CMPA & LTD

Insurance and Disability

Professional liability insurance is provided by the Canadian Medical Protective Association. CMPA coverage is mandatory under the Collective Agreement in order to protect both residents and patients. It provides comprehensive coverage and is tax deductible if paid by the resident. The cost of coverage is based on the type of work in a region.

The Ministry of Health will reimburse category 12 and category 14 CMPA fees beginning July 1, 2019. If you are a resident and have already applied for CMPA, or are an incoming resident wondering on how to apply, visit the CMPA Members page.

Long Term Disability is also mandatory as per the Collective Agreement. We have negotiated an employer paid LTD plan residents are automatically enrolled in. However, residents are also free to select any additional provider for their LTD coverage if they wish additional coverage beyond that provided by the employer paid plan.

When doing your tax return, CMPA fees are tax deductible less any reimbursements received. See the CMPA’s website for details.

You can claim any amount that was not reimbursed on line 212 of your income tax return.

As CMPA is a condition of employment as per Article 18.02, it is not a taxable benefit as per the CRA.

Contact CMPA

Learn about LTD

Canadian Medical Protective Association Rates for 2019

If you are working in more than one fee region, please contact CMPA directly for the rate.

Code

Type of Work

Annual Cost

Monthly Cost

12

 Residents & Fellows – No moonlighting – Residents registered in a postgraduate medical education program, international medical graduates registered in a program to obtain a license for independent practice and clinical fellows and physicians pursuing a structured university affiliated program.Includes extra resident shifts, but will not include CMPA assistance in medical-legal difficulties arising from independent practice of medicine outside the program. $2,028.00 – paid by the Ministry of Health $169.00 – paid by the Ministry of Health

14

 Residents — With moonlighting/restricted registration — extracurricular (outside of a residency training program) practice of medicine by residents registered in a postgraduate medical education program leading to certification with the College of Family Physicians of Canada (CFPC), the Royal College of Physicians and Surgeons of Canada (RCPSC) or a provincial or territorial medical regulatory authority (College).

  • Will generally include eligibility for CMPA assistance in medical-legal difficulties arising from independent practice of medicine outside of the program whether remunerated or not.
  • Residents who moonlight must hold licensure or registration acceptable to the regulatory authority (College) in the jurisdiction where the moonlighting takes place.
  • Residents who limit their clinical activities to moonlighting (e.g. locum) for more than two consecutive weeks must change to a practising physician code.
  • Clinical fellows who moonlight must select the appropriate practising physician code, not code 14.
 $2,028.00 – paid by the Ministry of Health $169.00 – paid by the Ministry of Health