Residency takes your career forward. A disability can set it back.

Illness. Injury. Your finances can survive them both.

You're progressing through your residency/fellowship, right on track with your career path. But if you suffer an unexpected injury or sickness, the resulting financial hit could halt your trajectory and impact your progress for years to come. The period of recovery after a disabling event can take months or years, draining the income you and your family rely on to maintain your lifestyle and meet your financial obligations.

Disability Insurance is the simplest, most cost-effective way to help protect yourself with a reliable flow of income during a period of disability, so you can fo​cus on your recovery instead of worrying about your financial resources.

One plan that​ grows with you.

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

A special arrangement with PARO, PARNL (Professional Association of Residents of Newfoundland and Labrador), and Maritime Resident Doctors means that you may be paid in addition to your Ontario/Atlantic resident association group Disability benefit. An OMA Group all-source maximum of $4,000 applies1.

  • Receive an automatic 50% discount on your Step-Rate premium during your residency/fellowship. This discount continues during your first two years of practice.
  • If you’ve been paying for OMA disability coverage for two consecutive years as a student, you may qualify for an additional loyalty discount of 25% on your disability Step-Rate premiums during your residency/fellowship.
  • If you maintain your OMA disability coverage in the two consecutive years prior to practice, the additional 25% discount will carry into your first two years of practice.

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.

If you're unable to perform the essential duties of your regular occupation as a result of injury or sickness, are under Physician's Care, and you are not engaged in any other gainful occupation, you will be considered totally disabled and eligible to receive full Disability benefits.

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

You will be considered totally disabled and may qualify for Disability benefits if you have completely and irrevocably lose the power of speech, sight in both eyes, hearing in both ears, or use of both hands or both feet.

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 Disability benefits even if you're not disabled as defined in the policy.

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.

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.

You can continue your coverage regardless of where you live as long as you are a member of the OMA or an Atlantic Medical Association/Society.

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

Premiums not used for claims, expenses and reserves may be refunded.



Eligible applicants for OMA Disability Insurance must be under age 65, working on a full-time basis in Canada; actively practising medicine as a family medicine practitioner or a specialist; or employed in medical research, medicine and health sciences education or administration in connection with the profession of medicine, or undergoing a period of training as a resident, post-graduate student, medical fellow or medical student; or serving as a medical missionary; and be a member of the OMA or an Atlantic Medical Association/Society.


Optional riders 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 (GIB) Rider

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 (COLA) Rider

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. 

Waiver of Premium

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


Complete residency with the complete Essentials.  

When you complete residency, you may qualify for the Essentials offer, which allows you to increase your coverage even further – $7,000 for General Practicioners and $10,000 for Specialists or Emergency Room Physicians, with no medical evidence required.


Rate Information

Coverage is simple and the premiums are competitive. Rates depend on a variety of factors such as gender, age and smoking status2. To learn more including information on eligibility, renewability, limitations and exclusions, and to get a quote, simply contact OMA Insurance at or 1.800.758.1641, or use the rate calculator.


The Underwriting Process

If you applied for coverage as a student it will automatically grow with you into residency and practice. If applying for Disability Insurance for the first time as a resident, you must be medically underwritten.

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 back to OMA Insurance.
Telephone Interview
A simple 20-30 minute call to review your health and work history. Please have attending physician and medication information handy.
Blood Chemistry Profile/Urinalysis
An appointment will be scheduled for a nurse to collect blood and urine samples - conveniently at your home or office.​
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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.
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Final Decision
It usually takes 4-6 weeks for the provider to process all the information and arrive at the underwriting decision.
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Learn mor​e​ about what you ca​n expect during the underwriting of your application.

At this stage, and every stage.


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, excluding coverage provided under the PARO, PARNL and Maritime Resident Doctors plans.

2 While you are automatically enrolled into Step-Rates, you have the option to convert up to age 65 to Level Rate with no medical evidence. 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 cannot be adjusted on an individual basis due to changes in your age or health. 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. OMA Disability Insurance is renewable yearly and subject to applicable provincial taxes.

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