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| Insurance | ||||||||||||||||
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| Rehabilitation Alcohol and Drug Disability |
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| Life Insurance |
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| Disability Insurance |
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| Extended Health, Travel and Dental Care |
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| Critical Illness Insurance |
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| Condominium Insurance |
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| Tenants Insurance |
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| Homeowners Insurance |
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| Comprehensive Store Program |
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| Employee Group Insurance Benefits |
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| Group Health Spending Account |
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| Group Accidental Death and Disablement Insurance |
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| Group Critical Illness Insurance |
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| Canadian Pharmacists’ Letter |
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| Drugstore Canada |
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| Wealth Management Referral Service | |
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| *Corporate Membership allows you designate a General Membership and enjoy its full benefits besides specific corporate membership benefits | ||||||||||||||||
Automotive
Budget Rent a Car
Budget Rent a Car of Canada is pleased to welcome all members of the BC Pharmacy Association. Special set rates have been put into place to protect you from paying seasonally inflated rates. These rates (Canadian and US) are good 365 days of the year and are available for both business and personal use! Be sure to sign up for Budget’s Fast Break program, allowing you to by-pass counter line-ups and paperwork when renting at all airport locations in North America.
- Always receive the most affordable rate available.
- Pay no additional charges for: age requirements, additional drivers or drop-off charges.
- Receive the Fast Break service free.
- Collect triple Airmiles.
ProGroup
As EASY as 1, 2, 3. ProGroup was founded in 1985 for the express purpose of saving time and money on the purchase or lease of new vehicles for professional people. With just one phone call, you can get complete information, prices, specifications, option lists and detailed quotes on any make or model (domestic or import) for all cars, trucks and vans.
For more information, visit: www.progroupbc.ca
Contact
Phone: (604) 270 - 4466 or 1 (888) 385-4466
Fax: (604) 270-8355
Email: progroup@left-coast.net
Web: onestart.net/progroup
Zipcar
Zipcar is the world's leading car sharing service with more than 200,000 members and 5,000 vehicles in urban areas and college campuses throughout 25 North American states and provinces as well as in London, England. For more information, visit www.Zipcar.com. Members can join Zipcar for $30/year and drive Zipcars in: Atlanta, New York, Washington, DC, Boston, Chicago, Philadelphia, Pittsburgh, Seattle, Portland, San Francisco, London, Toronto and Vancouver.
Hotels and Resorts
Hilton Vancouver Airport
Whether travelling for business or pleasure, treat yourself to first class accommodations at Hilton Vancouver Airport. Their guestrooms featuring separate be room and living areas, allow
for extra space for office work, and more room for your family. Centrally located, in the heart of Richmond, twenty minutes from downtown Vancouver, you’re steps away from shopping,
restaurants and entertainment venues. Stay on property and enjoy Carmichael’s Restaurant, Sax on Minoru Lounge, and our recreational facilities.
Coast Hotels and Resorts
Coast Hotels and Resorts are proud to welcome you to our 40 premier hotels located throughout B.C., Alberta and the western U.S. Whether you are visiting us for business, or leisure travel, you can expect a seamless blend of signature comfort and first rate service. Coast Members will also have the opportunity to earn points for every qualifying dollar spent which can be redeemed for complimentary stays, upgrades, travel packages and valuable merchandise including certificates to national branded stores.
Sandman Hotel Inns Suites
Sandman would like to extend a warm welcome to all members of the British Columbia Pharmacy Association (BCPhA)! Whether you’re travelling for business or pleasure, it’s often the little things that make the biggest difference to your feeling of overall comfort and satisfaction. At Sandman Hotels, Inns & Suites, we understand. For over 35 years, we’ve made it our business to take care of the details - and to ensure that your stay with us is enjoyable, comfortable and affordable. With well-located hotels, inns and suites across Canada, and several more properties under development, Sandman is Canada’s fastest-growing, privately owned hospitality company. We’re continually refining our product and expanding our facilities - and we’re definitely on the move!
The Grand Okanagan Lakefront Resort and Conference Centre
The Grand Okanagan Lakefront Resort and Conference Centre is pleased to offer Preferred Corporate Rates and appreciate the value of your business and look forward to the opportunity to welcome your members to Kelowna.
