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Disability Insurance

Close up of a man's hand on the wheel of the wheelchair he's sitting in

Stay financially healthy.

Disability Insurance allows you to focus on your recovery while helping you take care of your financial obligations.

Protection for unexpected disabilities.

OMA Disability Insurance is uniquely designed to meet the needs of OMA members throughout their professional study and practice, should they experience an unexpected sickness or injury. 

The benefits of OMA Disability Insurance

Up to $25,000 monthly benefit¹

Maximum coverage combined from OMA Group DI Policies 2718, 59997, 17849 and 140004.

Choice of elimination period

The elimination period is the amount 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.

Choice of step or level premium rates²

Choose which works best for you. Step rates change according to your age, while level rates remain level over time.


Coverage allows members to focus on their recovery instead of worrying about financial stability. 

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

Once you have completed residency, you can increase your coverage during the 31-day option period without medical evidence every year to age 55. Learn more about the Guaranteed Insurability Benefit.

Cost of Living Adjustment rider

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

Retirement Protection rider

An additional monthly benefit will be paid into a locked-in, non-registered retirement fund while you are 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 is guaranteed acceptance — no medical underwriting required. Learn more about the 70+ DI coverage option.

Need advice? Our expert insurance advisors are here to help.

Individual insurance

Life happens, and this is why OMA Insurance offers living benefits such as Disability and Critical Illness insurance: to help you plan for the unexpected.

Learn more about individual life and living benefits

Frequently asked questions

Eligible applicants for OMA Disability Insurance must be under age 65 who are actively practising medicine in Canada (excluding Quebec) and are members of the OMA or an Atlantic medical association/society.

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

Get a quote

Coverage is simple to apply for and the premiums are competitive. Rates depend on a variety of factors, such as sex-at-birth, age and smoking status. To learn more, including information on eligibility, renewability, limitations, and exclusions, and to get a quote, simply contact us or call 1-888-596-8881, or use the rate calculator2.

1 Maximum coverage combined from OMA Group DI Policies 2718, 59997, 17849 and 140004.

2 While you are automatically enrolled into Step-Rates, you have the option to convert to Level Rate up to age 65 with no medical evidence. Step-Rates change according to your age band (under 30, 30-34, 35-39, 40-44, 45-49, 50-54, 55-59, 60-64, 65-69) at the time of your plan renewal, whereas Level premium rates have been designed to remain level over time as you age and cannot 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 cannot 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

This plan is underwritten by The Manufacturers Life Insurance Company (Manulife)
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All rights reserved P.O. Box 17001 Station Waterloo, Waterloo, Ontario N2J 0G5, 1-888-596-8881
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Individual living and life benefit products are provided through our insurance partners at Manulife, Industrial Alliance, RBC Insurance, Canada Protection Plan, Canada Life, Sun Life -Individual, and Hunter McCorquodale.