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Doctor Disability Insurance Quotes.

Get generous features and contract language for your specialty and need.

Get Specialty-Specific Doctor Disability Insurance Quotes

Get qualified doctor disability insurance rates for your specialty and stage in your medical career. Complete the form so we can start by putting together a quote for you from the top disability insurance companies.

This is what we will need from you:

  • Your Current Career Information.
  • Basic Health Information.
  • Basic Personal Information.

Medical Student

Ontario
  • Alberta
  • British Columbia
  • Manitoba
  • New Brunswick
  • Newfoundland and Labrador
  • Northwest Territories
  • Nova Scotia
  • Nunavut
  • Ontario
  • Prince Edward Island
  • Quebec
  • Saskatchewan
  • Yukon
Select Your Specialty
  • Select Your Specialty
  • Allergy
  • Allergy: Immunology
  • Anesthesiology
  • Anesthesiology: Pain Management
  • Anesthesiology: Pediatric
  • Cardiology: Electrophysiology
  • Cardiology: Invasive
  • Cardiology: Invasive-Interventional
  • Cardiology: Non-Invasive
  • Critical Care: Intensivist
  • CRNA
  • Dentistry: General
  • Dentistry: Endodontics
  • Dentistry: Pediatric
  • Dentistry: Prosthodontics
  • Dentistry: Periodontics
  • Dentistry: Orthodontics
  • Dermatology
  • Dermatology: Dermatopathology
  • Dermatology: Mohs Surgery
  • Emergency Medicine
  • Endocrinology/Metabolism
  • Family Medicine (with OB)
  • Family Medicine (without OB)
  • Family Medicine: Ambulatory Only (No Inpatient Work)
  • Family Medicine: Sports Medicine
  • Gastroenterology
  • Gastroenterology: Hepatology
  • Geriatrics
  • Hematology/Oncology
  • Hematology/Oncology: Oncology (Only)
  • Hospice/Palliative Care
  • Hospitalist: Family Medicine
  • Hospitalist: Internal Medicine
  • Hospitalist: IM-Pediatric
  • Hospitalist: OB/GYN
  • Hospitalist: Pediatric
  • Infectious Disease
  • Internal Medicine: General
  • Internal Medicine: Ambulatory Only (No Inpatient Work)
  • Internal Medicine: Pediatric
  • Neonatology
  • Nephrology
  • Neurology
  • Nurse
  • Nurse Practitioner
  • Obstetrics/Gynecology: General
  • OB/GYN: Gynecology (Only)
  • OB/GYN: Gynecological Oncology
  • OB/GYN: Maternal and Fetal Med
  • OB/GYN: Reproductive Endocrinology
  • OB/GYN: Urogynecology
  • Occupational Medicine
  • Ophthalmology
  • Ophthalmology: Corneal & Ref Surgery
  • Ophthalmology: Pediatric
  • Ophthalmology: Retina
  • Orthopedic (Nonsurgical)
  • Orthopedic Surgery: General
  • Orthopedic Surgery: Foot & Ankle
  • Orthopedic Surgery: Hand
  • Orthopedic Surgery: Hip & Joint
  • Orthopedic Surgery: Pediatric
  • Orthopedic Surgery: Spine
  • Orthopedic Surgery: Sports Medicine
  • Orthopedic Surgery: Trauma
  • Otolayrngology
  •  Otorhinolaryngology
  •  Otorhinolaryngology: Pediatric
  •  Pain Management: Nonanesthesia
  •  Pathology: Anatomic & Clinical
  •  Pathology: Anatomic
  •  Pathology: Clinical
  •  Pediatrics: General
  •  Pediatrics: Adolescent Medicine
  •  Pediatrics: Allergy/Immunology
  •  Pediatrics: Cardiology
  •  Pediatrics: Child Development
  •  Pediatrics: Critical Care/Intensivist
  •  Pediatrics: Emergency Medicine
  •  Pediatrics: Endocrinology
  •  Pediatrics: Gastroenterology
  •  Pediatrics: Genetics
  •  Pediatrics: Hematology/Oncology
  •  Pediatrics: Infectious Disease
  •  Pediatrics: Neonatal Medicine
  •  Pediatrics: Nephrology
  •  Pediatrics: Neurology
  •  Pediatrics: Pulmonology
  •  Pediatrics: Radiology
  •  Pediatrics: Urgent Care
  •  Pharmacist
  •  Physician Assistant
  •  Physiatry (Physical Medicine & Rehabilitation)
  •  Physical Therapy
  •  Podiatry: General
  •  Podiatry: Surgery-Foot & Ankle
  •  Psychiatry: General
  •  Psychiatry: Child & Adolescent
  •  Psychiatry: Geriatric
  •  Pulmonary Medicine: General
  •  Pulmonary Medicine: Critical Care
  •  Pulmonary Medicine: General & Critical Care
  •  Radiation Oncology
  •  Radiology: Interventional
  •  Radiology: Diagnostic
  •  Radiology: Neurological
  •  Radiology: Nuclear Medicine
  •  Rheumatology
  •  Sleep Medicine
  •  Surgery: General
  •  Surgery: Bariatric
  •  Surgery: Breast
  •  Surgery: Cardiovascular
  •  Surgery: Cardiovascular-Pediatric
  •  Surgery: Colon & Rectal
  •  Surgery: Neurological
  •  Surgery: Neurological-Pediatric
  •  Surgery: Oncology
  •  Surgery: Oral
  •  Surgery: Pediatric
  •  Surgery: Plastic & Reconstruction
  •  Surgery: Thoracic (Primary)
  •  Surgery: Transplant
  •  Surgery: Trauma
  •  Surgery: Vascular (Primary)
  •  Urgent Care
  •  Urology
  •  Urology - Pediatric
Canadian Citizen
  • Canadian Citizen
  • Permanent Resident
  • Foreign Citizen
Interested in Life Insurance Quote?
Yes
No
Doctor disability insurance quotes

