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

As a physician, you've seen the dramatic impact an unexpected sickness or injury – 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.  

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:

New maximum amount of coverage available to you.1

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 sickness or injury, are under Physician's Care, and you're not engaged in any other gainful occupation, you will be considered totally disabled.

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 Physician's Care, 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.

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.

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.

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.


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 (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. 

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

 Coverage is simple and the premiums are competitive. Rates depend on a variety of factors such as gender, age and smoking status. To learn more including information on eligibility, renewability, limitations and exclusions, and to get a quote, simple contact OMA Insurance at or 1.800.758.1641, or use the rate calculator2.

How to Apply

You can download a printable enrolment form/application to complete and send to us. You can send your completed form/application by one of the following means:

  1. Email the document to
  2. Fax to 1.800.367.0813
  3. Mail to:

OMA Insurance

PO Box 365 STN Waterloo

Waterloo, ON N2J 4A4

Download application



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 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, as well as financial documentation.
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.

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, 17849 and 140004.

2 You have the option to enroll into Step-Rates or Level Rate up to age 65. Step-Rates change according to your age band (under 30, 30-34, 35-39, 40-44, 45-49, 50-54, 55-59, 60-64 and 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 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.

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 140004 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.