plans. Protection Against Unforeseen Events Life is unpredictable, and sometimes, despite careful planning, events arise that are beyond our control. Medical emergencies, sudden illness, or unexpected family emergencies are just a few scenarios where travel insurance proves invaluable. If you have to cancel your trip because of these reasons, your insurance can help recover your non-refundable expenses, such as flights and accommodation. Financial Security Traveling often involves substantial financial commitments, from booking flights and accommodations to securing tours and activities. When plans go awry, you risk losing all that money if you haven’t purchased trip cancellation insurance. This financial protection can safeguard you against these losses, ensuring that you don’t face a significant financial setback due to circumstances beyond your control. Peace of Mind The peace of mind that comes with knowing you’re covered in case of an emergency can’t be denied. The thought cutting a trip short or losing money because of an unexpected situation can be distressing. With travel insurance, you can travel with confidence, knowing that you have a safety net in place if things don’t go as planned. Coverage for a Range of Situations  Travel insurance isn’t just about covering medical emergencies. Many policies offer a range of protections that include trip interruptions, delays and even certain types of travel disruptions. For instance, if your flight is delayed, or you need to cut your trip short due to an urgent situation, your insurance might cover additional costs such as accommodation and meals. This comprehensive coverage ensures that you’re protected against a wide array of travel-related issues. Benefits Beyond Cancellation In addition to cancellation protection, many trip insurance policies offer coverage for other potential issues, such as lost or stolen luggage, travel delays, and emergency medical expenses. These benefits can be especially valuable in foreign countries where medical care and unexpected expenses can be significantly more expensive than at home. Fortunately, with Health Care Providers Group Insurance Plan’s Supreme and Standard packages, you’re covered with a travel benefit* of $1,000,000 per year and trip cancellation** of $5,000 per trip. Easy access to emergency travel assistance is also at your fingertips with CanAssistance, included in all HCP health plans. In addition to support in a medical emergency, CanAssistance provides pre-travel assistance including travel advice and advisories from the Canadian government, as well as general help if a passport or another important document is lost or stolen. There’s even assistance if baggage is lost or delayed. Ultimately, this type of insurance isn’t just about covering potential losses; it’s about enjoying your well-deserved vacation time with peace of mind. By having a safety net in place, you’re not only protecting your financial investment but also ensuring that you can handle unexpected situations with confidence. The added security allows you to focus on what truly matters – making the most of your trip and creating unforgettable memories. So, before you set off on your next adventure, consider how trip insurance can turn travel uncertainties into manageable bumps in the road, letting you relax and enjoy your journey! *Travel Benefit: Out of province/out of country emergency medical services up to 60 days for each trip; dollar maximum is per calendar year regardless of the number of trips. **Trip Cancellation: Per covered person, per trip included in the overall maximum out of province/out of country.
July 29, 2024
Retirement is often thought of as a time of relaxation, travel and enjoying some much deserved down-time after decades of hard work. However, as one transitions from a life of employment to retirement, it’s crucial to consider the importance of maintaining health insurance. For Canadians, health insurance after retirement is not just a matter of convenience; it’s a vital component of maintaining a high quality of life and financial security. While our national healthcare program provides comprehensive coverage for many medical services, it doesn’t cover everything. Prescription medications, dental care, vision care, and certain types of rehabilitation are often not included. As we age, the likelihood of needing these services increases. Chronic conditions, which are prevalent among seniors, often require ongoing mediation and specialist care. Having supplemental health insurance can help cover these additional costs, ensuring that retirees can access the medical care they need without experiencing financial strain. One of the key reasons health insurance is vital after retirement is the rising cost of healthcare. While a substantial portion of essential services are covered by the national program, the out-of-pocket expenses for uncovered services can quickly add up. As the CLHIA’s (Canadian Life & Health Insurance Association) factbook reveals, prescription drugs and dental care are the two biggest reasons for filing claims as these are also the two largest healthcare expenses Canadians incur. For uninsured retirees, who typically live on a fixed income, these costs can be burdensome. Health insurance plans can mitigate these expenses, providing coverage for prescriptions drugs, dental services, vision care, and other medical costs not typically covered. Health insurance can also offer peace of mind. Knowing that you’re protected against unexpected medical expenses allows you to enjoy your retirement years without the constant worry of how you will afford your healthcare needs. This financial security is particularly important for those with pre-existing conditions or a family history of medical issues. Health insurance can also provide access to a broader network of healthcare professionals and facilities, enabling retirees to receive timely and high-quality care. In addition to financial security, having health insurance after retirement can also improve overall health outcomes. It’s no secret that preventative care, which is often included in health insurance plans, plays a crucial role in maintaining good health. Regular check-ups, screenings, and vaccinations can help detect health issues early, when they are easier and less expensive to treat. By facilitating access to these services, health insurance can contribute to better long-term health and well-being for retirees. Another important consideration is the potential for travel during retirement. Many retirees dream of spending part of their retirement exploring new destinations, both within Canada and abroad. However, Medicare does not cover healthcare services received outside of the country, and provincial coverage may be limited. Travel health insurance, often available as part of a comprehensive health insurance plan, can provide coverage for medical emergencies that occur while traveling. This ensures that retirees can enjoy their adventures without the risk of incurring substantial medical expenses. Health insurance can also help cover the costs of home care and long-term care services, which are increasingly important as we age. Coverage for these services is often limited and doesn’t fully address the needs of those requiring extensive care. Health insurance plans that include long-term care coverage can help fill this gap, providing support for in-home care, assisted living, and nursing home care. This is particularly important for those who wish to remain in their homes as they age, as home care services can be significantly more affordable than institutional care. Investing in health insurance is not just about covering medical costs; it's about securing a quality of life that allows retirees to fully embrace and enjoy their hard-earned leisure time. It's never too early to start planning for your future. Health Care Providers Group Insurance Plan offers continuous health and dental coverage without any age limitations for termination. As long as you maintain your premium payments, we ensure uninterrupted coverage. Visit healthcareproviders.ca to learn more or get in touch with us at 1-866-768-1477 to discuss your options!

Are you prepared for the unexpected?

You never know what the future holds, but with HCP, you will have peace of mind knowing that you and your family are well protected.

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