Orlando Harmon
The Ontario Nurses' Association (ONA) is a union for nurses and healthcare professionals in Ontario, Canada. ONA offers its members a range of benefits, including insurance and legal assistance. ONA has purchased a Professional Liability Insurance Policy, also known as the Trisura Policy, from Trisura Guaranteed Insurance Company for its members. This policy offers secondary or excess coverage for ONA members in certain circumstances, such as when they are sued for malpractice or negligent care. On the other hand, non-ONA insurance refers to insurance policies that are not provided by the Ontario Nurses' Association. This could include private insurance plans or insurance from other organizations, such as the Registered Nurses Association of Ontario (RNAO). Non-ONA insurance may be necessary for ONA members who work or volunteer in settings where ONA is not the bargaining agent. Overall, the difference between ONA and non-ONA insurance lies in the provider and the specific benefits and coverage offered to nurses and healthcare professionals.
| Characteristics | Values |
|---|---|
| Type of Insurance | ONA: Professional Liability Insurance |
| Non-ONA: Not specified | |
| Provider | ONA: Trisura Guaranteed Insurance Company |
| Non-ONA: Not specified | |
| Coverage | ONA: Up to $1.5 million per incident, maximum of $6 million per member |
| Non-ONA: Not specified | |
| Eligibility | ONA: Registered nurses, registered practical nurses, graduate nurses, and other healthcare professionals represented by ONA |
| Non-ONA: Not specified | |
| Additional Benefits | ONA: Critical Illness Coverage, Long-Term Disability Coverage, Trip Cancellation and Interruption Insurance, etc. |
| Non-ONA: Not specified |
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What You'll Learn
ONA insurance covers malpractice lawsuits
The Ontario Nurses' Association (ONA) provides a platform for local action, negotiating and enforcing contracts, offering benefits and insurance, and providing tailored education and development opportunities for nurses and healthcare professionals.
The ONA has purchased a Professional Liability Insurance Policy from Trisura Guaranteed Insurance Company ("the Trisura Policy") for ONA members. This policy offers secondary coverage for ONA members in certain circumstances. It is designed to provide coverage in addition to the insurance carried by healthcare employers where ONA is the bargaining agent. This means that if an ONA member is working or volunteering in a non-ONA setting, they need additional malpractice coverage.
All registered nurses, registered practical nurses, graduate nurses, and other healthcare professionals whom ONA is certified to represent are automatic participants in the insurance plan. This insurance provides up to $1.5 million in coverage per incident, with a maximum of $6 million per member. It is important to note that punitive and exemplary damages are excluded from this coverage.
The Trisura Policy ensures against liability arising when ONA members are providing, intending to provide, or failing to provide healthcare services, including public health services and teaching and instruction in their profession. If a patient or their family files a successful lawsuit, the compensation awarded will be covered by the employer's insurance policy. If the amount exceeds the limit of the employer's policy, the Trisura Policy may cover the excess amount, providing excess coverage of $1,500,000 per loss resulting from malpractice, with a total annual limit of $6,000,000 per member.
In summary, the ONA's Trisura Policy provides valuable protection for its members, covering malpractice lawsuits and ensuring that nurses and healthcare professionals have the necessary financial support in the event of a negligence claim. This coverage gives peace of mind and allows ONA members to focus on providing quality care to their patients.
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Non-ONA members need to check employer coverage
The Ontario Nurses' Association (ONA) is a union for nurses and healthcare professionals that provides a range of benefits, including insurance. ONA has purchased a Professional Liability Insurance Policy from Trisura Guaranteed Insurance Company ("the Trisura Policy") for its members. This policy offers secondary coverage for ONA members in certain circumstances.
The Trisura Policy is an excess insurance policy, which means it provides additional coverage on top of the primary coverage that is provided by healthcare employers when ONA is the bargaining agent. This policy ensures against liability arising when ONA members provide healthcare services, including public health services and teaching. It covers malpractice lawsuits, providing up to $1.5 million in coverage per incident and a total annual limit of $6 million per member.
For non-ONA members, it is important to understand that the Trisura Policy does not apply to them. Non-ONA members need to ensure that they have adequate malpractice coverage through their employer or another source. They should verify the amount of malpractice coverage their employer offers and confirm if it meets the requirements of their professional obligations.
In the event that a non-ONA member's employer does not provide sufficient coverage or any coverage at all, it is the member's responsibility to procure their own insurance plan. This can be done through a private insurance plan or by joining an organization that offers insurance, such as the Registered Nurses Association of Ontario (RNAO). It is crucial for non-ONA members to proactively address this matter to ensure they have the necessary protection in their profession.
Additionally, non-ONA members should be aware that their workplace rights may differ from those outlined in the collective agreement between ONA and employers. Non-ONA members can explore other professional associations or unions that can provide similar benefits and protections, including insurance coverage. It is important to review the terms and conditions of any insurance policy to understand the specific coverage, limitations, and requirements.