Hyatt Regency Vancouver
Experience the extraordinary hospitality and uncompromising service that is the hallmark of Hyatt Regency Vancouver. Freshly updated to reflect the excitement and vibrancy of this city, our Four-Diamond hotel in Vancouver boasts the most impressive facilities, unrivaled amenities and a dedication to treating each guest with the utmost care. Surrounded by the bustling business center - moments from shops and entertainment - our luxurious downtown Vancouver hotel is the ideal starting point to explore everything this dynamic city offers. For business travel or vacation, reward yourself with a stay at the favoured choice of hotels in Vancouver, British Columbia.
Delta Vancouver Suites
The Delta Vancouver Suites is a 225 all-suite property designed for the business traveller, located in the Heritage District of downtown Vancouver. The hotel is in a great location for access to corporate offices and downtown entertainment, restaurants, shopping and nightlife. For business travellers the suite layout of a separated bedroom and parlour area is ideal. All of our suites have been recently renovated and feature the Sanctuary Bed by Delta Hotels.
Hotel Grand Pacific
It is with pleasure that the Hotel Grand Pacific extends preferred rates to your organization, a reflection of our desire to be your exclusive hotel property in the city of Victoria and our anticipation of a significant volume of travel to the Hotel Grand Pacific in 2008. As Victoria’s only five star hotel, we are confident that your colleagues will be impressed with our spectacular harbour location, warm service, and elegant rooms.
Insurance
The information contained here is only intended to provide you an overview of the insurance program and does not detail the insurance policies’ limitations and conditions. Policies may have specific occupation, age, or health qualifying criteria. For your protection, and so that you make an informed purchase decision, please discuss your insurance needs with our insurance broker. In all circumstances, the insurance policy wordings will supercede this information and apply.
To get more information, brochures, or to obtain a quotation for Individual Insurance and/or Group Employee Benefits please contact Johnstone Benefits or download this Quotation Request Form (214KB PDF):
| Johnstone’s Benefits | |
| 3095 Woodbine Drive | |
| North Vancouver, BC | |
| V7R 2S3 | |
| Tel : | (604) 980-6227 |
| Toll-free: | (1800) 432-9707 |
| Fax: | (604) 983-2935 |
| Website: | www.jbenefits.com |
To get more information, brochures, or obtain a quotation for Pharmacy Store Insurance ( including malpractice coverage for pharmacy owners), Condominium, Tenant, or Homeowner insurance plans please contact our insurance broker or download this Quotation Request Form (16KB PDF):
| Adams Cambie Insurance Services Ltd. | |
| 2410 Nanaimo Street | |
| Vancouver, BC | |
| V5N 5E4 | |
| Tel : | (604) 251-3571 |
| Toll-free: | (1877) 251-4079 |
| Fax: | (604) 251-3981 |
| Email: | pharmacy@theadamsgroup.ca |
If you need clarification regarding other aspects of the Insurance Program, or if you have any questions related to the Members Benefits Program, please contact Cyril Lopez, Director, Member & Corporate Services at (604) 269-2869 or cyril.lopez@bcpharmacy.ca
Grain Insurance & Guarantee Company/Administered by Adams Cambie Insurance Services Ltd
- Personal Professional Liability Insurance
Every General membership includes Personal Professional Liability Insurance coverage of $2 million per occurrence and $4 million annual aggregate coverage. Subject to its limitations and conditions, the policy also covers legal fees, disciplinary proceedings costs, volunteer practice and pharmacy student supervision.
As a member, you can increase the amount of liability up to $5 million. Increased coverage is available for additional premiums:
- $3 million per occurrence/ $4 million Annual Aggregate for an additional $50 premium
- $4 million per occurrence/ $4 million Annual Aggregate for an additional $100 premium
- $5 million per occurrence/ $5 million Annual Aggregate for an additional $150 premium
The Health Professions Act ( HPA) came into effect 1 April 2009 and its impact has been explained by the College in its release found here.
