CMMOTA Blog

You Had Me at Hello.

Created on 04/29/21

We wanted to shed some light for our new and potential future members about all of the awesomeness that is CMMOTA!!! I know I’ve said in the past that we don’t like to brag….. but we kind of do….. just a little. Let’s get right into it!

#1 – Let Talk About being National! As a member of CMMOTA you are part of an established National Professional Association. We have been around since 1977. As full RMT members of our Association, you have immediate recognition with Health Care Insurance Providers, including the ability to sign up for online and direct billing.

Did you know that there are many advantages to being part of a professional Association that is National? Here are a few of our favorites:

Your credentials are recognized no matter which province or territory you are residing in or visiting.

The professional liability insurance coverage that you obtain through our broker is not just good for the province that you reside in, your policy covers you to practice anywhere in Canada. As we like to say, you are covered from Coast to Coast to Coast.

Moving from one province to another? Your membership travels with you, no need to switch associations in the middle of the year!

We have a National voice, not just a Provincial one. CMMOTA has been busy establishing a voice with all Provincial and Territorial Governments throughout our great Nation, and as our membership numbers continue to grow, so too will our influence.

#2 – Let’s Talk About The PERKS! Everybody wants the opportunity to save on upcoming expenditures. We have partners that we have established excellent relationships with over that last 44 years, and they provide our members with exclusive discounts on a wide variety of things, like home & auto insurance, private health insurance, clothing, professional scrubs, COVID – 19 PPE, Massage clinic supplies, continuing education, life insurance, disability insurance, accident insurance…. Just to name a few…. And our list of perks continues to grow.

Not to toot our own horn, but we have some members who have saved more than the cost of their yearly membership through our insurance perks alone! We even have a member who simply joined so that they could access ONE of our perks!

#3 – Let’s Talk About Customer Service. When you have questions, we know you want answers! When you have a problem, we know you want a solution! That is why we have staff dedicated to making sure that your emails are answered in a timely manner! That is why we have staff that are dedicated to answering your phone calls or returning your call on the off chance that you have to leave a message.

We pride ourselves on our customer service, but do not take our word for it, here is some feedback from our members:

“I would like to thank everyone at CMMOTA!! You have been amazing support through all of this, and I truly appreciate you keeping us informed and safe! I am so proud to be a member of CMMOTA! I do really appreciate everything you do for us!! CMMOTA rocks!” -Vicki

“I have to say I am very grateful to have you all working so hard to get us back to work safely. This was a very detailed and very thought out guidelines and protocols. I like how you are taking that extra step” -Melanie

“Wow guys. Way to go above and beyond on keeping therapists and patients safe.” -Andrew

“I’d like to express my gratitude for your tremendous efforts and great work you guys did through the pandemic uncertainty. The weekly updates recap is appreciated a lot.” -Dongxia

#4 –Let’s Talk About Insurance – Not all professional liability insurance is created equally. Reading the following information may be the most important thing that you read this year – what kind of insurance do you have if you’re not with CMMOTA??

The current CMMOTA insurance program gives its members both OCCURRENCE BASED Commercial General Liability (CGL) and OCCURRENCE BASED Malpractice liability coverage.

Commercial General Liability covers property damage or injury to others that may occur while on or around your business premises when you are not directly providing RMT or MOT services to them (for example a client breaks their leg tripping on a loose piece of carpet entering your office). Malpractice Liability provides coverage for injury that directly results from your treatment or failure to provide the correct treatment to the client (ie. you injure a client due to improper treatment).

Occurrence based coverage means insurance would respond to an injury claim that was brought forward, even if it was months or years after the treatment that caused the injury was given, even if the policy has been cancelled.

With a Claims Made based policy, the claim has to be brought forward while the policy is active. As soon as a Claims Made policy goes inactive for any reason, it voids coverage for all past claims. While there are ways to extend the reporting period for Claims Made there is often a cost and a time limit of only a few years for these extensions.

So, for example, for someone going on maternity leave, it would NOT be advisable for them to temporarily cancel a Claims Made Based policy as doing so could result in a denial of an injury claim from a past treatment. This would leave the member responsible for paying their own defense costs and any judgments against them. Even in cases where it is unlikely that there will be any judgement against the practitioner, the defense costs can be considerable. This same scenario with the CMMOTA Occurrence Based program poses no such issues as long as it can be shown a policy was in place when the treatment occurred that caused the injury.

#5 Let’s Talk About Membership Costs. We know how much everyone values a dollar. That is why CMMOTA strives to keep our membership fees among the lowest in the Country, for both our Massage Therapist and Manual Osteopathic Therapist members.

We don’t include insurance in our association fees because we believe it is best for you to see what is actually costing you your hard earned $$.