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ONA insurance is secondary coverage
The Ontario Nurses' Association (ONA) provides a Professional Liability Insurance Policy, also known as the Trisura Policy, as secondary coverage for its members. This insurance is designed to provide additional coverage on top of the primary coverage that ONA members may have through their healthcare employers when ONA is the bargaining agent.
The Trisura Policy is an excess insurance policy, which means it kicks in when the coverage provided by the employer's insurance policy is insufficient to cover the damages awarded in a successful lawsuit against an ONA member. For example, if an ONA member is sued for negligent care and the compensation awarded exceeds the limit of their employer's policy, the Trisura Policy may cover the excess amount. This secondary coverage is important because it provides ONA members with additional financial protection in the event of a malpractice lawsuit.
It is worth noting that the Trisura Policy only applies when ONA is the bargaining agent and the employer maintains insurance for a minimum of $5,000,000, under which the member is covered. This means that ONA members who work or volunteer in settings outside of ONA's bargaining agent role may not be covered by the Trisura Policy and may need to procure their own additional malpractice coverage.
In summary, ONA insurance is considered secondary coverage because it provides supplemental protection to ONA members on top of their primary coverage through their healthcare employers. This secondary coverage helps ensure that ONA members have adequate financial protection in the event of a malpractice lawsuit, giving them peace of mind and allowing them to focus on providing quality care to their patients.
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Non-ONA insurance may be purchased privately
The Ontario Nurses' Association (ONA) is a union for nurses and healthcare professionals in Ontario, Canada. ONA offers its members a range of benefits, including insurance and legal assistance. ONA has purchased a Professional Liability Insurance Policy from Trisura Guaranteed Insurance Company, known as "the Trisura Policy". This policy is an excess insurance policy, providing secondary coverage for ONA members in certain circumstances.
The Trisura Policy is designed to provide coverage in addition to the insurance that is carried by healthcare employers where ONA is the bargaining agent. This means that if an ONA member is working or volunteering in a non-ONA setting, they may need to procure their own insurance. This is because the Trisura Policy does not attach to the individual member outside of their ONA employment setting.
There are a variety of insurance options available for non-ONA members, depending on their specific needs. For example, non-ONA members can purchase car insurance, home insurance, and travel insurance through Johnson Insurance, which is becoming belairdirect. Non-ONA members can also take advantage of MEDOC Travel Insurance, which offers coverage for an unlimited number of trips throughout the policy year and can be purchased regardless of age or health status.
In addition to insurance, ONA offers its members legal assistance and protection in the workplace. ONA negotiates and enforces contracts, advances workplace issues, and provides access to tailored education and development opportunities. ONA also offers scholarships and bursaries, special discounts, and other benefits to its members.
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ONA insurance includes travel and auto insurance
The Ontario Nurses' Association (ONA) offers a range of benefits and insurance plans to its members, including travel and auto insurance.
Travel Insurance
The ONA provides its members with travel insurance through Johnson Insurance, specifically the MEDOC® Travel Insurance plan. This plan offers coverage for an unlimited number of trips throughout the policy year and can be purchased regardless of age or health status. It includes trip cancellation, interruption, and delay insurance, as well as emergency medical coverage and trip interruption and delay coverage for eligible dependent children travelling independently.
Auto Insurance
While the ONA does not directly mention auto insurance, they do provide resources and terminology related to automobile insurance. Automobile insurance, as defined by Oegema, Nicholson & Associates, covers risks associated with driving or owning a vehicle. This can include collision, liability, comprehensive, medical, and uninsured motorist coverage. ONA members may be able to access auto insurance through Johnson Insurance, depending on their province, as it is not available in all regions.
It is important to note that the availability and specifics of ONA insurance plans may vary based on the member's location and other factors. Members should refer to the official ONA website and their local resources for the most accurate and up-to-date information regarding their insurance coverage options.
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Frequently asked questions
ONA, or the Ontario Nurses' Association, provides insurance for its members. This insurance covers malpractice lawsuits and provides secondary coverage in certain circumstances.
Non-ONA insurance refers to insurance that is not provided by the Ontario Nurses' Association. This could include insurance provided by an employer, professional association, union, or privately purchased policies.
All registered nurses, registered practical nurses, graduate nurses, and other healthcare professionals whom ONA is certified to represent are automatic participants in the insurance plan.
ONA insurance provides up to $1.5 million in coverage per incident and a maximum of $6 million per member. It covers liability arising when members provide, intend to provide, or fail to provide healthcare services, including public health services and teaching.
The ONA Base Plan is covered through union dues of $2.50 per month and includes Critical Illness Coverage and Long-Term Disability Coverage.