Medical Student Doctor Disability Insurance Quotes

This may not be a priority for you as you may believe you don' have an income to replace. The advantage of buying disability insurance as a medical student is locking in your health, age and favorable rates. By adding features you can trigger once you're fully practicing, you remove the worry of applying at a later date when your health and age have changed. You can buy a small amount and add a feature that allows you to increase the coverage amount later as your income increases.

Resident

Resident doctor disability quotes

Resident Doctor Disability Insurance Quotes

As you start to progress in your medical career you can choose to increase your disability insurance benefit amount to reflect your income as a resident. Get as much as $4,000 a month in coverage with favorable terms and features. Because its private disability insurance you will have this for as long you want.


Ontario
  • Alberta
  • British Columbia
  • Manitoba
  • New Brunswick
  • Newfoundland and Labrador
  • Northwest Territories
  • Nova Scotia
  • Nunavut
  • Ontario
  • Prince Edward Island
  • Quebec
  • Saskatchewan
  • Yukon
Select Your Specialty
  • Select Your Specialty
  • Allergy
  • Allergy: Immunology
  • Anesthesiology
  • Anesthesiology: Pain Management
  • Anesthesiology: Pediatric
  • Cardiology: Electrophysiology
  • Cardiology: Invasive
  • Cardiology: Invasive-Interventional
  • Cardiology: Non-Invasive
  • Critical Care: Intensivist
  • CRNA
  • Dentistry: General
  • Dentistry: Endodontics
  • Dentistry: Pediatric
  • Dentistry: Prosthodontics
  • Dentistry: Periodontics
  • Dentistry: Orthodontics
  • Dermatology
  • Dermatology: Dermatopathology
  • Dermatology: Mohs Surgery
  • Emergency Medicine
  • Endocrinology/Metabolism
  • Family Medicine (with OB)
  • Family Medicine (without OB)
  • Family Medicine: Ambulatory Only (No Inpatient Work)
  • Family Medicine: Sports Medicine
  • Gastroenterology
  • Gastroenterology: Hepatology
  • Geriatrics
  • Hematology/Oncology
  • Hematology/Oncology: Oncology (Only)
  • Hospice/Palliative Care
  • Hospitalist: Family Medicine
  • Hospitalist: Internal Medicine
  • Hospitalist: IM-Pediatric
  • Hospitalist: OB/GYN
  • Hospitalist: Pediatric
  • Infectious Disease
  • Internal Medicine: General
  • Internal Medicine: Ambulatory Only (No Inpatient Work)
  • Internal Medicine: Pediatric
  • Neonatology
  • Nephrology
  • Neurology
  • Nurse
  • Nurse Practitioner
  • Obstetrics/Gynecology: General
  • OB/GYN: Gynecology (Only)
