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Dentists:
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| How does Professional Legal Expense Insurance (PLEI) coverage differ from the CDPA coverage? |
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Coverage provided by the CDPA is not insurance. It’s discretionary coverage that is funded from membership fees. By contrast, PLEI is an insurance cover whereby coverage is guaranteed provided the claim falls within the governing terms and conditions of the policy. In addition, CDPA lawyers are assigned by the Association. Dentists with PLEI coverage can choose their lawyer from a panel of lawyers specializing in dental issues. |
| Doesn't getting a lawyer involved just make things more complicated and more expensive to settle? |
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If the right steps are taken at the very start, problems can often be resolved quickly or a suitable compromise reached between the parties involved without costly settlements or long, drawn-out court cases that can take you away from your practice and damage your professional reputation. |
| Doesn’t my Professional Liability Insurance provide me with this coverage? |
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PLEI covers matters NOT covered by professional liability insurance. Such matters include: |
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• Criminal charges
• Breach of contractual right of access to health facilities
• Regulatory issues
• Employment disputes
• College complaints and Disciplinary actions
• Insurance billing investigations |
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| How do I know when I need a lawyer? |
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The best person to answer that question is a lawyer! Many Legal Expense Insurance policies include access to a toll-free Telephone Legal Advisory (TLA) service. In most cases, this gives you unlimited access to a lawyer during regular business hours. |
| Where do I go for more information? |
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For more information about policy coverage and availability, click here. |
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Educational Professionals (includes Supervisory Officers, Principals and Vice Principals:
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| Doesn’t my board provide me with legal protection? |
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Most school boards do extend some legal protection to its administrators but usually when your interests are the same as the interests of the board. If your dispute is either with the board, or is a matter than runs contrary to board policy, you will likely find yourself without any legal representation. For less than a dollar a day, Professional Legal Expense Insurance can provide you with personal protection. |
| What kind of coverage does PLEI provide? |
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PLEI provides payment of legal fees and expenses arising from either your conduct or responsibilities as an educational professional. This coverage includes: |
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• Any investigation, inquiry and/or hearing before the College of Teachers concerning a matter of fitness to practice and/or discipline and/or misconduct and/or complaint.
• Defence of criminal charges such as harassment or assault
• Any employment dispute such as contractual terms, demotion, performance issue
• Defence of any complaint of discrimination undertaken by the Human Rights Commission |
You can select your lawyer from a panel of law firms specializing in the education field and there is coverage for the legal fees and disbursements incurred up to a maximum hourly rate. |
| What if I’m not sure if I need a lawyer? |
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The best person to answer that question is a lawyer! Many Legal Expense Insurance policies include access to a toll-free Telephone Legal Advisory (TLA) service. In most cases, this gives you unlimited access to a lawyer during regular business hours. |
| Where do I go for more information? |
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For more information about policy coverage and availability, click here. |
Physicians & Surgeons:
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| How does PLEI coverage differ from CMPA? |
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Professional Legal Expense Insurance (PLEI) for Physicians and Surgeons is a unique product, specifically designed to provide indemnity coverage to professionals. This distinguishes it from the cover that is provided by the CMPA, which is discretionary. |
| Doesn’t my Professional Liability Insurance provide me with this cover? |
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PLEI covers matters NOT covered by professional liability insurance. Such matters include: |
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• Criminal charges
• Breach of contractual right of access to health facilities
• Regulatory issues
• Employment disputes
• College complaints and Disciplinary actions
• OHIP Billing investigations
• Physician Audit Board investigations (replaces Medical Review Committee) |
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| Doesn't getting a lawyer involved just make things more complicated and more expensive to settle? |
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If the right steps are taken at the very start, problems can often be resolved quickly or a suitable compromise reached between the parties involved without costly settlements or long, drawn-out court cases that can take you away from your patients and your practice and damage your professional reputation. |
| What if I'm not sure if I need a lawyer? |
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The best person to answer that question is a lawyer! Many Legal Expense Insurance policies include access to a toll-free Telephone Legal Advisory (TLA) service. In most cases, this gives you unlimited access to a lawyer during regular business hours. |
| Where do I go for more information? |
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For more information about policy coverage and availability, click here. |
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