One of the new requirements is:
The BCPhA sponsored insurance program meets this requirement. Pharmacists are required to have the liability insurance coverage in place at the time of registration/renewal of registration.Liability Insurance now required by all registrants:
Effective April 1, 2009, in accordance with the HPA, all practicing pharmacists (full pharmacist registrants) are required to possess professional liability insurance. The minimum criteria for the liability insurance is as follows:
- The policy provides a minimum of $2 million coverage insuring against liability arising from error, omission or negligent act of the registrant, and
- The policy provides occurrence-based coverage or claims-made coverage with an extended reporting period of at least three years, and
- If not issued in the pharmacist’s name, the group policy covers the pharmacist as an individual.
- Comprehensive Store Program
This is a comprehensive all-risk coverage (345KB PDF) for retail pharmacies with a 10% coverage increase at no additional premium. Flood and earthquake coverage is included in our package. Optional coverages include business interruption, electronic data processing system's data and media extension and boiler and machinery breakdown. Main features and highlights (99KB PDF)
To apply, download this Request for Quotation Form (288KB PDF) or contact our insurance brokers.
Manulife Financial
- Rehabilitation Alcohol and Drug Disability (RADD)
This coverage is included in your General, Associate and Retired membership and provides temporary disability coverage if you become disabled due to a drug or alcohol dependency. Please refer to the brochure (248KB PDF) for full details.
Manulife Financial / Administered by Johnstone’s Benefits
- Optional Life Insurance
This coverage is available to General, Associate or Retired Members in addition to any coverage they may be eligible for under an Employee Group Insurance Benefit package. This optional policy is term life insurance renewable to age 70 for members and their spouses. The maximum coverage available to members is $1 million and $500,000 for their spouses. Please refer to the brochure (138KB PDF) for full details.
- Disability Insurance
This coverage is available to General and Associate Members in addition to, or in place of, any coverage they may be eligible for under an Employee Group Insurance Benefit package. Coverage provides members with replacement of lost income (up to $10,000 per month) in the case of a sickness or injury that prevents them from working. Please refer to the brochure (143KB PDF) for full details.
ACE INA /Administered by Johnstone’s Benefits
- Critical Illness Insurance
A critical illness can strike without warning and put more than just your health at risk. Expenses not covered by your health plan could add up to thousands of dollars. The Critical Illness Insurance Plan can provide a cash benefit to use any way you want, so you can focus on recovery.
Long Term Care Insurance
We're living longer than before but almost 50 per cent of Canadians will eventually need some form of long term care, either due to a physical condition, aging or a cognitive impairment. Can your retirement savings or loved ones cope with the impact of potential long term health costs? The Long Term Care Insurance Plan focuses exclusively on home care with benefits that help you remain at home when you lose the ability to care for yourself.
Learn more (845KB PDF) about Critical Illness and Long Term Care insurance. - Voluntary Accidental Death and Disablement (AD&D)
This benefit is available to General, Associate or Retired Members for themselves and their family. It is also available under the Employee Group Insurance Benefits Plan for the employees of Corporate Members. In the event of Accidental Loss of Life, this policy pays the principal sum, and in addition provides up to $15,000 for Repatriation, Spousal Retraining, up to $5,000 per child for Special Education or Day Care, and more.. In the event of an Accidental Injury that results in the loss, or loss of use of, limbs, sight, hearing or speech, varying amounts are paid up to 2 times the principal amount for Para, Hemi, or Quadriplegia. In addition, up to $50,000 is available for Home Alteration or Vehicle Modification, up to the full principal amount for Permanent Total Disability, up to $15,000 for Rehabilitation and Family Transportation, and more... Please refer to the brochure (143KB PDF) for full details.
- Critical Illness
Available to General, Associate or Retired Members, this feature pays a tax-free lump sum, if a member is diagnosed with any of the major illnesses covered and survives 30 days from the date of diagnosis. This coverage is a living benefit and thus payable to the insured. It is not dependent on the insured's ability to work and is designed to pay for the extraordinary expenses associated with a serious illness. Corporate Members can opt to include this coverage in their Employee Group Insurance Benefits Plan.
Pacific Blue Cross/ Administered by Johnstone’s Benefits
- Extended Health, Travel and Dental Care
The Extended Health Care (EHC) plan is designed to supplement the provincial Medical Services Plan. The EHC basic coverage includes hospital and paramedical health services costs that are reimbursed at 80% with a lifetime maximum of $1 million. Prescription drug coverage can also be included.