  • OB/GYN: Gynecological Oncology
  • OB/GYN: Maternal and Fetal Med
  • OB/GYN: Reproductive Endocrinology
  • OB/GYN: Urogynecology
  • Occupational Medicine
  • Ophthalmology
  • Ophthalmology: Corneal & Ref Surgery
  • Ophthalmology: Pediatric
  • Ophthalmology: Retina
  • Orthopedic (Nonsurgical)
  • Orthopedic Surgery: General
  • Orthopedic Surgery: Foot & Ankle
  • Orthopedic Surgery: Hand
  • Orthopedic Surgery: Hip & Joint
  • Orthopedic Surgery: Pediatric
  • Orthopedic Surgery: Spine
  • Orthopedic Surgery: Sports Medicine
  • Orthopedic Surgery: Trauma
  • Otolayrngology
  •  Otorhinolaryngology
  •  Otorhinolaryngology: Pediatric
  •  Pain Management: Nonanesthesia
  •  Pathology: Anatomic & Clinical
  •  Pathology: Anatomic
  •  Pathology: Clinical
  •  Pediatrics: General
  •  Pediatrics: Adolescent Medicine
  •  Pediatrics: Allergy/Immunology
  •  Pediatrics: Cardiology
  •  Pediatrics: Child Development
  •  Pediatrics: Critical Care/Intensivist
  •  Pediatrics: Emergency Medicine
  •  Pediatrics: Endocrinology
  •  Pediatrics: Gastroenterology
  •  Pediatrics: Genetics
  •  Pediatrics: Hematology/Oncology
  •  Pediatrics: Infectious Disease
  •  Pediatrics: Neonatal Medicine
  •  Pediatrics: Nephrology
  •  Pediatrics: Neurology
  •  Pediatrics: Pulmonology
  •  Pediatrics: Radiology
  •  Pediatrics: Urgent Care
  •  Pharmacist
  •  Physician Assistant
  •  Physiatry (Physical Medicine & Rehabilitation)
  •  Physical Therapy
  •  Podiatry: General
  •  Podiatry: Surgery-Foot & Ankle
  •  Psychiatry: General
  •  Psychiatry: Child & Adolescent
  •  Psychiatry: Geriatric
  •  Pulmonary Medicine: General
  •  Pulmonary Medicine: Critical Care
  •  Pulmonary Medicine: General & Critical Care
  •  Radiation Oncology
  •  Radiology: Interventional
  •  Radiology: Diagnostic
  •  Radiology: Neurological
  •  Radiology: Nuclear Medicine
  •  Rheumatology
  •  Sleep Medicine
  •  Surgery: General
  •  Surgery: Bariatric
  •  Surgery: Breast
  •  Surgery: Cardiovascular
  •  Surgery: Cardiovascular-Pediatric
  •  Surgery: Colon & Rectal
  •  Surgery: Neurological
  •  Surgery: Neurological-Pediatric
  •  Surgery: Oncology
  •  Surgery: Oral
  •  Surgery: Pediatric
  •  Surgery: Plastic & Reconstruction
  •  Surgery: Thoracic (Primary)
  •  Surgery: Transplant
  •  Surgery: Trauma
  •  Surgery: Vascular (Primary)
  •  Urgent Care
  •  Urology
  •  Urology - Pediatric
Canadian Citizen
  • Canadian Citizen
  • Permanent Resident
  • Foreign Citizen
Interested in Life Insurance Quote?
Yes
No

