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Frequently Asked Questions (FAQ)

Click to see the answers to frequently asked questions:

As an ARA member you are entitled to a free no-obligation review and consultation. A licensed Insurance Agent representing the ARA is available to you. Simply contact the ARA and ask to have an agent contact you. It is part of your membership and well worth taking advantage of.

The ARA is a not-for-profit association. It is your association. We can operate on much lower margins than companies relying on insurance premiums for 100% of their revenue. The plan is designed to help its members save costs, support industry, and keep those working in our industry healthy.

No, we are not an insurance company. The ARA Group Benefits Division administers an exclusive group benefits package offered to ARA members only. Our administrators work on behalf of you, the plan member, not an insurance company. We ensure you are properly assessed and given the benefits you are entitled to.

You can switch at any time. In fact we will take care of all the paperwork including notification to your existing insurance company. The process is seamless to you with no interruption in service coverage.

If you already have a plan, a copy of your last benefits billing. If not, we’d need basic information for each employee such as name, age, gender, marital status, number of dependents, etc. Your ARA Insurance Agent and Plan Administrators will walk you through the process…it’s painless.

Group Benefits Brochure

Some of the most common questions are answered by one of our agents, Bill Wardley:

Why offer a Long Term Disability (LTD) benefit?

I have Workers’ Compensation. Why do I need Long Term Disability?

Must I give the same benefits to everyone?

Do I need Short-Term Disability if I have E.I.?

Doesn’t Fair Pharmacare already cover prescriptions?

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