The Travel Plan (included in the EHC) includes reimbursement of emergency out-of-province expenses that are paid at 100%, as well as costs for transportation, hospital room charges, physicians, and laboratory and x-ray services. Medi-assist will also provide emergency travel assistance to locate the nearest medical care and will arrange medical evacuations.
The Dental Care plan provides basic preventive and restorative services that are reimbursed at either 100% or 80%, depending on the type of plan. Major restorative services can also be added. The annual limits are either $2,000 or $1,500 depending on the type of plan chosen.
Note: Dental Care can only be selected together with Extended Health, while The Travel Plan is always included with the Extended Health Plan.
General and Associate Members
There are two types of EHC plans available to General and Associate Members as well as two types of Dental Care plans.
Retired Members
If they have previously been members of an EHC plan, and in addition to any other component of the BCPhA Insurance Program they may qualify for, the BCPhA program offers Retired Members two types of EHC plans. The coverage includes hospital and paramedical health services benefits paid at 80%, to a lifetime maximum of $1 million, as well as out-of-country coverage with a lifetime maximum of $25,000. However, the plan for those between 70 to 75 years excludes out-of-country coverage. A Dental plan is also available.
Corporate Members
The EHC plan for Corporate Members’ employees is the same as described for General and Associate Members but with limits up to 100% (versus 80%) coverage depending on which of the seven types of EHC plans is chosen. In addition, there are five types of Dental plans available, depending on the size of the employee group
- Employee Group Insurance Benefits Plan
Designed for Corporate Members and their employees, this plan (PDF) customises individual programs into an integrated employer package. It includes a basic program with Life and AD&D and has multiple coverage options: Dependent Life, Short Term Disability, Long Term Disability, Extended Health Care (including Travel) and Dental Care. Critical Illness can also be added, subject to certain conditions.
- Health Spending Accounts
Used as a component of a group benefit plan, Health Spending Accounts (HSA) offer the employer an economical and flexible supplement to the standard Extended Health and Dental Care plans. A Corporate Member can utilize the HSA plan to provide a flexible health benefits plan to their employees while controlling these payroll costs. Subject to certain conditions set by Canada Revenue Agency, this is a tax-free benefit to the employees and tax deductible to the employer, like the premiums for the Employee Group Insurance Benefits program.
ING Novex/Administered by Adams Cambie Insurance Services Ltd
- Condominium Insurance
The Condominium Package provides coverage for your personal property, your legal responsibility, collectively owned portions of the property, and risks that are incurred if the condominium corporation does not have adequate insurance. It also has some special features for situations such as: coverage for losses involving credit, debit or automated teller cards, funds available to re-key the locks on your house or automobile if your keys are stolen and coverage for spoiled food in the event of a power outage. It has a combined ceiling for the more common occurrences, thus stretching your coverage. Download a brochure (PDF).
- Tenants Insurance
The Tenant’s coverage provides replacement coverage for your personal belongings, new or old. You choose the value of insurance you need. Your legal responsibility as a tenant is also covered with $1 million liability coverage and the option to increase that coverage to $2 million. Download a brochure (PDF).
- Homeowner's Insurance
The Homeowner's coverage will pay the actual costs to rebuild or repair your home when damaged, including outside structures. Personal and household items are also covered at replacement value. It includes $1 million personal liability coverage that will protect you worldwide. In an emergency, you will be put in contact with an ING Claims representative who can confirm coverage and provide emergency support. Download a brochure (PDF).
Lawyer Referral Service
The Lawyer Referral Service (“LRS”) is a program that enables BCPhA members the opportunity to have a consultation with a lawyer for up to 45 minutes at no charge. The purpose of the consultation is to find out if you have a legal problem and, if so, who might be able to assist. Once the problem is identified and a lawyer is recommended to deal with the matter, the fees to be charged are strictly between the lawyer and the client. The LRS lawyer is not obliged to accept a member’s case, and the member is under no obligation to hire the LRS lawyer (or any lawyer recommended by the LRS lawyer).
The LRS program is not designed to:- provide free legal advice, or a “second opinion” to advice already received from another lawyer;
- provide for a review of documents and advice on such documents prior to a member signing them.
