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Disability Insurance Guaranteed Insurability Benefit

Disability Insurance
Guaranteed Insurability Benefit

Once each year you have the opportunity to increase your coverage - no medical questions asked.​

As you progress through your medical career, it's important that your insurance coverage – including your Disability Insurance – keeps pace with your income and your needs.

When you purchased your disability coverage you may have also paid for the Guaranteed Insurability Benefit (GIB) rider. If you have the GIB rider you have the right to increase your coverage once a ​year with no medical questions asked, based on your earned income, but only between May 1st and May 31st.

Information for Residents
If you are a Resident and have your disability coverage under policy 59997 the maximum monthly benefit is $3500. Residents covered under policy 17849 are not eligible for the GIB.

Financial d​ocuments

To speed up the processing of your application to increase coverage, you please complete the Request for Financial Documentation Form which authorizes the release of your financial documents for the purpose of providing coverage.

1.    Financial verification is not required for:

  • Residents (to a maximum monthly benefit of up to $3,500 from all sources (under policy 59997)
  • ​​Physicians in their first 2 years of practice up to $7,000 monthly benefit for Family Medicine Practitioners and $10,000 monthly benefit for Specialists

2.    Financial verification is required for all other GIB applications.​


How much disability coverage do you need?

To help calculate the coverage you’ll need, just enter your current annual earned income (net after expenses) and the system will calculate the total Monthly Disability Income benefit you should have. No information is stored on your web browser or elsewhere from this calculation.

Current annual earned income:iEarned income is income derived from a member’s salary, fees, commissions, bonuses and any other customary expenses.


Based on your earned income, Practising Physicians may combine OMA Insurance and other disability insurance for a total coverage up to $25,000 per month.

Your application must be received by​​​ May 31st.

If you have any questions, contact us at 1.800.758.1641 or

Frequently Asked Questions​​​​

1. How much can I increase my Disability Income coverage?

Coverage can be increased in units of $100 up to the limits shown below.

Policy 59997

  • Up to an additional amount of $2,500 if age 45 or less on September 1st of the previous year
  • Up to an additional amount of $1,500 if between ages 46 and 55 on September 1st of the previous year

Policy 17849

  • Up to $2,500 if age 55 or less on September 1st of the previous year

2. I am currently on a disability claim and want to increase my coverage using my GIB option.

A member on disability may exercise one option (for up to $1,000 of coverage in multiples of $100). The plan administrator will determine if the member is eligible to exercise the option based on financial underwriting.

Any additional coverage approved will not be paid as a benefit during the current period of disability. It will only be paid for a new disability.

3. I am currently on a leave of absence and/or parental leave and want to increase my coverage using my GIB option.

You may exercise only one option (for up to $1,000 of coverage in multiples of $100) while on a leave of absence and/or parental leave.

4. I live in the United States. Am I able to exercise my GIB option?

Yes, the GIB option applies to members living anywhere in the world.

6. Can I increase my disability over and above the GIB option limits?

Yes. You can increase coverage above the GIB option limit with a regular disability application where both financial and medical verification will be required.

7. Am I eligible to exercise the GIB rider if I am working less than 25 hours per week?

In order to be eligible, you must be working at least 25 hours per week and 46 weeks per year. Even if you are not eligible this year, you may check again during the next option period.