Member Insurance and Benefit Programs
APGNS offers members a variety of voluntary and automatic coverage plans. Explore below to learn how and why these programs affect you, and which exclusive programs are available to you as a Member in Good Standing.
Member Benefit Programs
Professional Retiree Health & Dental Plans
Secondary Professional Liability Insurance Policy
What is Secondary Professional Liability Insurance and why are members covered?
Secondary Liability Insurance Program (SPLIP) Questions and Answers
view the APGNS Certificate of Insurance (2018)
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Geoscientists Nova Scotia, in conjunction with Engineers Canada, in collaboration with Manulife Financial, has launched a health and dental insurance product to meet the changing needs of engineers and geoscientists across Canada as they age. The Professional Retiree Health and Dental Insurance Plan will address those needs as they move into the next phase of their career and/or retire. The product has three levels of coverage to suit the individual’s specific needs and budget, as well as the ability to transition from a group employer plan with no medical underwriting. If you’re retiring or starting your own business, Engineers Canada offers three Professional Retiree Health & Dental coverage options:
Acceptance is guaranteed regardless of your health status and no medical questionnaire is required upon application.
No medical questionnaire is required if you apply within 60 days of your group health plan end date.
Offers the highest coverage maximums of the three plans in many benefit categories.
All Members in Good Standing are insured by this policy. Geoscientists Nova Scotia, in cooperation with Engineers Canada, is named as a participating association under the Secondary Professional Liability Insurance Policy. This program is intended to provide supplemental coverage and is extended to include whistleblower coverage.
The Secondary Professional Liability Insurance Program (SPLIP) assists the engineering and geoscience licensing bodies in their mandate to uphold and protect the environment and the safety and interests of the public. It enhances self-regulation for both the regulatory bodies and the individuals, and enables engineers and geoscientists to seek advice in whistle blower situations. They are also covered as mentors, helping other less-experienced individuals develop specific skills and knowledge that will enhance professional and personal growth.
- Coverage per member: $250,000 per claim plus defence costs
- Aggregate per project: $500,000
- $50,000 for legal advice related to whistleblowing and $50,000 for loss of income related to whistleblowing action
- Deductible per claim: None
- Worldwide coverage. The suit must be brought in Canada
- Prior acts coverage
- Pollution coverage
- Copyright/Patent Infringement coverage
- Personal injury coverage
- Estate coverage
- Retirement coverage
- Incidental consulting outside of main employment coverage if fees earned per year are $15,000 or less
- Whistleblower coverage including legal advice and loss of income coverage
- Libel and slander coverage
The provincial and territorial engineering regulators are responsible for the regulation of the practice of engineering in Canada and for the licensure of engineers.
As licensed professionals, engineers individually and collectively commit to serve and protect the public. The responsibility of self-regulation also obliges the profession to ensure that only qualified persons practice engineering and that they do so with concern for societal and environmental needs, while at the same time being responsible to their clients, employers, colleagues and subordinates, and to themselves and the profession at large.
The SPLIP assists the engineering and geoscience licensing bodies in their mandate to uphold and protect the environment and the safety and interests of the public. It enhances self-regulation for both the engineering regulators and individual engineers, and enables engineers and geoscientists to seek advice in whistleblower situations.
All individual engineers and geoscientists in good standing with a participating provincial or territorial regulator are insured under this program. They are also covered as mentors, helping other less-experienced individuals develop specific skills and knowledge that will enhance professional and personal growth.