Fellowship

Ontario
  • Alberta
  • British Columbia
  • Manitoba
  • New Brunswick
  • Newfoundland and Labrador
  • Northwest Territories
  • Nova Scotia
  • Nunavut
  • Ontario
  • Prince Edward Island
  • Quebec
  • Saskatchewan
  • Yukon
Select Your Specialty
  • Select Your Specialty
  • Allergy
  • Allergy: Immunology
  • Anesthesiology
  • Anesthesiology: Pain Management
  • Anesthesiology: Pediatric
  • Cardiology: Electrophysiology
  • Cardiology: Invasive
  • Cardiology: Invasive-Interventional
  • Cardiology: Non-Invasive
  • Critical Care: Intensivist
  • CRNA
  • Dentistry: General
  • Dentistry: Endodontics
  • Dentistry: Pediatric
  • Dentistry: Prosthodontics
  • Dentistry: Periodontics
  • Dentistry: Orthodontics
  • Dermatology
  • Dermatology: Dermatopathology
  • Dermatology: Mohs Surgery
  • Emergency Medicine
  • Endocrinology/Metabolism
  • Family Medicine (with OB)
  • Family Medicine (without OB)
  • Family Medicine: Ambulatory Only (No Inpatient Work)
  • Family Medicine: Sports Medicine
  • Gastroenterology
  • Gastroenterology: Hepatology
  • Geriatrics
  • Hematology/Oncology
  • Hematology/Oncology: Oncology (Only)
  • Hospice/Palliative Care
  • Hospitalist: Family Medicine
  • Hospitalist: Internal Medicine
  • Hospitalist: IM-Pediatric
  • Hospitalist: OB/GYN
  • Hospitalist: Pediatric
  • Infectious Disease
  • Internal Medicine: General
  • Internal Medicine: Ambulatory Only (No Inpatient Work)
  • Internal Medicine: Pediatric
  • Neonatology
  • Nephrology
  • Neurology
  • Nurse
  • Nurse Practitioner
  • Obstetrics/Gynecology: General
  • OB/GYN: Gynecology (Only)
  • OB/GYN: Gynecological Oncology
  • OB/GYN: Maternal and Fetal Med
  • OB/GYN: Reproductive Endocrinology
  • OB/GYN: Urogynecology
  • Occupational Medicine
  • Ophthalmology
  • Ophthalmology: Corneal & Ref Surgery
  • Ophthalmology: Pediatric
  • Ophthalmology: Retina
  • Orthopedic (Nonsurgical)
  • Orthopedic Surgery: General
  • Orthopedic Surgery: Foot & Ankle
  • Orthopedic Surgery: Hand
  • Orthopedic Surgery: Hip & Joint
  • Orthopedic Surgery: Pediatric
  • Orthopedic Surgery: Spine
  • Orthopedic Surgery: Sports Medicine
  • Orthopedic Surgery: Trauma
  • Otolayrngology
  •  Otorhinolaryngology
  •  Otorhinolaryngology: Pediatric
  •  Pain Management: Nonanesthesia
  •  Pathology: Anatomic & Clinical
  •  Pathology: Anatomic
  •  Pathology: Clinical
  •  Pediatrics: General
  •  Pediatrics: Adolescent Medicine
  •  Pediatrics: Allergy/Immunology
  •  Pediatrics: Cardiology
  •  Pediatrics: Child Development
  •  Pediatrics: Critical Care/Intensivist
  •  Pediatrics: Emergency Medicine
  •  Pediatrics: Endocrinology
  •  Pediatrics: Gastroenterology
  •  Pediatrics: Genetics
  •  Pediatrics: Hematology/Oncology
  •  Pediatrics: Infectious Disease
  •  Pediatrics: Neonatal Medicine
  •  Pediatrics: Nephrology
  •  Pediatrics: Neurology
  •  Pediatrics: Pulmonology
  •  Pediatrics: Radiology
  •  Pediatrics: Urgent Care
  •  Pharmacist
  •  Physician Assistant
  •  Physiatry (Physical Medicine & Rehabilitation)
  •  Physical Therapy
  •  Podiatry: General
  •  Podiatry: Surgery-Foot & Ankle
  •  Psychiatry: General
  •  Psychiatry: Child & Adolescent
  •  Psychiatry: Geriatric
  •  Pulmonary Medicine: General
  •  Pulmonary Medicine: Critical Care
  •  Pulmonary Medicine: General & Critical Care
  •  Radiation Oncology
  •  Radiology: Interventional
  •  Radiology: Diagnostic
  •  Radiology: Neurological
  •  Radiology: Nuclear Medicine
  •  Rheumatology
  •  Sleep Medicine
  •  Surgery: General
  •  Surgery: Bariatric
  •  Surgery: Breast
  •  Surgery: Cardiovascular
  •  Surgery: Cardiovascular-Pediatric
  •  Surgery: Colon & Rectal
  •  Surgery: Neurological
  •  Surgery: Neurological-Pediatric
  •  Surgery: Oncology
  •  Surgery: Oral
  •  Surgery: Pediatric
  •  Surgery: Plastic & Reconstruction
  •  Surgery: Thoracic (Primary)
  •  Surgery: Transplant
  •  Surgery: Trauma
  •  Surgery: Vascular (Primary)
  •  Urgent Care
  •  Urology
  •  Urology - Pediatric
Canadian Citizen
  • Canadian Citizen
  • Permanent Resident
  • Foreign Citizen
Interested in Life Insurance quote?
Yes
No
Ontario medical association disability insurance Toronto

Fellowship Doctor Disability Insurance Quotes

Similar to the progression you made from student to residency, becoming a fellow gets you closer to becoming a full practicing physician. Having disability insurance in place protects your income if in the event you get hurt and can't practice what you've been training for. Start with the best doctor disability insurance quotes for your specialty.

