🏡 ORWP Explained: Your Complete Guide to the Ontario REALTOR® Wellness Program

🏡 ORWP Explained: Your Complete Guide to the Ontario REALTOR® Wellness Program

At United Life Financial, we often hear from REALTORS® who are unsure about the Ontario REALTOR® Wellness Program (ORWP) — what’s covered, how to make claims, and how to upgrade their benefits.

This post breaks it all down clearly — so every Ontario REALTOR® understands their coverage, how to access it, and where to get the right help.

🌟 What Is the ORWP?

The Ontario REALTOR® Wellness Program (ORWP) is a comprehensive insurance and health benefits plan provided through the Ontario Real Estate Association (OREA).

It’s automatically included with your membership dues and gives you protection for your health, income, and family well-being.

Your ORWP coverage stays active as long as your OREA membership dues are paid.

🧾 Your Standard ORWP Coverage (Included with OREA Membership)

All REALTORS® are automatically enrolled in the Standard Plan with Health Insurance (Plan 1).
This plan includes six core benefits designed to support you and your family.

1. Life Insurance

2. Accidental Death & Dismemberment (AD&D)

3. Critical Illness Insurance

4. Healthcare Insurance

5. Out-of-Country Emergency Medical Travel Insurance

6. Virtual Healthcare & Mental Health Services

💰 1. Life Insurance

• Coverage: $100,000 (reduces to $50,000 at age 65)

• No termination age while your OREA membership is active

• Tax-free payment to your beneficiary in the event of death

📍 Set up your beneficiary: ORWP.ca → Digital Beneficiary Designation
📞 Support: CBS – (905) 896-2074 | 📧 ProgramAdministrator@orwp.ca

⚠️ 2. Accidental Death & Dismemberment (AD&D)

• $100,000 coverage for accidental death or loss of limbs/senses

• Includes extra benefits like rehabilitation, home modification, and family transportation

📍 Update beneficiary: ORWP.ca
📞 Support: CBS – (905) 896-2074 | ProgramAdministrator@orwp.ca

❤️ 3. Critical Illness Insurance

• $25,000 coverage (reduces to $12,500 at age 65, ends at 70)

• Tax-free payment upon diagnosis of a covered critical illness

• Excludes pre-existing conditions within the first 12 months

📞 Claims: CBS – ProgramAdministrator@orwp.ca | (905) 896-2074
📧 Insurer: AIG – aigcanada.ah@aig.com

🏥 4. Healthcare Insurance

Your ORWP Standard Plan includes extended health coverage through GreenShield.

Coverage summary:

• Prescription Drugs: 70% reimbursement up to $750/year

• Paramedical Practitioners: 70% up to $800/year (physio, massage, counselling, acupuncture, chiropractic, etc.)

• Medical Supplies: 70% up to $500/year

• Hearing Aids: 70% up to $1,000 every 60 months

• Hospital (semi-private): 70% up to $250/year

• Ambulance & Accidental Dental: 70% covered

📲 Access & submit claims:

1. Create your GreenShield+ account → app.greenshieldplus.ca/en/sign-up

2. Select Through an employer or organization

3. Use your Member ID: “RWP” + your ORWP Certificate Number (e.g., RWP12345)

4. Submit claims or access your digital card via the GreenShield+ app

📞 Support: GreenShield – 1-888-525-7587 | customer.service@greenshield.ca

🧘 5. Virtual Healthcare & Mental Health

Powered by Maple, REALTORS® get access to online healthcare and mental wellness tools.

Included Services:

• 24/7 access to Canadian doctors

• 1 virtual counselling session per week (for you and eligible dependents)

• Headspace Plus meditation app

• “Mind by Maple” well-being and educational library

📱 Register: getmaple.ca/orwp
Use your ORWP Certificate Number to create your account.
📧 Support: Available directly through your Maple account

🌍 6. Emergency Medical Travel Insurance

• $2,000,000 lifetime maximum

• Up to 30 days per trip

• Covers emergency medical expenses while travelling outside Canada

• Excludes pre-existing conditions within 90 days of departure

📱 Before you travel: Download the AIG Travel Assistance app
📧 Support: AIG – aigcanada.ah@aig.com | CBS – ProgramAdministrator@orwp.ca
📞 In emergencies: Use the number on your Travel Assistance Card

💎 Optional & Enhanced ORWP Coverage (Upgrade Options)

You can upgrade your ORWP plan to access additional coverage, including dental care, higher health limits, extended travel coverage, and vision care.

You can upgrade:

• Within 31 days of becoming an OREA Member, or

• During the Open Enrollment Period (Nov 17 – Dec 12, 2025)

Available Upgrade Plans

🦷 Dental Coverage (for Enhanced, Elite & Super Elite Plans)

Covers cleanings, fillings, root canals, dentures, crowns, and bridges (every 5 years).

🧳 Enhanced Travel Benefits

All plans include $2M lifetime emergency medical coverage.

💼 Optional Additional Insurance

Members can also add optional coverage for themselves and their dependents.

Premiums are billed monthly by the Program Administrator.

🧭 How to Manage Your ORWP Benefits

💬 Need Extra Protection Beyond ORWP?

At United Life Financial, we help REALTORS® make the most of their ORWP coverage — and ensure there are no gaps in protection.

While the ORWP provides a strong foundation, many REALTORS® choose to complement their benefits with additional personal insurance for more complete security.

If you’d like to:

• Add extra life, health, or critical illness coverage

• Protect your family with higher benefit limits

• Get personalized advice tailored to your lifestyle and income

👉 Reach out to United Life Financial today.
Our licensed advisors can review your ORWP plan and design a customized insurance strategy that fits your goals — so you’re fully protected, on and off the job.

📞 905-906-7000 | ✉️ info@unitedlife.ca | 🌐 www.unitedlife.ca

✅ Key Takeaways

• ORWP provides REALTORS® with health, life, travel, and mental wellness coverage

• You can upgrade or add dependents during your 31-day window or open enrollment

• Set up your GreenShield+, Maple, and ORWP.ca accounts early to access benefits

• United Life Financial can help you review, optimize, and customize your coverage for stronger protection