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Protect Your Lifestyle
Disability Insurance

Disability Insurance for Practicing Physicians

We're ready to help.

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.
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What to Expect
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Ask a Qu​estion

Click a document to open in another tab. Documents/OMARequestforPADOptionForm.pdfForm--Pre-Authorized Debit Form

Disability can affect your career.
But it doesn’t have to disable your lifestyle.

The physical impact of sickness or injury is one thing. The financial impact is another.

As a physician, you've seen the dramatic impact a sudden accident or illness can have – physically, mentally and emotionally. But the financial impact can be equally enormous. Should you suffer a debilitating event, the period of recovery can stretch from months to years, draining the funds you and your family rely on to maintain your lifestyle.  

While unexpected sickness or injury may interrupt your livelihood, your financial resources needn't be affected. Disability Insurance is the simplest, most cost-effective way to help protect yourself with a reliable flow of income during a period of disability, allowing you to focus on your recovery rather than worrying about financial security.

​​Stay financially he​a​lthy.

OMA Disability Insurance keeps pace with your needs throughout your career. Should a disability occur, you can count on a plan with unique benefits and features:

1. Monthly benefit up to $25,000

New maximum amount of coverage available to you.1

2. Choice of Elimination Period

The Elimination Period is the period of time you must be disabled before benefits become payable. Choose the time you can afford – from 30, 60, 90, 120, 180 or 365 days.

3. Total Disability Coverage

If you're unable to perform the essential duties of your regular occupation as a result of sickness or injury, are under the regular care of a physician, and you're not engaged in any other gainful occupation, you will be considered totally disabled.

4. Residual Disability Coverage

You needn't be totally disabled to receive benefits. If your income is reduced by at least 20% as a result of sickness or injury and you're under the regular care of a physician, the Residual Disability benefit may provide you with monthly payments for the percentage of income lost while you're unable to return back to work full time.

5. Presumptive Disability Benefit

You will qualify for full benefits if you totally and irrevocably lose the power of speech, sight in both eyes, hearing in both ears, or the use of both hands or both feet.

6. HIV/Hepatitis B & C Benefit

If you test positive for HIV or are determined to be a Hepatitis B or C carrier or are in an asymptomatic infectious state, you may be eligible for benefits even if you're not disabled as defined in the policy.

7. Survivor Benefit

If you die during a period of disability and the Elimination Period has been satisfied, a survivor benefit of three times the last month's Disability benefit is payable to your estate.

8. Choice of Step or Level Rate Premiums

Choose which works best for you. Step Rates change according to your age, while Level Rates remain level over time. For details, see the Rate Information section below.

9. Premium Discounts

  • As a resident, you get a 50% discount on your Step-Rate premium
  • If you've been paying for two consecutive years as a student, you may qualify for an additional loyalty discount of 25% on Step-Rate premiums during your transition into your first two years of practice

10. Worldwide Portability

Your coverage continues as long as you maintain membership in an eligible Association/Society.

11. Non-cancellable

The insurer cannot cancel the OMA Group Disability Insurance Plan for any reason.

12. Annual Premium Refund

As your not-for-profit organization, premiums not used for claims, expenses and reserves may be refunded. See how much OMA Insurance has refunded members in the past.


Eligible applicants for OMA Disability Insurance must be under age 65 who are actively practising medicine in Canada, and are members of the OMA or an Atlantic Medical Association/Society.

Options to boost your ​​benefits

Own Occupation Rider

Expands the definition of Total Disability, so that you will be considered totally disabled and receive full benefits even if you return to work performing different duties and suffer no loss of income.

Guaranteed Insurability Benefit Rider (GIB)

Once you complete residency, you can increase your coverage during the 31-day option period without medical evidence every year to age 55. Learn more

Cost of Living Adjustment Rider (COLA)

Keeps pace with inflation by allowing your monthly benefit to increase once you've been disabled for 12 consecutive months, in accordance with the Consumer Price Index, and subject to an annual maximum of 10%.