Attending Physician

Attending physician disability insurance

Attending Physician Doctor Disability Insurance Quotes

You've finally made it this far. Your income is much higher and so is your lifestyle and needs. You have a lot to lose if you lose your income that you are used to to run your practice and provide for your family. Disability insurance provides security and control over any anxiety you might have of having this fall apart due to injury or illness. Get better doctor disability insurance rates with more flexibility, control and guarantees with this type of private individual disability insurance.

Ontario
  • Alberta
  • British Columbia
  • Manitoba
  • New Brunswick
  • Newfoundland and Labrador
  • Northwest Territories
  • Nova Scotia
  • Nunavut
  • Ontario
  • Prince Edward Island
  • Quebec
  • Saskatchewan
  • Yukon
Select Your Specialty
  • Select Your Specialty
  • Allergy
  • Allergy: Immunology
  • Anesthesiology
  • Anesthesiology: Pain Management
  • Anesthesiology: Pediatric
  • Cardiology: Electrophysiology
  • Cardiology: Invasive
  • Cardiology: Invasive-Interventional
  • Cardiology: Non-Invasive
  • Critical Care: Intensivist
  • CRNA
  • Dentistry: General
  • Dentistry: Endodontics
  • Dentistry: Pediatric
  • Dentistry: Prosthodontics
  • Dentistry: Periodontics
  • Dentistry: Orthodontics
  • Dermatology
  • Dermatology: Dermatopathology
  • Dermatology: Mohs Surgery
  • Emergency Medicine
  • Endocrinology/Metabolism
  • Family Medicine (with OB)
  • Family Medicine (without OB)
  • Family Medicine: Ambulatory Only (No Inpatient Work)
  • Family Medicine: Sports Medicine
  • Gastroenterology
  • Gastroenterology: Hepatology
  • Geriatrics
  • Hematology/Oncology
  • Hematology/Oncology: Oncology (Only)
  • Hospice/Palliative Care
  • Hospitalist: Family Medicine
  • Hospitalist: Internal Medicine
  • Hospitalist: IM-Pediatric
  • Hospitalist: OB/GYN
  • Hospitalist: Pediatric
  • Infectious Disease
  • Internal Medicine: General
  • Internal Medicine: Ambulatory Only (No Inpatient Work)
  • Internal Medicine: Pediatric
  • Neonatology
  • Nephrology
  • Neurology
  • Nurse
  • Nurse Practitioner
  • Obstetrics/Gynecology: General
  • OB/GYN: Gynecology (Only)
  • OB/GYN: Gynecological Oncology
  • OB/GYN: Maternal and Fetal Med
  • OB/GYN: Reproductive Endocrinology
  • OB/GYN: Urogynecology
  • Occupational Medicine
  • Ophthalmology
  • Ophthalmology: Corneal & Ref Surgery
  • Ophthalmology: Pediatric
  • Ophthalmology: Retina
  • Orthopedic (Nonsurgical)
  • Orthopedic Surgery: General
  • Orthopedic Surgery: Foot & Ankle
  • Orthopedic Surgery: Hand
  • Orthopedic Surgery: Hip & Joint
  • Orthopedic Surgery: Pediatric
  • Orthopedic Surgery: Spine
  • Orthopedic Surgery: Sports Medicine
  • Orthopedic Surgery: Trauma
  • Otolayrngology
  •  Otorhinolaryngology
  •  Otorhinolaryngology: Pediatric
  •  Pain Management: Nonanesthesia
  •  Pathology: Anatomic & Clinical
  •  Pathology: Anatomic
  •  Pathology: Clinical
  •  Pediatrics: General
  •  Pediatrics: Adolescent Medicine
  •  Pediatrics: Allergy/Immunology
  •  Pediatrics: Cardiology
  •  Pediatrics: Child Development
  •  Pediatrics: Critical Care/Intensivist
  •  Pediatrics: Emergency Medicine
  •  Pediatrics: Endocrinology
  •  Pediatrics: Gastroenterology
  •  Pediatrics: Genetics
  •  Pediatrics: Hematology/Oncology
  •  Pediatrics: Infectious Disease
  •  Pediatrics: Neonatal Medicine
  •  Pediatrics: Nephrology
  •  Pediatrics: Neurology
  •  Pediatrics: Pulmonology
  •  Pediatrics: Radiology
  •  Pediatrics: Urgent Care
  •  Pharmacist
  •  Physician Assistant
  •  Physiatry (Physical Medicine & Rehabilitation)
  •  Physical Therapy
  •  Podiatry: General
  •  Podiatry: Surgery-Foot & Ankle
  •  Psychiatry: General
  •  Psychiatry: Child & Adolescent
  •  Psychiatry: Geriatric
  •  Pulmonary Medicine: General
  •  Pulmonary Medicine: Critical Care
  •  Pulmonary Medicine: General & Critical Care
  •  Radiation Oncology
  •  Radiology: Interventional
  •  Radiology: Diagnostic
  •  Radiology: Neurological
  •  Radiology: Nuclear Medicine
  •  Rheumatology
  •  Sleep Medicine
  •  Surgery: General
  •  Surgery: Bariatric
  •  Surgery: Breast
  •  Surgery: Cardiovascular
  •  Surgery: Cardiovascular-Pediatric
  •  Surgery: Colon & Rectal
  •  Surgery: Neurological
  •  Surgery: Neurological-Pediatric
  •  Surgery: Oncology
  •  Surgery: Oral
  •  Surgery: Pediatric
  •  Surgery: Plastic & Reconstruction
  •  Surgery: Thoracic (Primary)
  •  Surgery: Transplant
  •  Surgery: Trauma
  •  Surgery: Vascular (Primary)
  •  Urgent Care
  •  Urology
  •  Urology - Pediatric
Canadian Citizen
  • Canadian Citizen
  • Permanent Resident
  • Foreign Citizen
Yes
No

