Benefits/Insurance and Forms

The following is a summary of OHHA coverage. For more information on any of these benefits, call Jennifer Rankin, Benefits/Insurance Administrator at 905-854-6442 or 1-866-774-6442 ext. 223.

Program #1

OHHA Liability – Horse Related

(included in membership)

This policy is included in our membership to provide additional third-party liability insurance over and above the individual’s personal coverage. This policy is not intended to be a substitute for your primary liability coverage that you require for your individual operations.

The limits of liability are $2 million per occurrence and covers anywhere in Canada only for owners who are OHHA members in good standing. The policy will not cover injury or death to any animal or injury or death to any person participating in training or racing of Standardbred horses while on the racing surface.

The policy is intended to cover horse-related incidents in which you may become legally liable through a lawsuit by a third party.

*PLEASE NOTE: Multiple owners of a horse – Only registered owners who are OHHA members will qualify in the event of a claim.

Program #2

Member’s Liability

(included in membership)

This program provides OHHA members participating at a “scheduled” Ontario racetrack as outlined in the Policy, with $2 million third-party liability insurance for an incident as the result of property damage or bodily injury for which the member may become legally liable.

The policy will not cover injury or death to any animal or injury or death to any person participating in training or racing of Standardbred horses on the racing surface.

Program #3

OHHA Fire and Transportation

(included in membership)

This program provides OHHA members stabled or racing at “scheduled” Ontario racetracks  with additional fire and transportation insurance.

OHHA members are covered for losses incurred from a collision or “overturn” of a conveying vehicle while transporting to and from a “scheduled” Ontario racetrack to race, qualify or train.

Limits of Liability include $25,000 per horse, $7,500 per horse two years or older who has not started, $2,500 for tack per horse. In the event this coverage becomes primary, any loss incurred by this policy is subject to a $500.00 deductible per claim. Maximum claims allowed are $7,500 for tack and $250,000 total for any single occurrence.

*PLEASE NOTE: Multiple owners of a horse – Only registered owners who are OHHA members will qualify in the event of a claim.

Program #4

OHHA Supplemental Disability

(included in membership)

This policy financially assists OHHA members during the recuperation period from a horse-related accident, which took place in Ontario. The policy pays an additional 50% as per the Standardbred Canada guidelines below.

Coverage is provided by OHHA in full for up to two (2) years. However, the OHHA policy only allows members receiving this benefit an opportunity to collect for a maximum of 104 weeks over a five-year period.

Payment Example:

License S.C. OHHA @ 50% Total
Driver* $275.00/wk $137.50/wk $412.50/wk
Trainer* $255.00/wk $127.50/wk $382.50/wk
Groom* $210.00/wk $105.00/wk $315.00/wk

*Must be a Standardbred Canada member

Program #5

OHHA Life-Health-Dental

(optional)

Through your OHHA membership, Ontario residents are eligible to join the Industrial Alliance Insurance Group Benefits Plan. The plan is available to members and their families and covers:

Life Insurance $20,000; Accidental Death and Dismemberment $30,000; Dependent Life – spouse $5,000 and each child $2,500; Healthcare including prescription drugs, paramedical services, private duty nursing, ambulance, plus out-of-country coverage, all covered at 80% and Dental Care which covers 80% of cleaning, scaling, polishing, fluoride treatments, fillings, extractions, denture repairs, etc. plus 50% coverage for removable dentures.

MONTHLY PREMIUMS – 2015 Rates

Single Family
Under 50 $102.66 $235.54
Age 50 to 64 $104.42 $247.41
Age 65 to 70 $181.97 $403.14
Over 70 $175.69 $394.57

This coverage provides premium payment schedules that offer flexibility for individuals who enroll. For a full description of the coverage and an explanation of the costs, please call Angela Moreau at MDM Insurance Inc., 1-800-838-1531.

If you are an owner, trainer, driver or breeder, see the bottom of this page for application forms. Applications are also available from the OHHA office. See Summary of Benefits…

Program #6

100% Caretakers’ Premium Assistance

(optional)

OHHA members who are residents of Ontario and are employed as full-time caretakers and are performing full-time caretaker duties can participate in the OHHA Life-Health-Dental plan at no cost. OHHA will pay the full amount of the monthly premium for those eligible caretakers enrolled in this program.

If you are a full time caretaker and do not own, train, drive or breed Standardbred racehorses, see the bottom of this page for application forms, or call the OHHA office. See Summary of Benefits…

Program #7

OHHA Group Retirement Program

(optional)

OHHA offers a group RRSP to members who are full-time owners, trainers, assistant trainers, drivers, breeders and caretakers participating in standardbred racing in Ontario. The purpose of this group RRSP is to provide income for full-time horsepeople upon retirement.

If you meet the criteria, you may be eligible for a contribution from OHHA to your RRSP account of up to $700 annually. All contributions to your account are tax deductible. Beginning July 1, 2006, members may choose from a wide range of funds to invest their assets. See detailed information on the RRSP program…

For more information on the RRSP program, call Jennifer Rankin, RRSP Administrator at 905-854-6442 or 1-866-774-6442 ext. 224.

If you have any questions regarding the forms below please contact Jennifer Rankin at (905) 854-6442 extension 223.

BENEFIT FORMS

Caretaker’s Benefits Application Form

Complete this 3 page form to apply. Return to the OHHA office.

Caretaker’s Benefits Application Form
Acrobat Reader required

Owners/Trainer/Drivers/Breeders Application Forms

Both these forms are needed to enrol as an owner, trainer, driver or breeder. Send directly to MDM Insurance Services Inc. P.O. Box 966, Guelph, ON N1H 6M6, Attention: Angela Moreau

Industrial Alliance Enrolment Form
Acrobat Reader required

Industrial Alliance Evidence of Insurability Form
Acrobat Reader required