If you already know that you have a legal problem, the LRS can assist you by providing you with a lawyer’s name and telephone number for your legal problem, to be dealt with at that lawyer’s regular rate. If the LRS lawyer does not know of a lawyer in your area who could help, as part of the free consultation, the LRS lawyer can give advice as to how to choose a lawyer in your area for the problem at hand.
Please contact Cyril Lopez, Director of Member Services at (604) 269-2869 or cyril.lopez@bcpharmacy.ca to access this service.
Pharmassist
The Program provides assistance in employment relations at the workplace as well as personal emotional or addiction challenges. To access the Pharmassist Program, call toll-free 1-800-667-2190. You will hear a recorded message asking you to leave your name and number. The BCPhA Director for Member Services accesses this voicemail and will call you back to assist you identify which professional is required. Once your membership is verified, your name and number will be passed along to the professional who will contact you directly. This program is confidential and no information will ever be exchanged outside the counselor/employee relationship.
Retail
You will need to establish proof of BCPhA membership when you access these benefits. Please have your membership number or contact Member Services to get an updated confirmation of membership.
COSTCO Wholesale
As a BCPhA general member, you can now apply to purchase a *Costco Gold Star membership.
*Purchase a Costco Gold Star membership and receive a $10 Costco Cash Card.
Park'N Fly
A 20% discount extended to BCPhA members, 24-hour service, valet parking, aeroplan miles per stay, and vehicle maintenance packages are available.
Plus: one free day of parking on your first visit.
Bekins Moving and Storage
Bekins Moving & Storage (Canada) Ltd. is very pleased to offer a 5% discount off our regular rates on all local moving and packing services between the 2nd and up to and including the 25th of any month.
On all long distance moves, over 50 miles, we are also please to provide a discounted service. Each move will be treated on an individual basis based on the distance it is traveling and the actual weight of the shipment.
Subscriptions
Canadian Pharmacists' Letter
Members of the BCPhA can now receive 40 per cent discount on a subscription to the Canadian Pharmacist's Letter.
Drugstore Canada and Pharmacy Practice magazines
Members enjoy a 15 per cent discount on subscriptions to Drugstore Canada and Pharmacy Practice. Both of these publications can provide you with relevant pharmacy information from across Canada.
Lexi-Comp Drug Database
Members of the BCPhA can now subscribe to the Lexi-Comp Drug Database at a 15 per cent discount . The software packages are available for desktop, laptop or hand held devices, Lexi-Comp provides the most current, clinically relevant content to improve point-of-care decisions.
the most current, clinically relevant content to improve point-of-care decisions.
Real Estate Member Savings Program
Real Estate Member Savings Program is a national program now being offered to BCPhA members. When selling a home through the program, BCPhA members will enjoy working with award winning Royal LePage realtors across Canada. Receive a no-cost CMA (Comparative Market Analysis), which will establish a suggested selling price. Receive from the program realtor online and print marketing as well as open houses as required. And finally BCPhA members will receive a 10% rebate on the commission your selling agent receives. NOTE: The 10% rebate does not include the portion payable to the co-operating agent or the total commission rate.
Wealth Management Referral Service
The Wealth Management Referral Service is a program that enables BCPhA members the opportunity to have a complimentary 45-minute consultation with an investment advisor at RBC Dominion Securities who has an understanding of the pharmacy business. The BCPhA has engaged the services of RBC and RBC Dominion Securities for banking and financial advising services.
For Pharmacy Owners: this service aimed at helping you to review your business and personal financial issues and to uncover planning opportunities including:
- How can you reduce taxes?
- Do you have a succession plan?
- Is your business structured properly for a sale?
- Can you multiply your capital gains exemption?
- Is an estate freeze appropriate for you at this time?
- Is a family trust appropriate for you?
- Is an Individual Pension Plan (IPP) or RCA appropriate for you?
- How can you reduce your risk?
- Do you have a written financial plan?
- Can you benefit from estate planning?
For Staff Pharmacist: this service is aimed at helping you to review and assess your personal financial issues including:
- A second opinion on your current investment portfolio.
- A review of your current financial plan.
- Evaluation of estate planning opportunities.
Please contact Cyril Lopez, Director of Member Services, at (604) 269-2869 or cyril.lopez@bcpharmacy.ca to access this service.