Facts About the OMA Disability Insurance Plan

Your Rates Are Based On The Claims and Health Of Others

The Ontario Medical Association disability insurance plan is a group plan. You are part of a group of other physicians in Ontario. As a result your doctor disability insurance rates are based on the claims experience and health risks that the OMA has to factor in to stay profitable as well as meet their obligation of paying you when you get sick or hurt.


What this means is that your doctor disability insurance rates will always go up even though you may never claim or you are in good health. This is because your rates are affected by others in the group. You have no control over this unless you switch to a private individual disability insurance plan. 

In June 2021, the OMA increased your rates. Even though you got an almost 50% rebate of premiums in 2010, this was cancelled in 2017 and rates increased again. The trouble for you is that rates will always continue to rise especially now after the Covid-19 pandemic.

Disability insurance FAQ

Frequently Asked Questions About OMA Disability Insurance Plan

Disability doesn't just happen to an individual. It happens to a family, a business, a lifestyle. We strongly believe that the best disability insurance is the one you have in place when you and your family need it the most. This is because disability happens unexpectedly dues to illness or injury. So, if you have some money coming in that is better than nothing.

However, if you have the opportunity to choose, we believe perfect planning is a step better. If you can plan your disability insurance properly, it means less anxiety and more time to recover and get back to as close as possible to being whole. It starts with getting the most appropriate doctor disability insurance quotes that match your specialty and need. Here are some questions to consider if you wonder whether the OMA plan is appropriate for you and you'd like something more customized:

Where can I see how much OMA rates are increasing?

You can log into your OMA Account: www.oma.org/myaccount go to my insurance and click view details. There you'll get all the information you need to learn more about rate increases.

 

How come my OMA rates can change and increase regularly at short notice?

This is because you are part of a group or association plan. So while you get he perks and benefits of a group plan like discounts, you also get the pitfalls. Your rates are based on the OMA "grouping together" the health and risk of every physician on the plan. This means that if you have a good record you subsidize those that don't have favorable profiles. The insurance company then has to account for this with rate increases.

If you buy an individual disability insurance plan with an independent broker like Blue Alpha Wealth, your rates are based on your health and risk profile and don't increase as often as the OMA.

 

Who administers the OMA disability insurance plan?

Sun Life Insurance.

What are some key differences between the OMA plan and an individual disability insurance plan?

