Protect yourself and your loved ones from the financial hardship that can arise if you are unable to work due to disability as a result of illness or injury.

Long-term disability (LTD) insurance provides a monthly benefit to help replace your personal income if sickness or injury prevents you from practising pharmacy. The long-term disability plan offered by the Ontario Pharmacists Association is among the best available and is specifically designed to meet the unique needs of Ontario’s pharmacists.

Our LTD insurance is a group plan, so you can rest assured that you are getting competitive rates on your premiums. Thanks to our team of top-ranking insurance experts, we provide an extremely well-managed, cost-effective plan, which helps our members obtain insurance coverage at the best prices.

When you choose OPA insurance, you are getting a program developed for pharmacists, by pharmacists. Our program is managed and underwritten by Manulife, and administered and overseen by the Ontario Pharmacists Association, so you receive personalized service from us. If you have questions about your coverage or if you ever need to make a claim, we’re here to help.

Coverage and Benefits

Personalized and customizable

OPA has a licensed insurance representative that works on your behalf, to ensure you receive the best coverage for you and your family. OPA plans provide flexible options which include waiting periods of 14, 30 and 120 days.

Financial security for family and dependents

Disability insurance can protect you against the chance that an illness or injury will prevent you from working and meeting your expenses. A waiver of premium built-in feature means no premium is paid while disabled in periods following the commencement of disability benefits.


Comprehensive coverage


Personalized and customizable


Developed for pharmacists, by pharmacists

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Best-in-class insurance for OPA members

You need to be an OPA member to purchase our insurance products. Find out about all the benefits members receive in addition to competitive insurance rates.

If you have questions about our insurance products contact us at:


Underwritten by Manulife


Overseen by OPA