Retirement Protection Rider

An additional monthly benefit will be paid into a locked-in, non-registered retirement fund while you're totally disabled after the 90-day Elimination Period. These retirement benefits are available when you reach age 65 or upon death. 

70+ DI Coverage Option

At age 70, if you are providing at least 25 hours of medical services a week, you can extend your disability coverage with the 70+ DI Coverage option which allows you to choose a monthly benefit from $500 to a maximum of $10,000 from all sources with a 90 day Elimination Period. It's guaranteed acceptance - no medical underwriting required. Learn more

Waiver of Pr​​emium

​Should you become totally disabled and remain so for 90 consecutive days, premiums may be waived for as long as you remain totally disabled. 

Rate Infor​​​​mation

Rates depend on a variety of factors, from your gender to smoking status to which Elimination Period you select.

While you are automatically enrolled into Step Rates, you have the option to convert to Level Rate up to age 65. Step Rates change according to your age band (under 35, 35-44, 45-54 and 55-69) at the time of your plan renewal, whereas level premium rates have been designed to remain level over time as you age, and can't be adjusted on an individual basis due to changes in your age or health. However, level premium rates may change from time to time on a group basis depending on the insurance costs of the group. While we can't guarantee that rates will not be adjusted in the future, the OMA Disability Insurance Plan has a long history of stable rates. Premiums are renewable yearly and subject to applicable provincial taxes. Please note that for the 70+ DI Coverage option, only Step Rates are available.

To learn more about rates, and to get a quote, simply contact OMA​ Insurance at or 1.800.758.1641, or use the rate calculator


Eligible applicants for OMA Disability Insurance must be under age 65 who are actively practising medicine in Canada, and are members of the OMA or an Atlantic Medical Association/Society.

The Underwriting Pr​ocess

OMA Insurance works to streamline the underwriting process as much as possible, reducing the complexity and time required to arrange coverage. Here are the steps required:​

Obtain your application either online, or by calling us. Once completed, simply send the form and a void cheque back to OMA Insurance.
next step
Telephone Interview
A simple 20-30 minute call to review your health and work history. Please have attending physician and medication information handy, as well as financial documentation.
next step
Blood Chemistry Profile/Urinalysis
An appointment will be scheduled for a nurse to collect blood and urine samples - conveniently at your home or office.​
next step
Attending Physician's Statement
A medical statement may be needed. By ensuring your physician responds quickly, you can help accelerate the entire process. Additional information may also be required.
next step
Final Approval
It usually takes 45-60 days for the provider to process all the information.
​​next step
Issue Resolution
If you disagree with any part of the decision, you may appeal. Your OMA Insurance team will explain your situation, assist in helping you resolve any difficulties, or suggest alternative solutions.

Learn mor​e​ about what you ca​n expect during the underwriting of your application.

At ​this stage, and every stage.

At this point in your career, it's never been more important to protect your income from a disability. OMA Insurance makes it easy to get complete coverage – now, and at every stage of your life.

While the group plan described above has been specifically designed with physicians in mind, you may have circumstances that require an individual plan. Either way, your OMA Insurance advisor is here to help.


​​1 Maximum coverage combined from OMA Group DI Policy 2718, 59997 and 17849.

OMA Disability Insurance is underwritten by Sun Life Assurance Company of Canada, a member of the Sun Life Financial Group of companies.

This is intended for general guidance and is not a contract​. If any discrepancies exist between this information and the issued policy or certificate, the latter shall prevail. The complete terms, conditions, limitations and exclusions governing the OMA Disability Insurance coverage can be found on your Certificate of Insurance and in the relevant group insurance policy 17849 and issued to the OMA by Sun Life Assurance Company of Canada. Monthly Disability benefit payments will begin subject to Sun Life's approval of satisfactory evidence of continuing disability.

Some conditions apply.