The current OMA group disability insurance plan terminates at age 70, unless you opt for the 70+ extension. You can buy your own private disability insurance plan to cover you until age 100 even after you've retired.


o The OMA plan does not provide a minimum inflation protector.
o With a private plan you get a recovery benefit  which is not available with OMA disability insurance.
o In the event of a re-occurring disability within 12-months, private disability insurance provides you  protection whereas the OMA plan does not.
o You can convert a portion of your private disability insurance plan to a long term care benefit for home and facility care when you're unable to care for yourself. The OMA plan does not provide for this.

 

How do OMA rates compare to individual disability insurance rates?

The Ontario Medical Association group disability insurance plan is purchased on a banded rate which means your OMA rates increase at age 30-34, 35-44, 45-54 and at age 56-64. Your private disability insurance rates are guaranteed and cannot be changed or cancelled by the insurer. Only you can change your plan.

 

Can I transfer or move my OMA plan if I move or go out of province?

This is called "portability". The main advantage of an private individual disability insurance plan is that it's portable as long as you continue to pay the premiums. If you leave Ontario, you need to pay OMA fees to keep your insurance.

 

Can the OMA and Sun Life change the policy definitions at any time?

Yes, and this is the main disadvantage of being part of a group or association plan due to many moving parts and individuals on the plan that could force the OMA to change definitions to stay profitable. These definitions could negatively impact you or increase your rates. The OMA and Sun Life have the right to make changes at their discretion. 

2018 saw the OMA cancel the rebate on their disability insurance plan in addition to making material changes to the definitions of a disability. Furthermore in 2019, the OMA changed the definition of total and partial disability which negatively affected your ability to make a claim with confidence.

 

Who controls the OMA disability insurance plan?

In short, you don't control the plan. Under the OMA group disability insurance plan, the insurer (Sun Life) controls your disability insurance. If you leave the OMA, you need to pay OMA fees to maintain your insurance because it is not portable. This is similar to mortgage insurance.

 

How does the OMA define a disability?

Total disability definition has been updated and reverts to an any occupation definition of disability after 24 months. … “After the total disability benefit has been paid for 24 months, then total disability means the insured is under a physician’s care and due to sickness or injury is unable to perform any gainful occupation which the insured is or may be reasonable qualified by training or experience.

A partial disability with the OMA requires that you have a minimum number of hours at work. With the OMA there is also no minimum payment if you are partially disabled compared to 50% with a private disability insurance plan.

 

How does the OMA calculate doctor disability insurance rates?

Similar to an individual private disability insurance plan, they look at your age, gender, smoking status and general health. The OMA, however, also places a greater emphasis on looking at claims experience from the whole group for your specialty and accounts for that in calculating your rates.

 

ready to switch from oma group plan to individual disability insurance?

Switch or Replace Your Ontario Medical Association Group Plan To A Private Individual Disability Insurance Plan.

  • Your plan can't be changed or canceled unlike OMA plan.
  • Your rates don't increase often like OMA rates due to claims by other members.
  • Your rates are not based on claims or health of other group members.
  • Get rates and custom features based on your specialty not restrictive OMA group definitions.
Select Your Specialty
  • Select Your Specialty
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  • Otolayrngology
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  •  Pain Management: Nonanesthesia
  •  Pathology: Anatomic & Clinical
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  •  Pathology: Clinical
  •  Pediatrics: General
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  •  Pediatrics: Allergy/Immunology
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  •  Pediatrics: Child Development
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  •  Pediatrics: Hematology/Oncology
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  •  Pediatrics: Pulmonology
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  •  Pediatrics: Urgent Care
  •  Pharmacist
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  •  Physiatry (Physical Medicine & Rehabilitation)
  •  Physical Therapy
  •  Podiatry: General
  •  Podiatry: Surgery-Foot & Ankle
  •  Psychiatry: General
  •  Psychiatry: Child & Adolescent
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  •  Pulmonary Medicine: General
  •  Pulmonary Medicine: Critical Care
  •  Pulmonary Medicine: General & Critical Care
  •  Radiation Oncology
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  •  Surgery: General
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  •  Surgery: Oncology
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  •  Surgery: Plastic & Reconstruction
  •  Surgery: Thoracic (Primary)
  •  Surgery: Transplant
  •  Surgery: Trauma
  •  Surgery: Vascular (Primary)
  •  Urgent Care
  •  Urology
  •  Urology - Pediatric
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Click the Picture To View the OMA Policy Provisions & Definitions As of 2019. Get Better Doctor Disability Insurance Definitions With Private Insurance.

Disability insurance policy provisions